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CIZN 
Citizens Holding Company (CIZN)
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Upturn Advisory Summary
11/05/2025: 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 11/05/2025 |
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 1923 and headquartered in Philadelphia, Mississippi. It operates as the bank holding company for The Citizens Bank, providing various commercial and personal banking products and services.
Core Business Areas
- Commercial Banking: Offers loan products, deposit accounts, and other financial services to businesses.
- Personal Banking: Provides deposit accounts, loans, and other financial services to individuals.
Leadership and Structure
The company is led by a board of directors and executive management team. The Citizens Bank operates as a subsidiary of Citizens Holding Company.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes such as working capital, equipment purchases, and real estate development. Market share data is not readily available. Competitors include other regional and national banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not readily available. Competitors include other regional and national banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic conditions.
Positioning
Citizens Holding Company is a community bank focused on serving the needs of its local market. It differentiates itself through personalized service and local knowledge.
Total Addressable Market (TAM)
The TAM for community banking is large and fragmented. Citizens Holding Company focuses on capturing market share within its geographic region.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Community focus
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on local economy
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in local economy
Threats
- Competition from larger banks
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BOKF (BOKF)
- CMA (Cullen/Frost Bankers, Inc.)
- FCNCA (First Citizens BancShares Inc.)
Competitive Landscape
Citizens Holding Company faces competition from larger national and regional banks, as well as other community banks. Its advantages include its local presence and personalized service, while its disadvantages include its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to historical financial data sources.
Future Projections: Future growth projections require access to analyst estimates.
Recent Initiatives: Recent strategic initiatives require access to company press releases and investor presentations.
Summary
Citizens Holding Company is a small community bank that focuses on local markets. Its strengths include personalized service and established customer relationships. Its weaknesses include its small scale and limited geographic reach. Citizens Holding Company should focus on strategic initiatives and expansion to improve its overall growth and valuation.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Financial news sources
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available resources and may not be precise.
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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