Citizens Holding Company (CIZN) — Defensive Interval Ratio
Citizens Holding Company (CIZN) has a Defensive Interval Ratio of 700 days as of March 2026. Defensive assets of $151.41 Million (cash $-, short-term investments $146.14 Million, receivables $5.27 Million) cover 700 days of daily cash needs of $216.22K/day. See Citizens Holding Company short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Citizens Holding Company Defensive Interval Ratio (1998–2025)
This chart shows how Citizens Holding Company's Defensive Interval Ratio has evolved across 28 annual periods from 1998 to 2025. As of March 2026, the ratio stands at 700 days, meaning defensive assets of $151.41 Million can fund 700 days of operations without new revenue. See net asset quality index of Citizens Holding Company to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Citizens Holding Company (1998–2025)
The table below presents the year-by-year Defensive Interval Ratio for Citizens Holding Company from 1998 to 2025, covering 28 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Citizens Holding Company (CIZN) total market value.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 391 days | $79.47 Million | $203.35K/day | $- | $73.69 Million | ▲ +333 days |
| 2024 | 58 days | $192.96 Million | $3.32 Million/day | $- | $187.34 Million | ▼ -3414 days |
| 2023 | 3472 days | $183.03 Million | $52.72K/day | $- | $177.79 Million | ▲ +3412 days |
| 2022 | 59 days | $206.19 Million | $3.49 Million/day | $- | $201.32 Million | ▼ -128 days |
| 2021 | 187 days | $636.01 Million | $3.41 Million/day | $- | $631.84 Million | ▼ -9606 days |
| 2020 | 9793 days | $684.73 Million | $69.92K/day | $- | $678.75 Million | ▲ +9633 days |
| 2019 | 160 days | $468.56 Million | $2.93 Million/day | $- | $464.38 Million | ▼ -347938 days |
| 2018 | 348097 days | $448.91 Million | $1.29K/day | $- | $444.75 Million | ▲ +332200 days |
| 2017 | 15897 days | $509.50 Million | $32.05K/day | $- | $505.05 Million | ▼ -901042 days |
| 2016 | 916939 days | $500.84 Million | $546.21/day | $- | $496.12 Million | ▲ +367006 days |
| 2015 | 549933 days | $271.19 Million | $493.14/day | $- | $267.26 Million | ▲ +549851 days |
| 2014 | 83 days | $183.62 Million | $2.22 Million/day | $- | $179.75 Million | ▼ -735922 days |
| 2013 | 736005 days | $402.31 Million | $546.61/day | $- | $398.18 Million | ▲ +735788 days |
| 2012 | 217 days | $425.57 Million | $1.96 Million/day | $- | $420.91 Million | ▼ -371232 days |
| 2011 | 371449 days | $378.95 Million | $1.02K/day | $- | $374.51 Million | ▲ +367399 days |
| 2010 | 4050 days | $5.98 Million | $1.48K/day | $- | $1.16 Million | ▲ +4044 days |
| 2009 | 6 days | $11.28 Million | $1.88 Million/day | $- | $5.23 Million | ▼ -1936 days |
| 2008 | 1942 days | $7.27 Million | $3.74K/day | $- | $1.00 Million | ▲ +1937 days |
| 2007 | 5 days | $6.72 Million | $1.32 Million/day | $- | $1.51 Million | ▼ -11 days |
| 2006 | 16 days | $20.61 Million | $1.30 Million/day | $- | $15.60 Million | ▲ +12 days |
| 2005 | 4 days | $5.01 Million | $1.30 Million/day | $- | $313.00K | ▼ -9 days |
| 2004 | 12 days | $16.20 Million | $1.30 Million/day | $- | $11.82 Million | ▼ -121 days |
| 2003 | 133 days | $166.48 Million | $1.25 Million/day | $- | $162.28 Million | ▲ +127 days |
| 2002 | 6 days | $7.78 Million | $1.26 Million/day | $- | $3.67 Million | ▼ -9 days |
| 2001 | 15 days | $15.64 Million | $1.03 Million/day | $- | $11.52 Million | ▲ +6 days |
| 2000 | 10 days | $8.69 Million | $913.71K/day | $- | $3.96 Million | ▲ +5 days |
| 1999 | 4 days | $3.68 Million | $875.08K/day | $- | $- | ▼ -1 days |
| 1998 | 5 days | $3.70 Million | $773.27K/day | $- | $- | — |