Citizens Holding Company (CIZN) AI Stock Analysis

• Market Cap: $39.37M
• Dividend Yield: 5.27%
• Average Volume (3M): 5.59K
• Price to Earnings (P/E): 7.4
• Beta (1Y): 0.26
• Revenue Growth: 9.95%
• EPS Growth: 24.69%
• Country: US
• Employees: 246
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 0.33
• Shares Outstanding: 5,624,052
• 10 Day Avg. Volume: 2,725
• 30 Day Avg. Volume: 5,591
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 8.17
• Enterprise Value/Revenue: 8.39
• Enterprise Value/Gross Profit: 8.39
• Enterprise Value/Ebitda: 10.12
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 70 Outperform
• Price Target: ―

Citizens Holding Company scores a 70, reflecting a blend of moderate financial performance, favorable technical indicators, and attractive valuation. The primary concerns are declining profitability and revenue, balanced by a low debt profile and strong dividend yield. Technical analysis supports a positive outlook with upward momentum. Valuation metrics suggest the stock is fairly priced with a significant dividend yield to attract income-focused investors.

Citizens Holding Company Business Overview & Revenue Model

Company Description

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. It offers demand deposits; and savings and time deposit accounts. The company 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, it offers personal and corporate trust services; credit life and title insurance; and online and mobile banking services. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.

How the Company Makes Money

Citizens Holding Company makes money primarily through the interest income generated from its lending activities, including consumer, commercial, and real estate loans. It also earns revenue from non-interest income sources such as fees and service charges on deposit accounts, mortgage banking services, and other financial products. Additionally, the company benefits from investment securities and other banking-related operations. Key factors contributing to its earnings include the interest rate environment, loan demand, and economic conditions in its service areas.

Citizens Holding Company Financial Statement Overview

Summary

Citizens Holding Company faced challenges in 2023 with declining revenue, profitability, and free cash flow. Despite strong cash generation, reduced net income and equity utilization efficiency present potential risks. The company maintains a low debt profile, which provides stability amidst these challenges.

Income Statement

The company has experienced a decline in revenue from $44.97M in 2022 to $37.66M in 2023, indicating a revenue growth rate of -16.25%. The gross profit margin remained consistent at 100% due to the nature of the banking industry. However, the net profit margin decreased significantly from 21.39% in 2022 to 4.92% in 2023, reflecting reduced profitability. The absence of EBIT and EBITDA figures in 2023 limits further margin analysis.

Balance Sheet

Citizens Holding Company shows a strong equity base with an equity ratio of 3.04% in 2023, though it has decreased from 2.95% in 2022. The debt-to-equity ratio remains low at 0.42, indicating conservative leverage. The return on equity dropped from 24.65% in 2022 to 4.34% in 2023, pointing to decreased efficiency in utilizing shareholder equity.

Cash Flow

The company recorded a significant decline in free cash flow growth from $11.12M in 2022 to $4.81M in 2023, a decrease of 56.77%. The operating cash flow to net income ratio increased to 2.98, suggesting strong cash generation relative to net income. However, the free cash flow to net income ratio decreased to 2.59, indicating reduced cash flow available for expansion and dividends.

Breakdown	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement
Total Revenue	37.66M	44.97M	45.68M	43.59M	35.39M
Gross Profit	37.66M	44.97M	45.68M	43.59M	35.39M
EBITDA	0.00	0.00	0.00	0.00	0.00
Net Income	1.85M	9.62M	7.49M	6.93M	5.90M
Balance Sheet
Total Assets	1.40B	1.32B	1.36B	1.45B	1.20B
Cash, Cash Equivalents and Short-Term Investments	272.27M	229.92M	711.07M	721.06M	538.88M
Total Debt	18.00M	18.00M	18.00M	25.00M	0.00
Total Liabilities	1.36B	1.28B	18.33M	1.33B	1.13M
Stockholders Equity	42.77M	39.02M	105.90M	119.55M	112.80M
Cash Flow
Free Cash Flow	4.80M	11.12M	14.89M	12.02M	10.90M
Operating Cash Flow	5.52M	13.76M	17.49M	14.04M	11.95M
Investing Cash Flow	-9.79M	-88.35M	98.62M	-254.92M	-73.66M
Financing Cash Flow	70.14M	23.95M	-79.18M	241.78M	65.06M

Citizens Holding Company Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 6.70
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CIZN, the sentiment is Negative. The current price of 6.7 is below the 20-day moving average (MA) of 7.21, below the 50-day MA of 7.68, and below the 200-day MA of 8.59, indicating a bearish trend. The MACD of -0.19 indicates Positive momentum. The RSI at 23.88 is Positive, neither overbought nor oversold. The STOCH value of 1.39 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CIZN.

Citizens Holding Company Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	77 Outperform	$49.82M	3.29	14.85%	―	25.77%	12.09%
CIZN	70 Outperform	$39.37M	7.38	10.92%	5.27%	9.95%	24.69%
ASRV	69 Neutral	$50.05M	13.53	3.45%	3.96%	6.06%	―
HFBL	69 Neutral	$41.36M	10.51	7.20%	3.89%	-2.93%	7.89%
Sector *	68 Neutral	$17.88B	11.66	10.24%	3.76%	9.66%	1.70%
PBBK	―	$50.71M	21.24	4.53%	―	―	―
CLST	57 Neutral	$53.56M	22.98	2.69%	―	107.33%	―