Citizens Holding Company Logo

Citizens Holding Company

CIZN

(2.5)
Stock Price

8,85 USD

0.36% ROA

13.22% ROE

8.52x PER

Market Cap.

43.639.739,00 USD

52.41% DER

9.27% Yield

12.27% NPM

Citizens Holding Company Stock Analysis

Citizens Holding Company Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Citizens Holding Company Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (16.96%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 DER

The stock has a low debt to equity ratio (10%), which means it has a small amount of debt compared to the ownership it holds

3 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

4 ROA

The stock's ROA (0.51%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.45x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

7 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (49) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

10 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Citizens Holding Company Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Citizens Holding Company Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Buy

Citizens Holding Company Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Citizens Holding Company Revenue
Year Revenue Growth
1998 4.167.116
1999 17.623.617 76.35%
2000 17.859.000 1.32%
2001 19.700.453 9.35%
2002 24.885.349 20.84%
2003 26.860.185 7.35%
2004 28.009.373 4.1%
2005 28.933.347 3.19%
2006 29.493.210 1.9%
2007 29.115.747 -1.3%
2008 33.645.818 13.46%
2009 37.610 -89359.77%
2010 36.393.000 99.9%
2011 37.774.000 3.66%
2012 36.081.000 -4.69%
2013 35.851.000 -0.64%
2014 36.525.000 1.85%
2015 36.215.000 -0.86%
2016 34.763.000 -4.18%
2017 35.459.000 1.96%
2018 35.499.000 0.11%
2019 35.387.000 -0.32%
2020 43.594.000 18.83%
2021 45.682.000 4.57%
2022 44.967.000 -1.59%
2023 42.484.000 -5.84%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Citizens Holding Company Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Citizens Holding Company General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 4.663.908
1999 4.656.363 -0.16%
2000 4.901.589 5%
2001 5.597.105 12.43%
2002 7.102.641 21.2%
2003 7.925.908 10.39%
2004 8.607.066 7.91%
2005 9.523.367 9.62%
2006 9.980.336 4.58%
2007 10.539.810 5.31%
2008 12.054.144 12.56%
2009 13.257.839 9.08%
2010 13.780.388 3.79%
2011 14.056.536 1.96%
2012 16.120.548 12.8%
2013 14.387.056 -12.05%
2014 15.234.450 5.56%
2015 13.295.000 -14.59%
2016 13.697.000 2.93%
2017 14.772.000 7.28%
2018 14.530.000 -1.67%
2019 14.883.000 2.37%
2020 17.476.000 14.84%
2021 18.460.000 5.33%
2022 20.524.000 10.06%
2023 18.624.000 -10.2%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Citizens Holding Company EBITDA
Year EBITDA Growth
1998 18.576.293
1999 19.913.201 6.71%
2000 22.673.327 12.17%
2001 22.275.545 -1.79%
2002 20.201.747 -10.27%
2003 19.507.096 -3.56%
2004 20.747.691 5.98%
2005 22.923.517 9.49%
2006 26.597.488 13.81%
2007 27.712.892 4.02%
2008 26.701.034 -3.79%
2009 21.667.251 -23.23%
2010 19.264.140 -12.47%
2011 16.542.950 -16.45%
2012 15.369.812 -7.63%
2013 14.140.973 -8.69%
2014 13.486.538 -4.85%
2015 14.185.021 4.92%
2016 12.426.460 -14.15%
2017 12.120.059 -2.53%
2018 12.896.181 6.02%
2019 8.168.000 -57.89%
2020 9.804.000 16.69%
2021 10.098.000 2.91%
2022 17.568.000 42.52%
2023 5.816.000 -202.06%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Citizens Holding Company Gross Profit
Year Gross Profit Growth
1998 4.167.116
1999 17.623.617 76.35%
2000 17.859.000 1.32%
2001 19.700.453 9.35%
2002 24.885.349 20.84%
2003 26.860.185 7.35%
2004 28.009.373 4.1%
2005 28.933.347 3.19%
2006 29.493.210 1.9%
2007 29.115.747 -1.3%
2008 33.645.818 13.46%
2009 37.611.071 10.54%
2010 36.820.522 -2.15%
2011 37.773.955 2.52%
2012 34.886.035 -8.28%
2013 34.466.802 -1.22%
2014 35.573.120 3.11%
2015 35.672.314 0.28%
2016 34.004.143 -4.91%
2017 34.573.583 1.65%
2018 34.741.279 0.48%
2019 35.387.000 1.82%
2020 43.594.000 18.83%
2021 45.682.000 4.57%
2022 44.967.000 -1.59%
2023 42.484.000 -5.84%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Citizens Holding Company Net Profit
Year Net Profit Growth
1998 4.712.436
1999 5.621.356 16.17%
2000 5.534.365 -1.57%
2001 5.710.898 3.09%
2002 6.297.500 9.31%
2003 6.970.929 9.66%
2004 7.546.085 7.62%
2005 7.966.132 5.27%
2006 8.394.524 5.1%
2007 6.914.234 -21.41%
2008 8.273.767 16.43%
2009 7.139 -115795.32%
2010 7.163.000 99.9%
2011 7.218.000 0.76%
2012 6.784.000 -6.4%
2013 7.150.000 5.12%
2014 7.450.000 4.03%
2015 7.589.000 1.83%
2016 6.737.000 -12.65%
2017 3.703.000 -81.93%
2018 6.672.000 44.5%
2019 5.902.000 -13.05%
2020 6.931.000 14.85%
2021 7.494.000 7.51%
2022 9.620.000 22.1%
2023 4.828.000 -99.25%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Citizens Holding Company Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 1
1999 1 100%
2000 1 0%
2001 1 0%
2002 1 100%
2003 1 0%
2004 2 0%
2005 2 0%
2006 2 0%
2007 1 0%
2008 2 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 2 0%
2015 2 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 0%
2022 2 0%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Citizens Holding Company Free Cashflow
Year Free Cashflow Growth
1998 4.149.716
1999 5.823.841 28.75%
2000 5.242.344 -11.09%
2001 5.220.176 -0.42%
2002 4.424.516 -17.98%
2003 7.948.222 44.33%
2004 11.449.890 30.58%
2005 12.154.881 5.8%
2006 10.418.116 -16.67%
2007 6.423.459 -62.19%
2008 5.980.934 -7.4%
2009 7.502.025 20.28%
2010 13.787.732 45.59%
2011 11.079.818 -24.44%
2012 10.791.372 -2.67%
2013 10.872.213 0.74%
2014 7.882.929 -37.92%
2015 9.946.349 20.75%
2016 9.090.006 -9.42%
2017 7.708.804 -17.92%
2018 11.825.417 34.81%
2019 10.905.000 -8.44%
2020 12.024.000 9.31%
2021 14.892.000 19.26%
2022 11.118.000 -33.94%
2023 7.432.000 -49.6%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Citizens Holding Company Operating Cashflow
Year Operating Cashflow Growth
1998 4.782.588
1999 6.327.943 24.42%
2000 5.670.159 -11.6%
2001 6.547.984 13.41%
2002 7.882.900 16.93%
2003 9.567.898 17.61%
2004 12.279.777 22.08%
2005 13.301.203 7.68%
2006 13.580.697 2.06%
2007 9.674.177 -40.38%
2008 10.180.894 4.98%
2009 9.820.565 -3.67%
2010 17.523.259 43.96%
2011 11.788.040 -48.65%
2012 11.087.250 -6.32%
2013 11.210.828 1.1%
2014 9.690.398 -15.69%
2015 10.402.017 6.84%
2016 10.078.913 -3.21%
2017 10.619.652 5.09%
2018 12.171.803 12.75%
2019 11.947.000 -1.88%
2020 14.043.000 14.93%
2021 17.491.000 19.71%
2022 13.760.000 -27.11%
2023 7.432.000 -85.15%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Citizens Holding Company Capital Expenditure
Year Capital Expenditure Growth
1998 632.872
1999 504.102 -25.54%
2000 427.815 -17.83%
2001 1.327.808 67.78%
2002 3.458.384 61.61%
2003 1.619.676 -113.52%
2004 829.887 -95.17%
2005 1.146.322 27.6%
2006 3.162.581 63.75%
2007 3.250.718 2.71%
2008 4.199.960 22.6%
2009 2.318.540 -81.15%
2010 3.735.527 37.93%
2011 708.222 -427.45%
2012 295.878 -139.36%
2013 338.615 12.62%
2014 1.807.469 81.27%
2015 455.668 -296.66%
2016 988.907 53.92%
2017 2.910.848 66.03%
2018 346.386 -740.35%
2019 1.042.000 66.76%
2020 2.019.000 48.39%
2021 2.599.000 22.32%
2022 2.642.000 1.63%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Citizens Holding Company Equity
Year Equity Growth
1998 36.654.938
1999 37.545.961 2.37%
2000 43.376.961 13.44%
2001 47.181.568 8.06%
2002 53.782.559 12.27%
2003 56.502.076 4.81%
2004 60.191.225 6.13%
2005 63.774.105 5.62%
2006 69.665.273 8.46%
2007 68.191.432 -2.16%
2008 71.399.638 4.49%
2009 74.597.464 4.29%
2010 76.295.000 2.22%
2011 86.079.000 11.37%
2012 88.869.000 3.14%
2013 66.266.000 -34.11%
2014 81.858.000 19.05%
2015 86.425.000 5.28%
2016 85.059.000 -1.61%
2017 88.451.000 3.83%
2018 83.866.000 -5.47%
2019 112.800.000 25.65%
2020 119.548.000 5.64%
2021 105.900.000 -12.89%
2022 39.025.000 -171.36%
2023 34.345.000 -13.63%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Citizens Holding Company Assets
Year Assets Growth
1998 334.231.809
1999 362.789.702 7.87%
2000 382.800.409 5.23%
2001 427.212.874 10.4%
2002 518.450.118 17.6%
2003 550.761.143 5.87%
2004 587.238.991 6.21%
2005 607.709.136 3.37%
2006 621.197.496 2.17%
2007 680.903.631 8.77%
2008 766.047.332 11.11%
2009 840.003.828 8.8%
2010 818.318.000 -2.65%
2011 853.945.000 4.17%
2012 880.840.000 3.05%
2013 873.069.000 -0.89%
2014 921.061.000 5.21%
2015 973.505.000 5.39%
2016 996.266.000 2.28%
2017 993.096.000 -0.32%
2018 958.630.000 -3.6%
2019 1.195.434.000 19.81%
2020 1.450.692.000 17.6%
2021 1.361.335.000 -6.56%
2022 1.324.003.000 -2.82%
2023 1.414.010.000 6.37%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Citizens Holding Company Liabilities
Year Liabilities Growth
1998 296.377.243
1999 323.983.092 8.52%
2000 337.971.457 4.14%
2001 378.819.107 10.78%
2002 463.291.599 18.23%
2003 492.875.716 6%
2004 525.581.331 6.22%
2005 542.577.201 3.13%
2006 550.050.154 1.36%
2007 612.712.199 10.23%
2008 694.647.694 11.8%
2009 765.406.364 9.24%
2010 742.023.000 -3.15%
2011 767.866.000 3.37%
2012 791.971.000 3.04%
2013 806.803.000 1.84%
2014 839.203.000 3.86%
2015 887.080.000 5.4%
2016 911.207.000 2.65%
2017 904.645.000 -0.73%
2018 874.764.000 -3.42%
2019 1.128.000 -77450%
2020 1.331.144.000 99.92%
2021 18.328.000 -7162.9%
2022 1.284.978.000 98.57%
2023 1.379.665.000 6.86%

Citizens Holding Company Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.43
Net Income per Share
0.91
Price to Earning Ratio
8.52x
Price To Sales Ratio
1.05x
POCF Ratio
3.51
PFCF Ratio
3.74
Price to Book Ratio
1.27
EV to Sales
1.14
EV Over EBITDA
4.15
EV to Operating CashFlow
3.83
EV to FreeCashFlow
4.08
Earnings Yield
0.12
FreeCashFlow Yield
0.27
Market Cap
0,04 Bil.
Enterprise Value
0,05 Bil.
Graham Number
11.21
Graham NetNet
-173.09

Income Statement Metrics

Net Income per Share
0.91
Income Quality
0.67
ROE
0.13
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.86
EBT Per Ebit
0.52
Ebit per Revenue
0.28
Effective Tax Rate
0.14

Margins

Sales, General, & Administrative to Revenue
0.45
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.28
Pretax Profit Margin
0.14
Net Profit Margin
0.12

Dividends

Dividend Yield
0.09
Dividend Yield %
9.27
Payout Ratio
0.7
Dividend Per Share
0.72

Operating Metrics

Operating Cashflow per Share
2.22
Free CashFlow per Share
2.08
Capex to Operating CashFlow
-0.06
Capex to Revenue
-0.02
Capex to Depreciation
0
Return on Invested Capital
0.19
Return on Tangible Assets
0
Days Sales Outstanding
41.29
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
8.84
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.14

Balance Sheet

Cash per Share
72,49
Book Value per Share
6,13
Tangible Book Value per Share
3.75
Shareholders Equity per Share
6.13
Interest Debt per Share
5.83
Debt to Equity
0.52
Debt to Assets
0.01
Net Debt to EBITDA
0.34
Current Ratio
22.83
Tangible Asset Value
0,02 Bil.
Net Current Asset Value
-0,97 Bil.
Invested Capital
0.52
Working Capital
0,39 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.41

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Citizens Holding Company Dividends
Year Dividends Growth
2000 0
2001 0 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Citizens Holding Company Profile

About Citizens Holding Company

Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various commercial and personal banking products and services. The company offers demand deposits, as well as savings and time deposit accounts. It also provides secured and unsecured loans; mortgage loans; single and multi-family housing, farm, residential and commercial construction, and commercial real estate loans; commercial, industrial, and agricultural production loans; and consumer loans, as well as issues letters of credit. In addition, the company offers personal and corporate trust services; credit life and title insurance; and internet and mobile banking services. It operates a principal office in downtown Philadelphia, Mississippi; and 28 additional branches in Neshoba, Newton, Leake, Lamar, Forrest, Scott, Attala, Lauderdale, Lafayette, Oktibbeha, Rankin, Madison, Harrison, Jackson, Winston, and Kemper counties, Mississippi. Citizens Holding Company was founded in 1908 and is headquartered in Philadelphia, Mississippi.

CEO
Mr. Stacy M. Brantley
Employee
271
Address
521 Main Street
Philadelphia, 39350

Citizens Holding Company Executives & BODs

Citizens Holding Company Executives & BODs
# Name Age
1 Mr. Mark D. Taylor
Secretary
70
2 Mr. Gregory E. Cronin
President of Gulf Coast & Director
70
3 Mr. Stacy M. Brantley
President, Chief Executive Officer & Director
70
4 Mr. Phillip R. Branch
Chief Financial Officer & Treasurer
70

Citizens Holding Company Competitors