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Citizens Holding OTCPK:CIZN Stock Report

Last Price

US$9.50

Market Cap

US$50.2m

7D

6.5%

1Y

23.4%

Updated

24 Dec, 2024

Data

Company Financials

Citizens Holding Company

OTCPK:CIZN Stock Report

Market Cap: US$50.2m

CIZN Stock Overview

Operates as the bank holding company for The Citizens Bank of Philadelphia that provides various commercial and personal banking products and services. More details

CIZN fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance1/6
Financial Health5/6
Dividends2/6

Rewards

Trading at 31% below our estimate of its fair value

Risk Analysis

Earnings have declined by 6.7% per year over past 5 years

Does not have a meaningful market cap ($50M)

Dividend of 6.74% is either not well covered by earnings currently or not forecast to be covered

Profit margins (7.9%) are lower than last year (12.4%)


My Notes

Capture your thoughts, links and company narrative

Citizens Holding Company Competitors

Citizens Bancorp

OTCPK:CZBC

US$55.9m

Ledyard Financial Group

OTCPK:LFGP

US$52.7m

Uwharrie Capital

OTCPK:UWHR

US$58.8m

Community Bancshares (McArthur OH)

OTCPK:CNUN

US$52.3m

Price History & Performance

Summary of share price highs, lows and changes for Citizens Holding
Historical stock prices
Current Share PriceUS$9.50
52 Week HighUS$9.74
52 Week LowUS$7.53
Beta0.0033
1 Month Change5.56%
3 Month Change8.57%
1 Year Change23.38%
3 Year Change-46.81%
5 Year Change-56.58%
Change since IPO-42.86%

Recent News & Updates

Recent updates

Citizens Holding (NASDAQ:CIZN) Will Pay A Smaller Dividend Than Last Year

Jun 08
Citizens Holding (NASDAQ:CIZN) Will Pay A Smaller Dividend Than Last Year

Citizens Holding (NASDAQ:CIZN) Is Paying Out A Dividend Of $0.24

Mar 10
Citizens Holding (NASDAQ:CIZN) Is Paying Out A Dividend Of $0.24

Citizens Holding declares $0.24 dividend

Aug 25

Citizens Holding GAAP EPS of $0.45, revenue of $11.53M

Jul 26

Citizens Holding (NASDAQ:CIZN) Has Re-Affirmed Its Dividend Of US$0.24

Dec 05
Citizens Holding (NASDAQ:CIZN) Has Re-Affirmed Its Dividend Of US$0.24

Citizens Holding (NASDAQ:CIZN) Has Affirmed Its Dividend Of US$0.24

Jun 14
Citizens Holding (NASDAQ:CIZN) Has Affirmed Its Dividend Of US$0.24

We think Citizens Holding Company's (NASDAQ:CIZN) CEO May Struggle To See Much Of A Pay Rise This Year

Apr 21
We think Citizens Holding Company's (NASDAQ:CIZN) CEO May Struggle To See Much Of A Pay Rise This Year

Do Citizens Holding's (NASDAQ:CIZN) Earnings Warrant Your Attention?

Apr 18
Do Citizens Holding's (NASDAQ:CIZN) Earnings Warrant Your Attention?

Don't Buy Citizens Holding Company (NASDAQ:CIZN) For Its Next Dividend Without Doing These Checks

Mar 11
Don't Buy Citizens Holding Company (NASDAQ:CIZN) For Its Next Dividend Without Doing These Checks

Should Citizens Holding Company (NASDAQ:CIZN) Be Part Of Your Dividend Portfolio?

Feb 01
Should Citizens Holding Company (NASDAQ:CIZN) Be Part Of Your Dividend Portfolio?

We Wouldn't Be Too Quick To Buy Citizens Holding Company (NASDAQ:CIZN) Before It Goes Ex-Dividend

Dec 11
We Wouldn't Be Too Quick To Buy Citizens Holding Company (NASDAQ:CIZN) Before It Goes Ex-Dividend

Citizens Holding declares $0.24 dividend

Nov 28

Citizens Holding's (NASDAQ:CIZN) Stock Price Has Reduced 15% In The Past Three Years

Nov 24
Citizens Holding's (NASDAQ:CIZN) Stock Price Has Reduced 15% In The Past Three Years

Shareholder Returns

CIZNUS BanksUS Market
7D6.5%-1.1%-0.4%
1Y23.4%29.5%24.8%

Return vs Industry: CIZN underperformed the US Banks industry which returned 29.3% over the past year.

Return vs Market: CIZN matched the US Market which returned 23.9% over the past year.

Price Volatility

Is CIZN's price volatile compared to industry and market?
CIZN volatility
CIZN Average Weekly Movement6.5%
Banks Industry Average Movement5.2%
Market Average Movement6.3%
10% most volatile stocks in US Market17.0%
10% least volatile stocks in US Market3.1%

Stable Share Price: CIZN has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CIZN's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1908246Stacy Brantleywww.thecitizensbankphila.com

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.

Citizens Holding Company Fundamentals Summary

How do Citizens Holding's earnings and revenue compare to its market cap?
CIZN fundamental statistics
Market capUS$50.17m
Earnings (TTM)US$3.38m
Revenue (TTM)US$42.54m

15.8x

P/E Ratio

1.1x

P/B Ratio

Is CIZN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CIZN income statement (TTM)
RevenueUS$42.54m
Cost of RevenueUS$0
Gross ProfitUS$42.54m
Other ExpensesUS$39.16m
EarningsUS$3.38m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)0.60
Gross Margin100.00%
Net Profit Margin7.95%
Debt/Equity Ratio606.4%

How did CIZN perform over the long term?

See historical performance and comparison

Dividends

6.7%

Current Dividend Yield

106%

Payout Ratio

Does CIZN pay a reliable dividends?

See CIZN dividend history and benchmarks
When do you need to buy CIZN by to receive an upcoming dividend?
Citizens Holding dividend dates
Ex Dividend DateDec 16 2024
Dividend Pay DateDec 31 2024
Days until Ex dividend9 days
Days until Dividend pay date6 days

Does CIZN pay a reliable dividends?

See CIZN dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/24 05:07
End of Day Share Price 2024/12/24 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Citizens Holding Company is covered by 2 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Christopher McGrattyKeefe, Bruyette, & Woods
Catherine Summerson MealorKeefe, Bruyette, & Woods