Is Citizens Holding Co. (Mississippi) overvalued or undervalued?

As of 4 August 2025, the valuation grade for Citizens Holding Co. (Mississippi) moved from expensive to fair. The company appears to be fairly valued based on its current metrics. Key ratios include a P/E ratio of 11, a Price to Book Value of 0.95, and a PEG Ratio of 0.43, indicating potential for growth relative to its price.
In comparison to its peers, Citizens Holding Co. has a lower P/E ratio than Eagle Bancorp Montana, Inc. at 11.43 and SB Financial Group, Inc. at 13.92, suggesting it may be undervalued relative to these companies. However, its valuation is in line with the industry average. Notably, the company's stock has underperformed significantly against the S&P 500, with a year-to-date return of -27.37% compared to the S&P 500's 12.22%, reinforcing the notion that the stock may be undervalued in the current market environment.