Start with its own history
At 6.82×, CIZN is 57.5% below its 10-observation annual average. A lower multiple can reflect a lower price, higher earnings, or weaker growth expectations—not necessarily a bargain.
OTC · CIZNBanks - RegionalUpdated Nov 5, 2026
Citizens Holding Company P/E ratio
Current valuation, historical context, and peer comparisons.
Current P/E ratio
6.82×
57.5% belowthe 10-year annual average
Share price9.75
÷Earnings per share1.43
Price and EPS in quote currency. Calculation details
Investors are paying 6.82 for every 1 of reported earnings per share.
P/E over time
2016 – 2025
Annual P/ESelected-period average 16.03×
3-year average12.74×3 positive annual observations
5-year average12.04×5 positive annual observations
10-year average16.03×10 positive annual observations
Peer median · TTM12.21×8 peers with positive P/E
Historical P/E ratios
Annual period-end data · 25 observations
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2025 | 5.49× | -40.6% |
| Dec 31, 2024 | 9.24× | -60.6% |
| Dec 31, 2023 | 23.48× | +194.8% |
| Dec 31, 2022 | 7.97× | -43.1% |
| Dec 31, 2021 | 13.99× | -17.2% |
| Dec 31, 2020 | 16.90× | -9.7% |
| Dec 31, 2019 | 18.70× | +21.1% |
| Dec 31, 2018 | 15.44× | -49.2% |
View all 25 annual observations +
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2017 | 30.39× | +62.3% |
| Dec 31, 2016 | 18.73× | +23.2% |
| Dec 31, 2015 | 15.21× | +19.7% |
| Dec 31, 2014 | 12.70× | +0.4% |
| Dec 31, 2013 | 12.65× | -8.9% |
| Dec 31, 2012 | 13.89× | +18.2% |
| Dec 31, 2011 | 11.76× | -17.6% |
| Dec 31, 2010 | 14.28× | -6.3% |
| Dec 31, 2009 | 15.23× | +23.3% |
| Dec 31, 2008 | 12.35× | -4.4% |
| Dec 31, 2007 | 12.92× | -3.4% |
| Dec 31, 2006 | 13.38× | -5.6% |
| Dec 31, 2005 | 14.18× | +4.5% |
| Dec 31, 2004 | 13.58× | -16.8% |
| Dec 31, 2003 | 16.32× | +29.6% |
| Dec 31, 2002 | 12.60× | -41.6% |
| Dec 31, 2001 | 21.56× | N/M |
Change is relative to the preceding observation. N/M values are excluded from averages.
How CIZN compares
Company P/E vs. peer trailing-12-month ratios
| Company | P/E ratio |
|---|---|
 CIZN This stockCitizens Holding Company | 6.82× |
 CTYPCommunity Bankers' Corporation | 9.72× |
 CMTVCommunity Bancorp | 13.69× |
 CBAFCITBA Financial Corporation | 10.52× |
 NACBNational Capital Bancorp, Inc. | 15.60× |
 CBKMConsumers Bancorp, Inc. | 8.57× |
 PFBXPeoples Financial Corporation | 26.36× |
 PEBKPeoples Bancorp of North Carolina, Inc. | 10.73× |
 CMHFCommunity Heritage Financial, Inc. | 14.82× |
Peers are selected by the data provider. Business models and earnings definitions can differ.
Put the numbers in context
What does CIZN’s P/E tell you?
Compare like with like
The median of the 8 positive peer ratios above is 12.21×. Check growth, margins, debt, and earnings quality before interpreting the gap. A faster-growing business may justify a higher multiple.
Check what drives earnings
One-off gains can temporarily lower P/E; unusual charges can raise it. Reported earnings and forward estimates answer different questions. Pair this view with return on equity and liquidity for a fuller picture.
Keep your research connected
Take CIZN into your spreadsheet
Pull historical P/E into Excel or Google Sheets with Wisesheets. Build your own comparisons alongside the rest of your financial model.
Explore WisesheetsQuarterly P/E · latest quarterLQ selects the latest reported quarter. Requires the Wisesheets add-in. See available data
=WISE("CIZN", "PE Ratio", "LQ")Sources & calculation methodology
Current P/E
Share price 9.75 ÷ EPS 1.43 = 6.82×. Data is supplied by Financial Modeling Prep through Wisesheets. Quote feed updated Nov 5, 2026; this is not a real-time trading quote.
History & averages
Annual and quarterly P/E observations are provided separately from the current quote. Averages use the latest 3, 5, or 10 annual observations, excluding missing and nonpositive ratios. Pre-IPO observations are omitted. These are period-end observations, not daily averages.
Data definitions and limitations
The current quote feed does not specify the exact EPS filing-period end or whether EPS is basic or diluted. We do not label it as forward P/E. Peer ratios are explicitly trailing-12-month (TTM) values. Historical observations do not include independently verified price and EPS inputs. Sources may update on different schedules; rounded inputs can produce small calculation differences. Historical comparisons describe past pricing, not an estimate of fair value.
CIZN P/E ratio: common questions
The essentials behind the numbers.
Citizens Holding Company's current P/E is 6.82× based on the quote data last updated Nov 5, 2026. It represents the share price divided by reported earnings per share. Prices and earnings may refresh on different schedules.
Annual P/E uses earnings for a completed fiscal year. Trailing-12-month (TTM) P/E uses the latest four quarters, while forward P/E uses forecast earnings. These are not interchangeable. This page labels peer ratios as TTM and shows dated annual or quarterly historical observations; it does not show forward estimates.
N/M means not meaningful: the feed has no positive P/E for that observation. Negative or zero earnings should not be ranked as a low positive valuation multiple. N/M observations are excluded from the averages shown above.
Divide the share price by earnings per share (EPS). For example, a share price of 100 and EPS of 5 gives a P/E of 20×. This page uses the price and EPS supplied together in the quote when both are positive.
Price timestamps, EPS definitions, share classes, adjustments, and fiscal periods can differ. A forward P/E also uses forecast earnings rather than reported earnings. Compare the inputs and as-of dates before comparing two displayed ratios.
Not necessarily. The average describes previous market pricing, not fair value. Changes in earnings quality, growth expectations, debt, accounting, and business risk can justify a different multiple today.