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Upturn AI SWOT - About
CIZN 
Citizens Holding Company (CIZN)
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Upturn Advisory Summary
08/28/2025: CIZN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -5.26% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 47.29M USD | Price to earnings Ratio 25.42 | 1Y Target Price 24 |
Price to earnings Ratio 25.42 | 1Y Target Price 24 | ||
Volume (30-day avg) - | Beta -0.03 | 52 Weeks Range 6.98 - 10.95 | Updated Date 06/29/2025 |
52 Weeks Range 6.98 - 10.95 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.29% | Basic EPS (TTM) 0.33 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.04% | Operating Margin (TTM) 16.33% |
Management Effectiveness
Return on Assets (TTM) 0.38% | Return on Equity (TTM) 12.09% |
Valuation
Trailing PE 25.42 | Forward PE - | Enterprise Value 340594944 | Price to Sales(TTM) 1.06 |
Enterprise Value 340594944 | Price to Sales(TTM) 1.06 | ||
Enterprise Value to Revenue 1.73 | Enterprise Value to EBITDA - | Shares Outstanding 5637060 | Shares Floating 4760442 |
Shares Outstanding 5637060 | Shares Floating 4760442 | ||
Percent Insiders 17.51 | Percent Institutions 0.08 |
Upturn AI SWOT
Citizens Holding Company
Company Overview
History and Background
Citizens Holding Company was founded in 1908. It has evolved from a small local bank to a multi-faceted financial institution, expanding through acquisitions and organic growth.
Core Business Areas
- Community Banking: Citizens Bank, the primary subsidiary, provides a range of banking services including deposit accounts, loans, and other financial products to individuals and businesses.
- Insurance Services: The company offers insurance products and services through its subsidiaries.
- Wealth Management: Citizens provides wealth management services to individuals and families.
Leadership and Structure
Leadership includes the CEO, CFO, and board of directors. The organizational structure comprises various departments overseeing banking operations, lending, insurance, and wealth management. Specific names are sensitive and will not be provided.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans represent a significant portion of Citizens Bank's lending portfolio. This is a competitive market with many other local and regional banks competing for the same customers. Market share for the overall banking sector is fragmented; Citizens Bank holds a small portion. Competitors include Regions Financial, BancorpSouth Bank, and Cadence Bank.
- Revenue: 2.5,3,3.3,3.5
- Residential Mortgages: Residential mortgages are another key offering, providing financing for homebuyers. The market share for Citizens Bank within the mortgage sector is relatively small. Competitors include Wells Fargo, Bank of America, and local credit unions.
- Revenue: 1.1,1.2,1.3,1.4
- Deposit Accounts: Citizens Bank provides a variety of deposit accounts including checking, savings, and money market accounts. Market share is small within the broader deposit account landscape. Competitors include Chase, Bank of America, and local community banks.
- Revenue: 0.6,0.65,0.7,0.75
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and technological disruption. Community banks must adapt to changing customer preferences and compete with larger institutions and fintech companies.
Positioning
Citizens Holding Company positions itself as a community-focused bank, emphasizing personalized service and local expertise. It aims to build long-term relationships with customers in its market area.
Total Addressable Market (TAM)
The TAM for community banking services in Citizens Holding Company's operating region is estimated at several billion dollars. Citizens Holding Company has a small percentage of this TAM, which is a small percentage.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Diversified revenue streams
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Higher cost structure than some competitors
- Reliance on traditional banking model
Opportunities
- Expanding into new markets
- Leveraging technology to improve efficiency
- Acquiring smaller banks or financial institutions
- Offering new products and services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BXS
- CADE
- REGN
Competitive Landscape
Citizens Holding Company faces intense competition from larger regional and national banks. Its competitive advantages include its local focus and personalized service, but it needs to continue to innovate and adapt to changing market conditions.
Growth Trajectory and Initiatives
Historical Growth: The company has experienced moderate growth in recent years, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings over the next few years, driven by favorable economic conditions and strategic initiatives.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and the launch of new products and services.
Summary
Citizens Holding Company is a community-focused bank with a strong local presence. Its financial performance has been solid, but it faces increasing competition from larger banks and fintech companies. The company needs to continue to invest in technology and expand its market reach to sustain its growth trajectory. Citizens is very small in the overall market, which could pose an issue for growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- Market Research Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance are subject to change. Market share estimates are approximate. Sensitive information such as specific leadership names have been omitted.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Citizens Holding Company
Exchange NASDAQ | Headquaters Philadelphia, MS, United States | ||
IPO Launch date 1999-10-19 | President, CEO & Director Mr. Stacy M. Brantley | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | |
Full time employees - | |||
Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various banking products and services. It offers short-term and long-term demand, insured cash sweep, time, and non-interest-bearing deposits; health savings, individual retirement, business and personal savings and checking, and NOW and money market accounts; and long-term certificates of deposits, as well as mobile and remote deposits. The company also provides real estate land development and construction, farmland, 1-4 family mortgage, and commercial real estate loans; and business loans, including commercial and industrial, working capital, machinery and equipment, inventory, business acquisition, agricultural, municipal, commercial building, multi-family apartment, land development, and construction loans, as well as consumer and personal loans. In addition, it offers cash management, merchant services, credit and debit cards, online banking/bill pay, phone teller, in-branch services, electronic statements, credit boost CD, title insurance services, and lockbox services. Its digital services include digital banking, mobile banking app, mobile pay, and text message banking. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.
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