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Citizens Holding Company (CIZN)

Stock Price: $21.80 USD 0.24 (1.11%)
Updated Aug 3, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 121.86M
Revenue (ttm) 38.39M
Net Income (ttm) 5.84M
Shares Out 5.59M
EPS (ttm) 1.10
PE Ratio 19.82
Forward PE n/a
Dividend $0.96
Dividend Yield 4.40%

Stock Quote

Trading Day Aug 3, 2020
Last Price $21.80
Previous Close $21.56
Change ($) 0.24
Change (%) 1.11%
Day's Open 21.59
Day's Range 20.01 - 22.00
Day's Volume 4,373
52-Week Range 16.02 - 27.94

More Stats

Market Cap 121.86M
Enterprise Value 199.79M
Earnings Date (est) n/a
Ex-Dividend Date Jun 15, 2020
Shares Outstanding 5.59M
Float 4.80M
EPS (basic) 1.13
EPS (diluted) 1.10
FCF / Share 2.02
Dividend $0.96
Dividend Yield 4.40%
Earnings Yield 5.05%
FCF Yield 9.23%
Payout Ratio 85.00%
Shares Short 122,120
Short Ratio 2.56
Short % of Float 2.05%
Beta 0.10
PE Ratio 19.82
Forward PE n/a
P/FCF Ratio 10.84
PS Ratio 3.17
PB Ratio 1.04
Revenue 38.39M
Operating Income 7.22M
Net Income 5.84M
Free Cash Flow 11.24M
Net Cash -77.92M
Net Cash / Share -13.94
Gross Margin 90.69%
Operating Margin 18.81%
Profit Margin 16.10%
FCF Margin 29.29%
ROA 0.51%
ROE 5.57%
ROIC 0.60%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$24.00*
Low
24.0
Current: $21.80
High
24.0
Target: 24.00
*Average 12-month price target from 1 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue34.8135.1736.0034.8335.6635.6033.6534.5334.7834.36
Revenue Growth-1%-2.32%3.37%-2.33%0.16%5.81%-2.57%-0.7%1.2%-
Gross Profit34.8135.1736.0034.8335.6635.6033.6534.5334.7834.36
Operating Income7.267.507.788.3510.079.288.928.438.539.24
Net Income5.906.673.706.747.597.457.156.787.227.16
Shares Outstanding5.064.894.884.874.874.874.874.864.844.84
Earnings Per Share1.171.360.761.381.561.531.471.391.491.48
EPS Growth-13.97%78.95%-44.93%-11.54%1.96%4.08%5.76%-6.71%0.68%-
Dividend Per Share0.960.960.960.960.930.890.880.880.880.85
Dividend Growth0%0%0%3.23%4.49%1.14%0%0%3.53%-
Operating Cash Flow11.9512.1710.6210.0810.409.6911.2111.0911.7917.52
Capital Expenditures-1.04-0.08-2.91-0.99-0.46-1.81-0.34-0.30-0.71-3.74
Free Cash Flow10.9112.097.719.099.957.8810.8710.7911.0813.79
Cash & Equivalents76.0920.6719.5070.2957.2283.8916.7237.7939.4018.12
Total Debt170108174170124134143142189197
Net Cash / Debt-94.32-87.29-155-99.99-67.08-50.54-127-104-149-179
Assets1,1959599931,025974921873881854818
Liabilities1,083875905940887839807792768742
Book Value11383.8788.4585.0686.4381.8666.2788.8786.0876.30
Numbers in millions USD, except per-share numbers.

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 23 branches in Neshoba, Newton, Leake, Lamar, Forrest, Scott, Attala, Lauderdale, 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.