Citizens Holding Company (CIZN) AI Stock Analysis

• Market Cap: $37.30M
• Dividend Yield: 5.03%
• Average Volume (3M): 10.26K
• Price to Earnings (P/E): 5.1
• Beta (1Y): 0.28
• Revenue Growth: 9.63%
• EPS Growth: 117.64%
• Country: US
• Employees: 246
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.42
• Shares Outstanding: 5,624,052
• 10 Day Avg. Volume: 4,211
• 30 Day Avg. Volume: 10,261
• PEG Ratio: 0.05
• Price to Book (P/B): 1.06
• Price to Sales (P/S): 0.69
• P/FCF Ratio: 8.07
• Enterprise Value/Market Cap: 8.63
• Enterprise Value/Revenue: 5.72
• Enterprise Value/Gross Profit: 8.88
• Enterprise Value/Ebitda: 180.77
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• 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.

Positive Factors

Low Debt Profile

A low debt profile enhances financial stability, providing the company with flexibility to navigate economic fluctuations and invest in growth opportunities without the burden of high interest obligations.

Strong Cash Generation

Strong cash generation relative to net income indicates effective operational management, allowing the company to fund operations, pay dividends, and invest in future growth without relying heavily on external financing.

Stable Gross Profit Margin

A stable gross profit margin reflects the company's ability to maintain its core banking operations efficiently, ensuring consistent profitability from its primary business activities despite revenue fluctuations.

Negative Factors

Declining Revenue

Declining revenue suggests challenges in maintaining market share or demand for services, which could impact long-term growth prospects and necessitate strategic adjustments to reverse the trend.

Decreased Net Profit Margin

A significant drop in net profit margin indicates reduced profitability, which can strain financial resources and limit the company's ability to invest in growth or return value to shareholders.

Decline in Free Cash Flow

A decline in free cash flow limits the company's ability to fund new projects, pay dividends, or reduce debt, potentially impacting its financial flexibility and growth initiatives.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	56.29M	73.95M	57.07M	49.76M	49.88M	50.17M
Gross Profit	36.22M	0.00	36.99M	44.84M	43.45M	41.26M
EBITDA	1.78M	2.37M	3.22M	12.78M	10.10M	9.80M
Net Income	1.85M	5.49M	1.85M	9.62M	7.49M	6.93M
Balance Sheet
Total Assets	1.40B	1.47B	1.40B	1.32B	1.36B	1.45B
Cash, Cash Equivalents and Short-Term Investments	272.27M	0.00	272.27M	229.92M	711.07M	721.06M
Total Debt	176.09M	335.64M	176.09M	145.57M	130.76M	246.27M
Total Liabilities	1.36B	1.42B	1.36B	1.28B	1.26B	1.33B
Stockholders Equity	42.77M	48.09M	42.77M	39.02M	105.90M	119.55M
Cash Flow
Free Cash Flow	4.80M	6.30M	4.80M	11.12M	14.89M	12.02M
Operating Cash Flow	5.52M	6.75M	5.52M	13.76M	17.49M	14.04M
Investing Cash Flow	-9.79M	-107.28M	-9.79M	-88.35M	98.62M	-254.92M
Financing Cash Flow	70.14M	48.33M	70.14M	23.95M	-79.18M	241.78M

Citizens Holding Company Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 7.15
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CIZN, the sentiment is Positive. The current price of 7.15 is above the 20-day moving average (MA) of 6.77, above the 50-day MA of 6.68, and below the 200-day MA of 7.82, indicating a neutral trend. The MACD of 0.10 indicates Negative momentum. The RSI at 67.84 is Neutral, neither overbought nor oversold. The STOCH value of 92.50 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CIZN.

Citizens Holding Company Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	78 Outperform	$48.61M	10.75	8.21%	3.42%	0.32%	37.93%
OPHC	72 Outperform	$47.30M	3.13	15.03%	―	14.91%	0.81%
CIZN	70 Outperform	$37.30M	5.06	10.92%	5.03%	9.63%	117.64%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BAFN	54 Neutral	$35.76M	-2.78	-11.14%	4.04%	1.63%	-508.72%
KFFB	52 Neutral	$32.23M	178.70	1.11%	―	15.56%	―