What is CITZNS HOLDINGS CO MISS's earnings per share (EPS)?

CITZNS HOLDINGS CO MISS (CIZN) reported diluted earnings per share of $0.33 for fiscal year 2023. This represents a -80.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

CITZNS HOLDINGS CO MISS (CIZN) Financials

CIZN

FY2023 annual

Revenue $38.6M -15.7% YoY

Net Income $1.9M -80.7% YoY

EPS (Diluted) $0.33 -80.8% YoY

Free Cash Flow $4.8M -56.8% YoY

Market Cap $59.9M as of Sep 11, 2026

Price / Sales 1.6x on $38.6M revenue, FY2023

Price / Earnings 32.3x on $1.9M net income, FY2023

Price / Book 1.4x on $42.8M equity, Q4 FY2023

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 11, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period FY2023, ended Dec 31, 2023 Reported Mar 29, 2024 Currency USD FYE December

Newest figures come from the 10-K for FY2023, filed Mar 29, 2024. Each column of the statement tables below links to the filing it was taken from.

CITZNS HOLDINGS CO MISS (CIZN) reported $38.6M in revenue for fiscal year 2023, down 15.7% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CIZN FY2023 2026-09-05

Interest-cost shock compressed earnings and cash conversion while a liability-funded balance sheet remained the central operating structure.

Interest expense rose from $4.8M in FY2022 to $19.4M in FY2023, making funding costs the key explanation for the earnings break. The result was a collapse in net margin from 21.0% to 4.8%, showing that the business remained highly sensitive to its funding economics.

The liability share of assets stayed near 97.0% in FY2023, while debt-to-equity was 0.5x; this is a balance sheet funded predominantly by obligations rather than shareholder capital.

Operating cash flow fell from $13.8M in FY2022 to $5.5M in FY2023, and free-cash-flow conversion weakened with it. Because capital expenditures were only $718K in FY2023, the weaker cash result primarily reflects lower operating earnings rather than heavier reinvestment.

Financial Health Signals

Financial health score not available

CITZNS HOLDINGS CO MISS does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/7

CITZNS HOLDINGS CO MISS passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.98x

For every $1 of reported earnings, CITZNS HOLDINGS CO MISS generates $2.98 in operating cash flow ($5.5M OCF vs $1.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$8.3M

YoY-28.2%

QoQ-22.2%

5Y CAGR-0.8%

10Y CAGR-1.1%

CITZNS HOLDINGS CO MISS generated $8.3M in revenue in Q4 2023. This represents a decrease of 28.2% from the same quarter a year earlier. Against the prior quarter it is down 22.2%.

Net Income

-$793K

YoY-132.2%

QoQ-165.7%

CITZNS HOLDINGS CO MISS reported -$793K in net income in Q4 2023. This represents a decrease of 132.2% from the same quarter a year earlier. Against the prior quarter it is down 165.7%.

EPS (Diluted)

-$0.14

YoY-131.8%

QoQ-163.6%

CITZNS HOLDINGS CO MISS earned -$0.14 per diluted share (EPS) in Q4 2023. This represents a decrease of 131.8% from the same quarter a year earlier. Against the prior quarter it is down 163.6%.

EBITDA

Not reported for Q4 2023.

Cash & Balance Sheet

Free Cash Flow

$1.1M

YoY-57.3%

QoQ-47.3%

5Y CAGR-20.3%

10Y CAGR-8.3%

CITZNS HOLDINGS CO MISS generated $1.1M in free cash flow in Q4 2023, representing cash available after capex. This represents a decrease of 57.3% from the same quarter a year earlier. Against the prior quarter it is down 47.3%.

Cash & Debt

$94.5M

YoY+230.4%

QoQ-34.6%

5Y CAGR+35.5%

10Y CAGR+19.4%

CITZNS HOLDINGS CO MISS held $94.5M in cash against $18.0M in long-term debt as of Q4 2023.

Dividends Per Share

$0.16

YoY-33.3%

QoQ0.0%

5Y CAGR-7.8%

10Y CAGR-3.1%

CITZNS HOLDINGS CO MISS paid $0.16 per share in dividends in Q4 2023. This represents a decrease of 33.3% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+0.3%

QoQ+0.1%

5Y CAGR+2.8%

10Y CAGR+1.4%

CITZNS HOLDINGS CO MISS had 6M shares outstanding in Q4 2023. This represents an increase of 0.3% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Margins & Returns

Net Margin

-9.6%

YoY-31.0pp

QoQ-20.9pp

5Y change-29.5pp

10Y change-32.6pp

CITZNS HOLDINGS CO MISS's net profit margin was -9.6% in Q4 2023, showing the share of revenue converted to profit. This is down 31.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 20.9 percentage points.

Return on Equity

-1.9%

YoY-8.2pp

QoQ-5.4pp

5Y change-3.9pp

10Y change-5.1pp

CITZNS HOLDINGS CO MISS's ROE was -1.9% in Q4 2023, measuring profit generated per dollar of shareholder equity. This is down 8.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 5.4 percentage points.

Gross Margin

Not reported for Q4 2023.

Operating Margin

Not reported for Q4 2023.

Capital Allocation

Capital Expenditures

$85K

YoY-80.3%

QoQ-72.1%

5Y CAGR+1.9%

10Y CAGR+1.4%

CITZNS HOLDINGS CO MISS invested $85K in capex in Q4 2023, funding long-term assets and infrastructure. This represents a decrease of 80.3% from the same quarter a year earlier. Against the prior quarter it is down 72.1%.

R&D Spending

Not reported for Q4 2023.

Share Buybacks

Not reported for Q4 2023.

CIZN Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CIZN quarterly income statement

Metric	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Revenue	$38.6M-15.7%	$45.8M+0.2%	$45.7M+4.8%	$43.6M+23.2%	$35.4M-0.3%	$35.5M+0.1%	$35.5M+2.0%	$34.8M-4.0%	$36.2M-0.8%	$36.5M+1.9%	$35.9M-0.6%	$36.1M-4.5%	$37.8M+2.6%	$36.8M-2.1%	$37.6M
SG&A Expenses	$18.6M+5.3%	$17.6M-4.4%	$18.5M+5.6%	$17.5M+17.4%	$14.9M+2.4%	$14.5M-1.6%	$14.8M+7.8%	$13.7M+3.0%	$13.3M+1.5%	$13.1M-0.1%	$13.1M-4.6%	$13.7M-2.3%	$14.1M+2.0%	$13.8M+3.9%	$13.3M
Interest Expense	$19.4M+305.0%	$4.8M-4.4%	$5.0M-32.5%	$7.4M-23.6%	$9.7M+118.0%	$4.5M+33.4%	$3.3M+7.9%	$3.1M+0.7%	$3.1M+1.9%	$3.0M-26.0%	$4.1M-28.5%	$5.7M-14.0%	$6.6M-23.9%	$8.7M-23.0%	$11.3M
Income Tax	-$74K-103.9%	$1.9M+31.4%	$1.4M-18.3%	$1.8M+29.4%	$1.4M+63.5%	$828K-79.7%	$4.1M+152.6%	$1.6M-35.0%	$2.5M+35.6%	$1.8M+3.3%	$1.8M+7.2%	$1.7M+25.3%	$1.3M-36.8%	$2.1M+27.7%	$1.6M
Net Income	$1.9M-80.7%	$9.6M+28.4%	$7.5M+8.1%	$6.9M+17.4%	$5.9M-11.6%	$6.7M+80.2%	$3.7M-45.0%	$6.7M-11.2%	$7.6M+1.9%	$7.4M+4.2%	$7.1M+5.4%	$6.8M-6.0%	$7.2M+0.8%	$7.2M+0.3%	$7.1M
EPS (Basic)	$0.33-80.8%	$1.72+28.4%	$1.34+8.1%	$1.24+6.0%	$1.17-14.0%	$1.36+78.9%	$0.76-44.9%	$1.38-11.5%	$1.56+2.0%	$1.53+4.1%	$1.47+5.0%	$1.40-6.0%	$1.49+0.7%	$1.48+0.7%	$1.47
EPS (Diluted)	$0.33-80.8%	$1.72+28.4%	$1.34+8.1%	$1.24+6.0%	$1.17-14.0%	$1.36+78.9%	$0.76-44.9%	$1.38-11.5%	$1.56+2.0%	$1.53+4.1%	$1.47+5.8%	$1.39-6.7%	$1.49+0.7%	$1.48+2.1%	$1.45
Diluted Shares (Avg)	6M+0.1%	6M+0.1%	6M+0.1%	6M+10.1%	5M+3.4%	5M+0.1%	5M+0.4%	5M0.0%	5M+0.1%	5M0.0%	5M+0.1%	5M+0.4%	5M-0.1%	5M-1.2%	5M

Metric	Q4'2310-K	Q3'2310-Q	Q2'2310-Q	Q1'2310-Q	Q4'2210-K	Q3'2210-Q	Q2'2210-Q	Q1'2210-Q
Revenue	$8.3M-28.2%	$10.6M-10.8%	$9.7M-16.1%	$10.0M-7.2%	$11.5M+0.7%	$11.9M+0.3%	$11.5M+0.4%	$10.8M-0.4%
SG&A Expenses	$4.5M+5.4%	$4.7M+3.3%	$4.7M+6.8%	$4.7M+5.8%	$4.3M-6.5%	$4.5M-4.5%	$4.4M-3.8%	$4.4M-2.8%
Interest Expense	$6.9M+221.1%	$5.4M+402.1%	$3.7M+369.8%	$3.4M+337.4%	$2.2M+98.3%	$1.1M-7.5%	$797K-39.7%	$767K-47.0%
Income Tax	-$397K-174.8%	$248K-46.4%	-$79K-115.9%	$154K-60.5%	$531K+52.1%	$463K+50.8%	$497K+37.3%	$390K-5.6%
Net Income	-$793K-132.2%	$1.2M-53.2%	$300K-88.2%	$1.1M-44.0%	$2.5M+36.1%	$2.6M+37.2%	$2.5M+33.2%	$2.0M+7.3%
EPS (Basic)	-$0.14-131.8%	$0.22-52.2%	$0.05-88.9%	$0.20-44.4%	$0.44+37.5%	$0.46+35.3%	$0.45+32.4%	$0.36+5.9%
EPS (Diluted)	-$0.14-131.8%	$0.22-52.2%	$0.05-88.9%	$0.20-44.4%	$0.44+37.5%	$0.46+35.3%	$0.45+32.4%	$0.36+5.9%
Diluted Shares (Avg)	N/A	6M+0.1%	6M+0.2%	6M+0.1%	N/A	6M+0.1%	6M+0.1%	6M+0.1%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CIZN Balance Sheet

CIZN quarterly balance sheet

Metric	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Total Assets	$1.4B+6.1%	$1.3B-2.8%	$1.4B-6.2%	$1.5B+21.4%	$1.2B+24.7%	$958.6M-3.5%	$993.1M-3.1%	$1.0B+5.3%	$973.5M+5.7%	$921.1M+5.5%	$873.1M-0.9%	$880.8M+3.1%	$853.9M+4.4%	$818.2M	N/A
Cash & Equivalents	$94.5M+230.4%	$28.6M-63.9%	$79.2M+87.3%	$42.3M-43.2%	$74.5M+260.4%	$20.7M+15.1%	$18.0M-17.2%	$21.7M+45.1%	$14.9M-33.3%	$22.4M+39.7%	$16.0M-25.6%	$21.6M-39.1%	$35.4M+108.7%	$17.0M+10.4%	$15.4M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$13.0M0.0%	$13.0M0.0%	$13.0M0.0%	$13.0M-0.6%	$13.1M+316.0%	$3.1M0.0%	$3.1M	N/A	N/A	N/A	N/A	$3.1M	N/A	N/A	N/A
Total Liabilities	$1.4B+6.0%	$1.3B+2.3%	$1.3B-5.7%	$1.3B+23.0%	$1.1B+23.8%	$874.8M-3.3%	$904.6M-3.8%	$940.2M+6.0%	$887.1M+5.7%	$839.2M+4.0%	$806.8M+1.9%	$792.0M+3.1%	$767.9M+3.5%	$741.9M	N/A
Long-Term Debt	$18.0M0.0%	$18.0M0.0%	$18.0M	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$42.8M+9.6%	$39.0M-63.1%	$105.9M-11.4%	$119.5M+6.0%	$112.8M+34.5%	$83.9M-5.2%	$88.5M+4.0%	$85.1M-1.6%	$86.4M+5.6%	$81.9M+23.5%	$66.3M-25.4%	$88.9M+3.2%	$86.1M+12.8%	$76.3M+2.3%	$74.6M
Retained Earnings	$99.4M-3.1%	$102.5M+4.3%	$98.3M+2.2%	$96.2M+1.7%	$94.6M+1.1%	$93.6M+2.1%	$91.6M+0.7%	$91.0M+2.3%	$88.9M+3.5%	$85.9M+3.8%	$82.8M+3.6%	$79.9M+3.2%	$77.4M+4.0%	$74.5M	N/A

Metric	Q4'2310-K	Q3'2310-Q	Q2'2310-Q	Q1'2310-Q	Q4'2210-K	Q3'2210-Q	Q2'2210-Q	Q1'2210-Q
Total Assets	$1.4B+6.1%	$1.4B+6.4%	$1.3B-0.7%	$1.3B-4.4%	$1.3B-2.8%	$1.3B-2.0%	$1.3B-2.9%	$1.3B-12.9%
Cash & Equivalents	$94.5M+230.4%	$144.4M+303.4%	$17.9M-56.5%	$16.2M-77.6%	$28.6M-63.9%	$35.8M-61.9%	$41.3M+157.2%	$72.4M+171.7%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$13.0M0.0%	N/A	N/A	N/A	$13.0M0.0%	N/A	N/A	N/A
Total Liabilities	$1.4B+6.0%	$1.4B+6.5%	$1.2B-1.9%	$1.2B-2.9%	$1.3B+2.3%	$1.3B+3.8%	$1.3B+3.6%	$1.3B-10.8%
Long-Term Debt	$18.0M0.0%	N/A	N/A	N/A	$18.0M0.0%	N/A	N/A	N/A
Total Equity	$42.8M+9.6%	$34.3M+5.2%	$40.1M+54.8%	$41.1M-34.7%	$39.0M-63.1%	$32.6M-69.6%	$25.9M-76.3%	$63.0M-40.9%
Retained Earnings	$99.4M-3.1%	$101.0M-0.4%	$100.7M+0.6%	$101.3M+2.4%	$102.5M+4.3%	$101.4M+3.7%	$100.2M+3.0%	$99.0M+2.3%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

CIZN Cash Flow Statement

CIZN quarterly cash flow statement

Metric	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Operating Cash Flow	$5.5M-59.9%	$13.8M-21.3%	$17.5M+24.6%	$14.0M+4.0%	$13.5M+10.9%	$12.2M+14.6%	$10.6M+5.4%	$10.1M-3.1%	$10.4M+7.3%	$9.7M-13.6%	$11.2M+1.1%	$11.1M-5.9%	$11.8M-32.7%	$17.5M+78.4%	$9.8M
Depreciation & Amortization	$1.4M+12.7%	$1.3M+8.7%	$1.2M+4.6%	$1.1M+24.7%	$899K-4.1%	$937K-6.6%	$1.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Stock-Based Compensation	$138K-12.1%	$157K-2.5%	$161K-3.6%	$167K+2.5%	$163K-4.1%	$170K-19.4%	$211K+13.2%	$186K+58.9%	$117K+2.0%	$115K	N/A	$120K-3.1%	$124K-17.9%	$151K+11.7%	$135K
Capital Expenditures	$718K-72.8%	$2.6M+1.7%	$2.6M+28.7%	$2.0M+93.8%	$1.0M+201.2%	$346K-88.1%	$2.9M+194.4%	$989K+117.0%	$456K-74.8%	$1.8M+433.8%	$339K+14.4%	$296K-58.2%	$708K-81.0%	$3.7M+61.1%	$2.3M
Free Cash Flow	$4.8M-56.8%	$11.1M-25.3%	$14.9M+23.9%	$12.0M-3.5%	$12.5M+5.3%	$11.8M+53.4%	$7.7M-15.2%	$9.1M-8.6%	$9.9M+26.2%	$7.9M-27.5%	$10.9M+0.7%	$10.8M-2.6%	$11.1M-19.6%	$13.8M+83.8%	$7.5M
Investing Cash Flow	-$9.8M+88.9%	-$88.3M-189.6%	$98.6M+134.2%	-$288.0M-1064.4%	-$24.7M-240.3%	$17.6M-32.2%	$26.0M+150.6%	-$51.4M	N/A	N/A	-$26.3M+40.6%	-$44.2M-187.0%	-$15.4M-223.6%	$12.5M+113.9%	-$90.0M
Financing Cash Flow	$70.1M+192.9%	$23.9M+130.2%	-$79.2M-132.7%	$241.8M+271.6%	$65.1M+285.0%	-$35.2M+12.8%	-$40.4M-184.0%	$48.0M	N/A	N/A	$9.6M-50.5%	$19.3M-12.6%	$22.1M+177.7%	-$28.4M-142.6%	$66.7M
Dividends Paid	$4.0M-24.8%	$5.4M+0.1%	$5.4M+0.1%	$5.4M+10.0%	$4.9M+3.6%	$4.7M+0.2%	$4.7M+0.2%	$4.7M+3.2%	$4.5M+4.6%	$4.3M+1.3%	$4.3M+0.2%	$4.3M+0.3%	$4.3M+3.7%	$4.1M+4.6%	$3.9M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$390K	N/A	N/A	N/A	N/A	$366K-65.6%	$1.1M

Metric	Q4'2310-K	Q3'2310-Q	Q2'2310-Q	Q1'2310-Q	Q4'2210-K	Q3'2210-Q	Q2'2210-Q	Q1'2210-Q
Operating Cash Flow	$1.1M-60.7%	$2.3M-43.7%	$775K-79.6%	$1.3M-56.0%	$2.9M+12.2%	$4.1M+62.0%	$3.8M-49.6%	$3.0M-38.5%
Capital Expenditures	$85K-80.3%	$305K-82.4%	$149K-34.9%	$179K-28.4%	$431K+17.4%	$1.7M-9.0%	$229K+227.1%	$250K-3.5%
Free Cash Flow	$1.1M-57.3%	$2.0M-15.2%	$626K-82.5%	$1.1M-58.5%	$2.5M+11.3%	$2.4M+279.7%	$3.6M-52.2%	$2.7M-40.5%
Investing Cash Flow	-$32.5M-1624.6%	-$4.2M+86.6%	$1.4M+106.6%	$25.5M+165.2%	$2.1M+109.1%	-$30.9M-161.2%	-$20.4M-108.5%	-$39.1M+62.7%
Financing Cash Flow	-$18.5M-51.5%	$128.3M+500.6%	-$383K+97.4%	-$39.2M-233.6%	-$12.2M-294.9%	$21.4M+1.5%	-$14.6M+93.3%	$29.4M-73.2%
Dividends Paid	$899K-33.1%	$899K-33.2%	$898K-33.2%	$1.3M+0.2%	$1.3M+0.1%	$1.3M+0.1%	$1.3M+0.1%	$1.3M+0.1%

Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation, Share Buybacks.

CIZN Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CIZN quarterly financial ratios

Metric	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Net Margin	4.8%-16.2pp	21.0%+4.6pp	16.4%+0.5pp	15.9%-0.8pp	16.7%-2.1pp	18.8%+8.3pp	10.4%-8.9pp	19.4%-1.6pp	20.9%+0.6pp	20.4%+0.5pp	19.9%+1.1pp	18.8%-0.3pp	19.1%-0.3pp	19.4%+0.5pp	19.0%
Return on Equity	4.3%-20.3pp	24.6%+17.6pp	7.1%+1.3pp	5.8%+0.6pp	5.2%-2.7pp	8.0%+3.8pp	4.2%-3.7pp	7.9%-0.9pp	8.8%-0.3pp	9.1%-1.7pp	10.8%+3.2pp	7.6%-0.8pp	8.4%-1.0pp	9.4%-0.2pp	9.6%
Return on Assets	0.1%-0.6pp	0.7%+0.2pp	0.5%+0.1pp	0.5%0.0pp	0.5%-0.2pp	0.7%+0.3pp	0.4%-0.3pp	0.7%-0.1pp	0.8%0.0pp	0.8%0.0pp	0.8%+0.1pp	0.8%-0.1pp	0.9%0.0pp	0.9%	N/A
Debt-to-Equity	0.420.0x	0.46+0.3x	0.17+0.2x	0.00-9.6x	9.60-0.8x	10.43+0.2x	10.23-0.8x	11.05+0.8x	10.260.0x	10.25-1.9x	12.18+3.3x	8.910.0x	8.92-0.8x	9.72	N/A
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04	N/A
FCF Margin	12.4%-11.8pp	24.3%-8.3pp	32.6%+5.0pp	27.6%-7.6pp	35.2%+1.9pp	33.3%+11.6pp	21.7%-4.4pp	26.2%-1.3pp	27.5%+5.9pp	21.6%-8.8pp	30.3%+0.4pp	29.9%+0.6pp	29.3%-8.1pp	37.5%+17.5pp	20.0%

Metric	Q4'2310-K	Q3'2310-Q	Q2'2310-Q	Q1'2310-Q	Q4'2210-K	Q3'2210-Q	Q2'2210-Q	Q1'2210-Q
Net Margin	-9.6%-31.0pp	11.3%-10.3pp	3.1%-18.9pp	11.3%-7.5pp	21.4%+5.6pp	21.6%+5.8pp	22.1%+5.4pp	18.8%+1.4pp
Return on Equity	-1.9%-8.2pp	3.5%-4.4pp	0.8%-9.0pp	2.8%-0.5pp	6.3%+4.6pp	7.9%+6.2pp	9.8%+8.1pp	3.2%+1.5pp
Return on Assets	-0.1%-0.3pp	0.1%-0.1pp	0.0%-0.2pp	0.1%-0.1pp	0.2%+0.1pp	0.2%+0.1pp	0.2%+0.1pp	0.1%0.0pp
Debt-to-Equity	0.420.0x	40.17+0.5x	31.12-18.0x	30.36+9.9x	0.46+0.3x	39.70+28.1x	49.11+37.9x	20.42+6.9x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	12.7%-8.7pp	18.8%-1.0pp	6.5%-24.5pp	11.3%-13.9pp	21.4%+2.0pp	19.7%+14.5pp	31.0%-34.1pp	25.2%-17.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Where CITZNS HOLDINGS CO MISS Ranks

Frequently Asked Questions

What is CITZNS HOLDINGS CO MISS's annual revenue?

CITZNS HOLDINGS CO MISS (CIZN) reported $38.6M in total revenue for fiscal year 2023. This represents a -15.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is CITZNS HOLDINGS CO MISS's revenue growing?

CITZNS HOLDINGS CO MISS (CIZN) revenue declined by 15.7% year-over-year, from $45.8M to $38.6M in fiscal year 2023.

Is CITZNS HOLDINGS CO MISS profitable?

Yes, CITZNS HOLDINGS CO MISS (CIZN) reported a net income of $1.9M in fiscal year 2023, with a net profit margin of 4.8%.

How much debt does CITZNS HOLDINGS CO MISS have?

As of fiscal year 2023, CITZNS HOLDINGS CO MISS (CIZN) had $94.5M in cash and equivalents against $18.0M in long-term debt.

What is CITZNS HOLDINGS CO MISS's net profit margin?

CITZNS HOLDINGS CO MISS (CIZN) had a net profit margin of 4.8% in fiscal year 2023, representing the share of revenue converted into profit after all expenses.

Does CITZNS HOLDINGS CO MISS pay dividends?

Yes, CITZNS HOLDINGS CO MISS (CIZN) paid $0.72 per share in dividends during fiscal year 2023.

What is CITZNS HOLDINGS CO MISS's return on equity (ROE)?

CITZNS HOLDINGS CO MISS (CIZN) has a return on equity of 4.3% for fiscal year 2023, measuring how efficiently the company generates profit from shareholder equity.

What is CITZNS HOLDINGS CO MISS's free cash flow?

CITZNS HOLDINGS CO MISS (CIZN) generated $4.8M in free cash flow during fiscal year 2023. This represents a -56.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is CITZNS HOLDINGS CO MISS's operating cash flow?

CITZNS HOLDINGS CO MISS (CIZN) generated $5.5M in operating cash flow during fiscal year 2023, representing cash generated from core business activities.

What are CITZNS HOLDINGS CO MISS's total assets?

CITZNS HOLDINGS CO MISS (CIZN) had $1.4B in total assets as of fiscal year 2023, including both current and long-term assets.

What are CITZNS HOLDINGS CO MISS's capital expenditures?

CITZNS HOLDINGS CO MISS (CIZN) invested $718K in capital expenditures during fiscal year 2023, funding long-term assets and infrastructure.

How many shares does CITZNS HOLDINGS CO MISS have outstanding?

CITZNS HOLDINGS CO MISS (CIZN) had 6M shares outstanding as of fiscal year 2023.

What is CITZNS HOLDINGS CO MISS's debt-to-equity ratio?

CITZNS HOLDINGS CO MISS (CIZN) had a debt-to-equity ratio of 0.42 as of fiscal year 2023, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is CITZNS HOLDINGS CO MISS's return on assets (ROA)?

CITZNS HOLDINGS CO MISS (CIZN) had a return on assets of 0.1% for fiscal year 2023, measuring how efficiently the company uses its assets to generate profit.

What is CITZNS HOLDINGS CO MISS's P/E ratio?

CITZNS HOLDINGS CO MISS (CIZN) trades at 32.3x earnings, its market capitalization divided by net income of $1.9M net income, FY2023. The market capitalization is $59.9M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CITZNS HOLDINGS CO MISS's price-to-sales ratio?

CITZNS HOLDINGS CO MISS (CIZN) trades at 1.6x sales, its market capitalization divided by revenue of $38.6M revenue, FY2023. The market capitalization is $59.9M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CITZNS HOLDINGS CO MISS's Piotroski F-Score?

CITZNS HOLDINGS CO MISS (CIZN) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are CITZNS HOLDINGS CO MISS's earnings high quality?

CITZNS HOLDINGS CO MISS (CIZN) has an earnings quality ratio of 2.98x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.