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Upturn AI SWOT - About
CIZN 
Citizens Holding Company (CIZN)
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Upturn Advisory Summary
09/11/2025: 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 09/11/2025 |
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 1920 in Philadelphia, Mississippi. It began as a small community bank and has grown through organic expansion and acquisitions, evolving into a holding company for Citizens Bank and other financial services.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
Leadership and Structure
Citizens Holding Company is led by a board of directors and an executive management team. The organizational structure is typical of a bank holding company, with Citizens Bank operating as its primary subsidiary.
Top Products and Market Share
Key Offerings
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share data specific to Citizens Holding Company is not publicly available. Competitors include larger regional and national banks like Hancock Whitney (HWC) and BancorpSouth Bank (BXS).
- Loan Products: Provides commercial loans, consumer loans, and mortgage loans. Market share data specific to Citizens Holding Company is not publicly available. Competitors include regional and national lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate fluctuations, regulatory changes, and increased competition from fintech companies. Community banks are focusing on relationship banking and local market expertise to differentiate themselves.
Positioning
Citizens Holding Company is positioned as a community bank focusing on serving the financial needs of individuals and businesses in its local market. Its competitive advantage lies in its personalized service and local knowledge.
Total Addressable Market (TAM)
TAM is the overall Mississippi banking market. Citizens Holding Company is a small player, so has a small percentage of the TAM.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Community bank model
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Limited resources for technological innovation
Opportunities
- Expanding into adjacent markets
- Leveraging technology to improve efficiency
- Increasing focus on wealth management services
- Acquiring smaller community banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in local market
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- HWC
- BXS
- CADE
Competitive Landscape
Citizens Holding Company faces intense competition from larger regional and national banks. Its ability to compete effectively depends on its ability to provide personalized service and maintain strong customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Discuss Citizens Holding Company's growth trends over the past years.
Future Projections: Provide projections for Citizens Holding Company's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Citizens Holding Company.
Summary
Citizens Holding Company is a small community bank holding company with a strong local presence but faces competition from larger players. Its personalized service and community focus are strengths, but its limited geographic reach and scale are weaknesses. Future growth depends on its ability to expand into new markets and leverage technology.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data may not be accurate or up to date.
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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