Citizens Holding Company (CIZN)
Stock Price Chart
Key Info
| Market Cap | 120.39M |
| Revenue (ttm) | 38.39M |
| Net Income (ttm) | 5.93M |
| Shares Out | 5.59M |
| EPS (ttm) | 1.10 |
| PE Ratio | 19.59 |
| Forward PE | n/a |
| Dividend | $0.96 |
| Dividend Yield | 4.45% |
Stock Quote
| Trading Day | Oct 26, 2020 |
| Last Price | $21.55 |
| Previous Close | $21.40 |
| Change ($) | 0.15 |
| Change (%) | 0.70% |
| Day's Open | 21.56 |
| Day's Range | 20.42 - 21.99 |
| Day's Volume | 2,596 |
| 52-Week Range | 16.02 - 27.94 |
More Stats
| Market Cap | 120.39M |
| Enterprise Value | 252.98M |
| Earnings Date (est) | n/a |
| Ex-Dividend Date | Sep 15, 2020 |
| Shares Outstanding | 5.59M |
| Float | 4.64M |
| EPS (basic) | 1.11 |
| EPS (diluted) | 1.10 |
| FCF / Share | 2.20 |
| Dividend | $0.96 |
| Dividend Yield | 4.45% |
| Earnings Yield | 5.10% |
| FCF Yield | 10.24% |
| Payout Ratio | 86.50% |
| Shares Short | 63,155 |
| Short Ratio | 11.34 |
| Short % of Float | 1.36% |
| Beta | 0.04 |
| PE Ratio | 19.59 |
| Forward PE | n/a |
| P/FCF Ratio | 9.77 |
| PS Ratio | 3.14 |
| PB Ratio | 0.99 |
| Revenue | 38.39M |
| Operating Income | 7.38M |
| Net Income | 5.93M |
| Free Cash Flow | 12.32M |
| Net Cash | -132.59M |
| Net Cash / Share | -23.74 |
| Gross Margin | 90.69% |
| Operating Margin | 19.23% |
| Profit Margin | 15.40% |
| FCF Margin | 32.10% |
| ROA | 0.49% |
| ROE | 5.50% |
| ROIC | 0.60% |
Analyst Summary
Analyst Consensus: n/a
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 34.81 | 35.17 | 36.00 | 34.83 | 35.66 | 35.60 | 33.65 | 34.53 | 34.78 | 34.36 |
| Revenue Growth | -1% | -2.32% | 3.37% | -2.33% | 0.16% | 5.81% | -2.57% | -0.7% | 1.2% | - |
| Gross Profit | 34.81 | 35.17 | 36.00 | 34.83 | 35.66 | 35.60 | 33.65 | 34.53 | 34.78 | 34.36 |
| Operating Income | 7.26 | 7.50 | 7.78 | 8.35 | 10.07 | 9.28 | 8.92 | 8.43 | 8.53 | 9.24 |
| Net Income | 5.90 | 6.67 | 3.70 | 6.74 | 7.59 | 7.45 | 7.15 | 6.78 | 7.22 | 7.16 |
| Shares Outstanding | 5.06 | 4.89 | 4.88 | 4.87 | 4.87 | 4.87 | 4.87 | 4.86 | 4.84 | 4.84 |
| Earnings Per Share | 1.17 | 1.36 | 0.76 | 1.38 | 1.56 | 1.53 | 1.47 | 1.39 | 1.49 | 1.48 |
| EPS Growth | -13.97% | 78.95% | -44.93% | -11.54% | 1.96% | 4.08% | 5.76% | -6.71% | 0.68% | - |
| Dividend Per Share | 0.96 | 0.96 | 0.96 | 0.96 | 0.93 | 0.23 | 0.66 | 0.66 | 0.44 | 0.85 |
| Dividend Growth | 0% | 0% | 0% | 3.23% | 304.35% | -65.15% | 0% | 50% | -48.24% | - |
| Operating Cash Flow | 11.95 | 12.17 | 10.62 | 10.08 | 10.40 | 9.69 | 11.21 | 11.09 | 11.79 | 17.52 |
| Capital Expenditures | -1.04 | -0.08 | -2.91 | -0.99 | -0.46 | -1.81 | -0.34 | -0.30 | -0.71 | -3.74 |
| Free Cash Flow | 10.91 | 12.09 | 7.71 | 9.09 | 9.95 | 7.88 | 10.87 | 10.79 | 11.08 | 13.79 |
| Cash & Equivalents | 76.09 | 20.67 | 19.50 | 70.29 | 57.22 | 83.89 | 16.72 | 37.79 | 39.40 | 18.12 |
| Total Debt | 170 | 108 | 174 | 170 | 124 | 134 | 143 | 142 | 189 | 197 |
| Net Cash / Debt | -94.32 | -87.29 | -155 | -99.99 | -67.08 | -50.54 | -127 | -104 | -149 | -179 |
| Assets | 1,195 | 959 | 993 | 1,025 | 974 | 921 | 873 | 881 | 854 | 818 |
| Liabilities | 1,083 | 875 | 905 | 940 | 887 | 839 | 807 | 792 | 768 | 742 |
| Book Value | 113 | 83.87 | 88.45 | 85.06 | 86.43 | 81.86 | 66.27 | 88.87 | 86.08 | 76.30 |
Company Profile
Company Details
| Full Name | Citizens Holding Company |
| Country | United States |
| Employees | 264 |
| CEO | Gregory Lyle McKee |
Stock Information
| Ticker Symbol | CIZN |
| Stock Exchange | NASDAQ |
| Sector | Financial Services |
| Industry | Banks—Regional |
| Unique Identifier | NASDAQ: CIZN |
| IPO Date | October 19, 1999 |
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. The company offers demand deposits, as well as savings and time deposit accounts. It also provides secured and unsecured loans; mortgage loans; installment loans; credit card 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 online banking services. It operates 28 branches in Neshoba, Newton, Leake, Lamar, Forrest, Scott, Attala, Lauderdale, Lafayette, Oktibbeha, Rankin, Harrison, Jackson, Winston, and Kemper counties, Mississippi; and a loan production office in north Mississippi. Citizens Holding Company was founded in 1908 and is headquartered in Philadelphia, Mississippi.