Citizens Holding Company (CIZN) Fair Value 2026

CIZN · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.8 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Citizens Holding Company (CIZN) trades at $10.40, versus a $9.23 median fair value across its 6 active models — 11.3% below the current price. QOC: 6.8/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
CIZN
Price
$10.40
Quality Score
6.8/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: Earnings Power Value suggests +32.5% upside with 40% confidence
Risk: Majority of models suggest overvaluation

Is Citizens Holding Company (CIZN) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Citizens Holding Company (CIZN) appears overvalued as of : the median of 6 independent fair value estimates is $9.23, 11.3% below the current price of $10.40. Estimates range from $2.60 to $13.78. CIZN scores 6.8/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CIZN’s -11.3% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Citizens Holding Company Stock in 2026? →

What Fair Value Does Each Model Give CIZN?

6 Intrinsic Value Models vs. Current Price ($10.40)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $13.78 +32.5%
Ensemble · Low Conviction
 $8.19 -21.2%
Intrinsic · Medium Conviction
 $2.60 -75.0%
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What Is CIZN's Fair Value Range?

Spread across 6 independent models · $2.60 to $13.78

CirclFi's 6 active models place Citizens Holding Company (CIZN) between $2.60 and $13.78 per share, a spread of 121% of the median. The median of that range — $9.23 — is the fair value CirclFi publishes for CIZN, against a current price of $10.40.

Low · Markov DDMHigh · EPV
$2.60median $9.23$13.78
Where the range comes from
Most bearish modelMarkov DDM$2.60
Most bullish modelEarnings Power Value (EPV)$13.78
Model agreement2 bullish · 3 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for CIZN. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on CIZN, not a CirclFi price target. How each model works →

What Is Citizens Holding Company (CIZN) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Citizens Holding Company presents a highly debated valuation profile at its current price of $10.40. The median intrinsic value is estimated at $9.23 (-11.3% median upside), masking a wide model spread between the 2 bullish models and 3 bearish models. Model dispersion is worth noting: EPV targets $13.78 (+32.5%), versus Markov DDM at $2.60 (-75.0%). This +107.6% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About CIZN?

6 of 13 models are currently active for CIZN. Of these, 2 models suggest upside while 4 models suggest overvaluation. Taken together, their median fair value for CIZN is $9.23 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CIZN Rank in Banks - Regional?

Among 349 Banks - Regional stocks, CIZN ranks #309 by Quality of Company score. CirclFi's QOC score of 6.8/10 evaluates 32 fundamental signals. A score of 6.8 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to lending environment businesses. For Citizens Holding Company, metrics like cost-to-income ratio provide important context that general-purpose valuation models may underweight.

Is CIZN a Value Trap?

CirclFi's Value Trap algorithm assigns CIZN a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Citizens Holding Company. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Citizens Holding Company scores 6.8 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +107.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CIZN valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CIZN's 6 active models, average confidence is 23%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Citizens Holding Company Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

BSACBanco Santander-ChileQOC 6.8FDSBFifth District Bancorp, Inc.QOC 6.8MSBBMercer Bancorp, Inc.QOC 6.9BLXBladex Inc.QOC 6.8HBNCHorizon Bancorp, Inc.QOC 6.9EGBNEagle Bancorp, Inc.QOC 6.8NBTBNBT Bancorp Inc.QOC 8.5BPOPPopular, Inc.QOC 8.2FUSBFirst US Bancshares, Inc.QOC 7.8ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: BSAC · FDSB · MSBB · BLX · HBNC · EGBN · NBTB · BPOP · FUSB · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to CIZN?

7 companies across all industries closest to CIZN’s Quality of Company score of 6.8/10.

OIO-I Glass, Inc.QOC 6.8ICCCImmuCell CorporationQOC 6.8BHICBioScience Health Innovations IQOC 6.8SMRNuScale Power CorporationQOC 6.8BGBunge Global SAQOC 6.8OCGNOcugen, Inc.QOC 6.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: OI · ICCC · BHIC · SMR · BG · OCGN · NVDA

Where Does CIZN Sit in CirclFi's Banks - Regional Rankings?

CIZN is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Citizens Holding Company’s Valuation?

What is Citizens Holding Company's intrinsic value in 2026?

CirclFi puts Citizens Holding Company (CIZN)'s intrinsic value at $9.23 — the median of 6 independent model estimates as of 2026-08-27, ranging from $2.60 to $13.78. The Quality of Company score is 6.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CIZN overvalued or undervalued right now?

At $10.40, 2 of 6 active models suggest CIZN may be undervalued, while 4 indicate potential overvaluation. The median of all 6 fair value estimates is $9.23, 11.3% below the current price of $10.40 — a consensus view that CIZN is overvalued. The assessment depends on which methodology best fits Citizens Holding Company's business model in Banks - Regional.

What does a Quality of Company score of 6.8 mean for CIZN?

Citizens Holding Company's QOC of 6.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on CIZN?

CirclFi analyzes CIZN with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CIZN?

Of the 6 models currently active on CIZN, Earnings Power Value (EPV) is the most bullish at $13.78 per share, and Markov DDM is the most bearish at $2.60. CirclFi's published fair value for CIZN is the median of that range, $9.23, not either extreme. The gap between the two ends equals 121% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is CIZN a value trap in 2026?

Citizens Holding Company's Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Citizens Holding Company (CIZN) has a median fair value of $9.23 — 11.3% below the current price of $10.40 — as of 2026-08-27.” Source: circlfi.com/stock/CIZN/ · Methodology
Primary sources for this CIZN valuation
  • Financial statements: Citizens Holding Company 10-K and 10-Q filings on SEC EDGAR (CIK 0001075706) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CIZN as of ; valuations recomputed .

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