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Upturn AI SWOT - About
CIZN 
Citizens Holding Company (CIZN)
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Upturn Advisory Summary
07/09/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early 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 07/09/2025 |
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 is headquartered in Philadelphia, Mississippi. It operates as the holding company for The Citizens Bank, providing various financial services.
Core Business Areas
- Community Banking: Offers traditional banking products and services, including deposit accounts, loans, and other financial services to individuals and businesses.
Leadership and Structure
Citizens Holding Company is led by a board of directors and executive management team. Its organizational structure is typical of a bank holding company, with The Citizens Bank as its primary operating subsidiary.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes. Market share data is not publicly available. Competitors include regional and national banks.
- Deposit Accounts: Includes checking, savings, and money market accounts. Market share data is not publicly available. Competitors include regional and national banks like BancorpSouth Bank and Renasant Bank.
- Residential Mortgages: Offers mortgage loans to individuals for home purchases. Market share data is not publicly available. Competitors include mortgage lenders and other banks.
- Consumer Loans: Offers loans to individuals for auto, personal, or home improvement. Market share data is not publicly available. Competitors include mortgage lenders and other banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes. Community banks face challenges from larger institutions and fintech companies.
Positioning
Citizens Holding Company operates as a community bank, focusing on local relationships and personalized service. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for community banking is significant, but Citizens Holding Company's portion is tied to its regional footprint. It is positioned to serve its local community effectively.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on local economy
- Limited technology infrastructure investment
Opportunities
- Expansion into adjacent markets
- Increased digital banking adoption
- Strategic acquisitions
- Growing demand for community banking services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BancorpSouth Bank (BXS)
- Renasant Corporation (RNST)
- Trustmark Corporation (TRMK)
Competitive Landscape
Citizens Holding Company competes with larger regional banks and other community banks. Its advantages include local relationships and personalized service, while its disadvantages include limited scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Citizens Holding Company's growth has been primarily driven by organic expansion and strategic initiatives.
Future Projections: Future growth projections would require analyst estimates and company guidance.
Recent Initiatives: Information on recent strategic initiatives needs to be sourced from company press releases and investor relations materials.
Summary
Citizens Holding Company is a small community bank with strong local ties, but faces challenges from larger competitors and the changing banking landscape. The company is well managed and has a stable presence in the market, but it needs to address the long-term challenges of digitization and increased competition to remain competitive. It needs to stay abreast of any regulatory changes that will occur in its market. Its size also affects its competitive position in its market as it is smaller that its competitors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Data Providers
Disclaimers:
The information provided is based on available data and is for informational purposes only. It should not be considered financial advice. Market share data may not be exact and is subject to change.
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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