Ratios from the company's XBRL filings, latest filings
Revenue, TTM
n/a
fewer than four consecutive quarters of revenue filed
Revenue, TTM CIZN
FY Dec 2023
n/a
FY Dec 2022
n/a
FY Dec 2021
n/a
FY Dec 2020
n/a
FY Dec 2019
n/a
Dec 2023
n/a
Sep 2023
n/a
Jun 2023
n/a
Mar 2023
n/a
Dec 2022
n/a
Sep 2022
n/a
Jun 2022
n/a
Mar 2022
n/a
At each fiscal year end
Single quarter
Net margin, TTM
n/a
needs four consecutive quarters of both revenue and net income
Net margin, TTM CIZN
FY Dec 2023
n/a
FY Dec 2022
n/a
FY Dec 2021
n/a
FY Dec 2020
n/a
FY Dec 2019
n/a
Dec 2023
n/a
Sep 2023
n/a
Jun 2023
n/a
Mar 2023
n/a
Dec 2022
n/a
Sep 2022
n/a
Jun 2022
n/a
Mar 2022
n/a
At each fiscal year end
Single quarter
Free cash flow, TTM
$4.8M
operating cash flow minus capex, 2023-01-01 to 2023-12-31
Free cash flow, TTM CIZN
FY Dec 2023
$4.8M
FY Dec 2022
$11.1M
FY Dec 2021
$14.9M
FY Dec 2020
$12.0M
FY Dec 2019
$12.5M
Dec 2023
$1.1M
Sep 2023
$2.0M
Jun 2023
$626.0K
Mar 2023
$1.1M
Dec 2022
$2.5M
Sep 2022
$2.4M
Jun 2022
$3.6M
Mar 2022
$2.7M
At each fiscal year end
Single quarter
Debt to equity
4.12x
long-term 2023-12-31 plus current 2023-12-31; equity 2023-12-31
Debt to equity CIZN
FY Dec 2023
4.12x
FY Dec 2022
3.73x
FY Dec 2021
1.23x
FY Dec 2020
1.85x
FY Dec 2019
n/a
Dec 2023
4.12x
Sep 2023
0.57x
Jun 2023
0.49x
Mar 2023
0.48x
Dec 2022
3.73x
Sep 2022
4.01x
Jun 2022
5.04x
Mar 2022
2.08x
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
0.03x
TTM operating cash flow over long-term 2023-12-31 plus current 2023-12-31
Cash flow to debt CIZN
FY Dec 2023
0.03x
FY Dec 2022
0.09x
FY Dec 2021
0.13x
FY Dec 2020
0.06x
FY Dec 2019
n/a
Dec 2023
0.03x
Sep 2023
0.37x
Jun 2023
0.46x
Mar 2023
0.61x
Dec 2022
0.09x
Sep 2022
0.10x
Jun 2022
0.09x
Mar 2022
0.12x
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+4.5%
TTM net income over average of 2022-12-31 and 2023-12-31
Return on equity CIZN
FY Dec 2023
+4.5%
FY Dec 2022
+13.3%
FY Dec 2021
+6.6%
FY Dec 2020
+6.0%
FY Dec 2019
+6.0%
Dec 2023
+4.5%
Sep 2023
+15.3%
Jun 2023
+19.6%
Mar 2023
+16.8%
Dec 2022
+13.3%
Sep 2022
+12.8%
Jun 2022
+12.2%
Mar 2022
+9.0%
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+0.1%
TTM net income over average of 2022-12-31 and 2023-12-31
Return on assets CIZN
FY Dec 2023
+0.1%
FY Dec 2022
+0.7%
FY Dec 2021
+0.5%
FY Dec 2020
+0.5%
FY Dec 2019
+0.5%
Dec 2023
+0.1%
Sep 2023
+0.4%
Jun 2023
+0.5%
Mar 2023
+0.7%
Dec 2022
+0.7%
Sep 2022
+0.7%
Jun 2022
+0.6%
Mar 2022
+0.5%
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on invested capital CIZN
FY Dec 2023
n/a
FY Dec 2022
n/a
FY Dec 2021
n/a
FY Dec 2020
n/a
FY Dec 2019
n/a
Dec 2023
n/a
Sep 2023
n/a
Jun 2023
n/a
Mar 2023
n/a
Dec 2022
n/a
Sep 2022
n/a
Jun 2022
n/a
Mar 2022
n/a
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
Return on capital employed CIZN
FY Dec 2023
n/a
FY Dec 2022
n/a
FY Dec 2021
n/a
FY Dec 2020
n/a
FY Dec 2019
n/a
Dec 2023
n/a
Sep 2023
n/a
Jun 2023
n/a
Mar 2023
n/a
Dec 2022
n/a
Sep 2022
n/a
Jun 2022
n/a
Mar 2022
n/a
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
26.67x
close 2026-10-27 over four quarters of diluted EPS, 2023-01-01 to 2023-12-31
P/E, trailing CIZN
FY Dec 2023
23.48x
FY Dec 2022
8.01x
FY Dec 2021
13.99x
FY Dec 2020
16.90x
FY Dec 2019
18.70x
Dec 2023
23.48x
Sep 2023
11.54x
Jun 2023
10.65x
Mar 2023
7.79x
Dec 2022
8.01x
Sep 2022
9.62x
Jun 2022
12.27x
Mar 2022
14.22x
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$131.1M
market value at close 2026-10-27 on 2024-03-29 shares, plus long-term 2023-12-31 plus current 2023-12-31, minus cash 2023-12-31
Enterprise value CIZN
FY Dec 2023
$125.1M
FY Dec 2022
$193.7M
FY Dec 2021
$156.4M
FY Dec 2020
$296.0M
FY Dec 2019
n/a
Dec 2023
$125.1M
Sep 2023
-$65.7M
Jun 2023
$70.6M
Mar 2023
$71.3M
Dec 2022
$193.7M
Sep 2022
$180.7M
Jun 2022
$190.5M
Mar 2022
$166.4M
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+9.7%
TTM free cash flow over market value at close 2026-10-27
FCF yield CIZN
FY Dec 2023
+11.0%
FY Dec 2022
+14.5%
FY Dec 2021
+14.2%
FY Dec 2020
+10.3%
FY Dec 2019
+10.2%
Dec 2023
+11.0%
Sep 2023
+10.5%
Jun 2023
+9.6%
Mar 2023
+14.1%
Dec 2022
+14.5%
Sep 2022
+12.7%
Jun 2022
+9.0%
Mar 2022
+12.1%
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
n/a
trailing EPS growth -81%, PEG needs growth
PEG, trailing CIZN
FY Dec 2023
n/a
FY Dec 2022
0.29x
FY Dec 2021
1.74x
FY Dec 2020
2.82x
FY Dec 2019
n/a
Dec 2023
n/a
Sep 2023
n/a
Jun 2023
n/a
Mar 2023
0.56x
Dec 2022
0.29x
Sep 2022
0.80x
Jun 2022
8.89x
Mar 2022
n/a
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-27. Hover or tap a tile for its yearly and quarterly history.Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
CIZN ranks highest on risk and compliance (85th percentile) and profitability (13th), and lowest on financial health (4th), among Banks peers.
Profitability
13
Inputs
Return on equity+4.5% · 17 pct, sector of 327
Return on assets+0.1% · 10 pct, sector of 334
Return on invested capitalfewer than four consecutive quarters of operating income
Return on capital employedfewer than four consecutive quarters of operating income
Financial health
4
Inputs
Debt to equity4.12x · 0 pct, sector of 229
Cash flow to debt0.03x · 7 pct, sector of 198
Risk and compliance
85
Inputs
Short interest, % of shares outstanding (no float on file)+0.2% · 85 pct, sector of 378
Recalls per $1B revenue, 3yrevenue under $50M or not filed, so a count cannot be scaled to size
EPA cases per $1B revenue, 5yrevenue under $50M or not filed, so a count cannot be scaled to size
New text in Risk Factors, latest 10-Kneeds two 10-Ks with a Risk Factors section (not 20-F filers or stubs)
4 not measured: Growth, Insider conviction, Institutional and government, US patents
Growth needs 1 of 2 inputs, 0 present: no backlog line filed, or no year-earlier backlog; no revenue for this year and the year before
Insider conviction needs 1 of 2 inputs, 0 present: no Form 4 purchase or sale (code P or S) in 180 days; no insider trades in 180 days
Institutional and government needs 1 of 4 inputs, 0 present: fewer than five funds report holding it; no Congress trades in 365 days; no federal contracts in 180 days; no lobbying filings in the last four quarters
US patents needs 1 of 2 inputs, 0 present: patent data not loaded yet
3 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
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