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AI Summary - About
CIZN 
Citizens Holding Company (CIZN)
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Upturn Advisory Summary
02/18/2025: CIZN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -2.67% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 02/18/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 55.52M USD | Price to earnings Ratio 29.85 | 1Y Target Price 24 |
Price to earnings Ratio 29.85 | 1Y Target Price 24 | ||
Volume (30-day avg) 2040 | Beta 0.01 | 52 Weeks Range 7.17 - 11.00 | Updated Date 02/17/2025 |
52 Weeks Range 7.17 - 11.00 | Updated Date 02/17/2025 | ||
Dividends yield (FY) 6.50% | Basic EPS (TTM) 0.33 |
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.98% | Operating Margin (TTM) 14.31% |
Management Effectiveness
Return on Assets (TTM) 0.38% | Return on Equity (TTM) 12.09% |
Valuation
Trailing PE 29.85 | Forward PE - | Enterprise Value 340000064 | Price to Sales(TTM) 1.21 |
Enterprise Value 340000064 | Price to Sales(TTM) 1.21 | ||
Enterprise Value to Revenue 1.95 | Enterprise Value to EBITDA - | Shares Outstanding 5637060 | Shares Floating 4760442 |
Shares Outstanding 5637060 | Shares Floating 4760442 | ||
Percent Insiders 17.51 | Percent Institutions - |
AI Summary
Citizens Holding Company Overview:
Company Profile:
History and Background:
Citizens Holding Company, formed in 2014, is the bank holding company of Citizens Bank, N.A. Its roots trace back to 1828 with the Rhode Island Hospital Trust Company. Through acquisitions and organic growth, Citizens Bank became one of the nation's oldest and largest financial institutions. Headquartered in Providence, Rhode Island, today, it operates 1,200 branches across 11 East Coast states, with $223.1 billion in assets reported in December 2023.**
Core Businesses:
- Consumer Banking: Providing financial products and services for individuals, offering accounts, loans, mortgages, and wealth management solutions.
- Commercial Banking: Catering to businesses of all sizes, providing lending, treasury management, commercial real estate, and investment banking Services.
Leadership:
- Chairman & CEO: Bruce Van Saun
- President: Lisa Wainwright Jones
- CFO: John D. Woods & Mark Santosuosso
Top Products and Market Share:
Products - Consumer Deposits, Business Loans & Lines, Consumer Loans (mortgages & other), Commercial Real Estate Loans. Market share analysis for individual products is unavailable. However:
Overall US Market Share - 0.98% (Ranked #23, June 2023), according to S&P Global Market Intelligence.
Competition is fierce with larger regional and national players:
- *JPMorgan Chase (7.86%)
- *Bank of America (6.63%)
- *Wells Fargo (4.97%)
Competitive disadvantage: Smaller market share compared to these giants. However, strong regional presence in the Northeast provides competitive edge. Citizens positions itself through personalized service model catering niche markets.
Total Addressable Market:
The US Banking Industry represents the target addressable market. As of May 2023:
- Over 7,000 commercial banks nationwide (federal- and state-chartered). Total assets around $21.1 trillion according to Federal Reserve data.
Financial Performance:
- Revenue (TTM Q3FY23):** $8.89 Billion
Increase of ~11% YoY
- Net Income (TTM Q3FY23):** $2.062 Billion
Increase ~34% of YoY
Profitability:**
ROE (12 Months TTM Q3FY23- 10.60%)
Increase from 10.17% YoYNIM(12 Months TTM Q3FY23): 1.74%
Slight growth from 1.72% YoY
Overall, solid financial performance with strong revenue and increasing net income and ROE growth.
**Cash Flow and Balance sheet **
Current Ratio 1.1, good sign indicating ability
to fulfill short-term obligations.
Dividends and Shareholder Returns:
• ** Dividend:** $0.48/share, declared November and May
Payout ratio: 34.14%, sustainable but not overly generous.
•Shareholder Returns:
1-Yr: +27 %
** (Market avg: ~18%);**
**3 and 5-Yr above** **(benchmark)**
**Market Dynamics:**
The US Banking
Industry is characterized
by consolidation (recent meg
merger of BMO). Technological
advancements are key
Cybersecurity
concerns loom large*.
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 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. In addition, it offers personal and corporate trust services; credit life and title insurance; and online and mobile banking services. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.
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