CIZN
Citizens Holding Company
Price Chart
Latest Quote
$9.50
+0.14 (+1.50%)
Current Price
| Previous Close | $9.36 |
| Open | $9.54 |
| Day High | $9.54 |
| Day Low | $9.54 |
| Volume | 63 |
Stock Information
| Quarterly Dividend / Yield | $0.36 / 3.85% |
| Shares Outstanding | 5.69M |
| Quarterly Dividend Yield | 3.85% |
| Quarterly Dividend | $0.36 |
| Total Debt | $96.97M |
| Cash Equivalents | $89.71M |
| Revenue | $52.66M |
| Net Income | $8.18M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $54.01M |
| P/E Ratio | 6.60 |
| EPS (TTM) | $1.44 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $61.27M |
| Sales | $52.66M |
| Income | $8.18M |
| Book/sh | $11.19 |
| Cash/sh | $15.78 |
Financial Ratios
| EPS Growth TTM | 1.90% |
Returns & Margins
| ROE | 14.65% |
| Operating Margin | 16.84% |
| Profit Margin | 15.54% |
Ownership
| Institutional Ownership | 1.55% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| PEG | 1.21 |
| P/S | 1.03 |
| P/B | 0.85 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $9.44 |
| SMA50 | $9.38 |
| SMA200 | $8.21 |
| RSI | 52.69 |
| ATR | 0.1007 |
| Short Float | 0.98% |
| Short Ratio | 9.54 |
| Volatility | 0.08 |
| Rel Volume | 5.89 |
Performance History
| Week | +0.00% |
| Month | +0.53% |
| Quarter | +2.72% |
| 6 Months | +23.37% |
| YTD | +18.57% |
| Year | +10.53% |
| 3 Years | -9.92% |
| 5 Years | -37.11% |
| 10 Years | -30.08% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $9.45 | 15,000 |
| 2026-06-16 | $9.50 | 2,400 |
| 2026-06-15 | $9.36 | 2,000 |
| 2026-06-12 | $9.36 | 2,600 |
| 2026-06-11 | $9.45 | 0 |
| 2026-06-10 | $9.45 | 2,000 |
| 2026-06-09 | $9.25 | 300 |
| 2026-06-08 | $9.40 | 11,900 |
| 2026-06-05 | $9.54 | 100 |
| 2026-06-04 | $9.54 | 0 |
| 2026-06-03 | $9.54 | 700 |
| 2026-06-02 | $9.50 | 9,700 |
| 2026-06-01 | $9.51 | 0 |
| 2026-05-29 | $9.51 | 600 |
| 2026-05-28 | $9.40 | 0 |
| 2026-05-27 | $9.40 | 600 |
| 2026-05-26 | $9.49 | 200 |
| 2026-05-22 | $9.41 | 0 |
| 2026-05-21 | $9.41 | 1,700 |
| 2026-05-20 | $9.35 | 1,100 |
| 2026-05-19 | $9.32 | 11,600 |
| 2026-05-18 | $9.40 | 9,800 |
About Citizens Holding Company
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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Income Statement (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Revenue | |||
| Total Revenue | $37,663,000 | $44,967,000 | $44,860,000 |
| Operating Revenue | $37,663,000 | $44,967,000 | $44,860,000 |
| Expenses | |||
| Interest Expense | $19,406,000 | $4,792,000 | $5,015,000 |
| Selling And Marketing Expense | $566,000 | $610,000 | $573,000 |
| General And Administrative Expense | $19,517,000 | $18,479,000 | $19,339,000 |
| Professional Expense And Contract Services Expense | $1,137,000 | $1,144,000 | $1,039,000 |
| Other Non Interest Expense | $6,159,000 | $5,656,000 | $5,526,000 |
| Other Non Operating Income Expenses | - | - | $-914,000 |
| Income & Earnings | |||
| Net Income From Continuing Operation Net Minority Interest | $1,854,000 | $9,620,000 | $7,494,000 |
| Net Interest Income | $29,878,000 | $34,909,000 | $33,494,000 |
| Interest Income | $49,284,000 | $39,701,000 | $38,509,000 |
| Normalized Income | $1,854,000 | $9,655,129 | $8,261,486 |
| Net Income From Continuing And Discontinued Operation | $1,854,000 | $9,620,000 | $7,494,000 |
| Net Income Common Stockholders | $1,854,000 | $9,620,000 | $7,494,000 |
| Net Income | $1,854,000 | $9,620,000 | $7,494,000 |
| Net Income Including Noncontrolling Interests | $1,854,000 | $9,620,000 | $7,494,000 |
| Net Income Continuous Operations | $1,854,000 | $9,620,000 | $7,494,000 |
| Pretax Income | $1,780,000 | $11,501,000 | $8,925,000 |
| Special Income Charges | $0 | $-42,000 | $-914,000 |
| Per Share | |||
| Diluted EPS | - | $1.72 | $1.34 |
| Basic EPS | - | $1.72 | $1.34 |
| Other | |||
| Tax Effect Of Unusual Items | $0 | $-6,871 | $-146,514 |
| Tax Rate For Calcs | $0 | $0 | $0 |
| Total Unusual Items | $0 | $-42,000 | $-914,000 |
| Total Unusual Items Excluding Goodwill | $0 | $-42,000 | $-914,000 |
| Reconciled Depreciation | $1,437,000 | $1,275,000 | $1,173,000 |
| Diluted NI Availto Com Stockholders | $1,854,000 | $9,620,000 | $7,494,000 |
| Tax Provision | $-74,000 | $1,881,000 | $1,431,000 |
| Write Off | $0 | $42,000 | $914,000 |
| Gain On Sale Of Security | $-1,986,000 | $0 | $1,378,000 |
| Selling General And Administration | $20,083,000 | $19,089,000 | $19,912,000 |
| Insurance And Claims | $934,000 | $830,000 | $879,000 |
| Salaries And Wages | $18,583,000 | $17,649,000 | $18,460,000 |
| Occupancy And Equipment | $7,835,000 | $7,411,000 | $7,135,000 |
| Diluted Average Shares | - | $5,592,668 | $5,584,483 |
| Basic Average Shares | - | $5,592,668 | $5,584,396 |
| Other Gand A | - | $2,045,000 | $2,145,000 |
| Impairment Of Capital Assets | - | - | $914,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Assets | |||
| Net Tangible Assets | $29,442,000 | $25,583,000 | $92,349,000 |
| Total Assets | $1,404,597,000 | $1,323,728,000 | $1,361,309,000 |
| Goodwill And Other Intangible Assets | $13,331,000 | $13,442,000 | $13,551,000 |
| Other Intangible Assets | $301,000 | $412,000 | $521,000 |
| Receivables | $5,231,000 | $4,864,000 | $4,171,000 |
| Accounts Receivable | $5,231,000 | $4,864,000 | $4,171,000 |
| Cash And Cash Equivalents | $94,476,000 | $28,594,000 | $79,236,000 |
| Cash Financial | $14,553,000 | $26,948,000 | $10,673,000 |
| Cash Cash Equivalents And Federal Funds Sold | $94,476,000 | $28,594,000 | $79,236,000 |
| Debt | |||
| Total Debt | $18,000,000 | $18,000,000 | $18,000,000 |
| Current Debt And Capital Lease Obligation | $18,000,000 | $18,000,000 | $18,000,000 |
| Current Debt | $18,000,000 | $18,000,000 | $18,000,000 |
| Other Current Borrowings | - | - | $0 |
| Liabilities | |||
| Total Liabilities Net Minority Interest | $1,361,824,000 | $1,284,703,000 | $1,255,409,000 |
| Payables And Accrued Expenses | $11,172,000 | $10,600,000 | $9,871,000 |
| Payables | $11,172,000 | $10,600,000 | $9,871,000 |
| Other Payable | $9,929,000 | $9,868,000 | $9,543,000 |
| Accounts Payable | $1,243,000 | $732,000 | $328,000 |
| Equity | |||
| Common Stock Equity | $42,773,000 | $39,025,000 | $105,900,000 |
| Total Equity Gross Minority Interest | $42,773,000 | $39,025,000 | $105,900,000 |
| Stockholders Equity | $42,773,000 | $39,025,000 | $105,900,000 |
| Gains Losses Not Affecting Retained Earnings | $-76,289,000 | $-83,070,000 | $-11,795,000 |
| Retained Earnings | $99,354,000 | $102,525,000 | $98,282,000 |
| Other | |||
| Ordinary Shares Number | $5,616,438 | $5,603,570 | $5,595,320 |
| Share Issued | $5,616,438 | $5,603,570 | $5,595,320 |
| Tangible Book Value | $29,442,000 | $25,583,000 | $92,349,000 |
| Invested Capital | $60,773,000 | $57,025,000 | $123,900,000 |
| Additional Paid In Capital | $18,585,000 | $18,448,000 | $18,293,000 |
| Capital Stock | $1,123,000 | $1,122,000 | $1,120,000 |
| Common Stock | $1,123,000 | $1,122,000 | $1,120,000 |
| Line Of Credit | $18,000,000 | $18,000,000 | $18,000,000 |
| Investments And Advances | $565,594,000 | $607,912,000 | $631,835,000 |
| Held To Maturity Securities | $387,799,000 | $406,590,000 | $0 |
| Goodwill | $13,030,000 | $13,030,000 | $13,030,000 |
| Net PPE | $27,073,000 | $27,705,000 | $26,661,000 |
| Accumulated Depreciation | $-16,152,000 | $-15,937,000 | $-15,358,000 |
| Gross PPE | $43,225,000 | $43,642,000 | $42,019,000 |
| Machinery Furniture Equipment | $7,921,000 | $8,522,000 | $6,911,000 |
| Land And Improvements | $35,304,000 | $35,120,000 | $35,108,000 |
| Properties | $35,304,000 | $35,120,000 | $35,108,000 |
| Other Short Term Investments | $177,795,000 | $201,322,000 | $631,835,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Free Cash Flow | |||
| Free Cash Flow | $4,805,000 | $11,118,000 | $14,892,000 |
| Operating Activities | |||
| Operating Cash Flow | $5,523,000 | $13,760,000 | $17,491,000 |
| Cash Flow From Continuing Operating Activities | $5,523,000 | $13,760,000 | $17,491,000 |
| Operating Gains Losses | $1,707,000 | $-322,000 | $-1,365,000 |
| Investing Activities | |||
| Capital Expenditure | $-718,000 | $-2,642,000 | $-2,599,000 |
| Investing Cash Flow | $-9,786,000 | $-88,349,000 | $98,616,000 |
| Cash Flow From Continuing Investing Activities | $-9,786,000 | $-88,349,000 | $98,616,000 |
| Net Other Investing Changes | $7,000 | $1,263,000 | $4,763,000 |
| Financing Activities | |||
| Financing Cash Flow | $70,145,000 | $23,947,000 | $-79,179,000 |
| Cash Flow From Continuing Financing Activities | $70,145,000 | $23,947,000 | $-79,179,000 |
| Cash Dividends Paid | $-4,042,000 | $-5,377,000 | $-5,370,000 |
| Common Stock Dividend Paid | - | - | $-5,370,000 |
| Other | |||
| Repayment Of Debt | $0 | $0 | $-25,000,000 |
| Issuance Of Debt | $0 | $0 | $18,000,000 |
| Interest Paid Supplemental Data | $18,895,000 | $4,388,000 | $5,209,000 |
| Income Tax Paid Supplemental Data | $1,950,000 | $1,490,000 | $515,000 |
| End Cash Position | $94,476,000 | $28,594,000 | $79,236,000 |
| Beginning Cash Position | $28,594,000 | $79,236,000 | $42,308,000 |
| Changes In Cash | $65,882,000 | $-50,642,000 | $36,928,000 |
| Net Issuance Payments Of Debt | $0 | $0 | $-7,000,000 |
| Net Short Term Debt Issuance | $0 | $0 | $18,000,000 |
| Short Term Debt Issuance | $0 | $0 | $18,000,000 |
| Net Long Term Debt Issuance | $0 | $0 | $-25,000,000 |
| Long Term Debt Payments | $0 | $0 | $-25,000,000 |
| Net Investment Purchase And Sale | $47,457,000 | $-74,350,000 | $20,433,000 |
| Sale Of Investment | $47,457,000 | $47,770,000 | $651,564,000 |
| Purchase Of Investment | $0 | $-122,120,000 | $-631,131,000 |
| Net PPE Purchase And Sale | $-511,000 | $-2,096,000 | $-2,107,000 |
| Sale Of PPE | $207,000 | $546,000 | $492,000 |
| Purchase Of PPE | $-718,000 | $-2,642,000 | $-2,599,000 |
| Change In Working Capital | $-2,697,000 | $-773,000 | $1,190,000 |
| Change In Other Working Capital | $-2,903,000 | $-807,000 | $-306,000 |
| Change In Payables And Accrued Expense | $511,000 | $403,000 | $-194,000 |
| Change In Payable | $511,000 | $403,000 | $-194,000 |
| Change In Account Payable | $511,000 | $403,000 | $-194,000 |
| Change In Receivables | $-366,000 | $-694,000 | $1,812,000 |
| Changes In Account Receivables | $-366,000 | $-694,000 | $1,812,000 |
| Stock Based Compensation | $138,000 | $157,000 | $161,000 |
| Asset Impairment Charge | $0 | $250,000 | $914,000 |
| Deferred Tax | $-362,000 | $401,000 | $566,000 |
| Deferred Income Tax | $-362,000 | $401,000 | $566,000 |
| Depreciation Amortization Depletion | $1,437,000 | $1,275,000 | $1,173,000 |
| Depreciation And Amortization | $1,437,000 | $1,275,000 | $1,173,000 |
| Gain Loss On Investment Securities | $1,986,000 | $0 | $-1,378,000 |
| Gain Loss On Sale Of PPE | $-279,000 | $-322,000 | $13,000 |
| Net Income From Continuing Operations | $1,854,000 | $9,620,000 | $7,494,000 |
| Proceeds From Stock Option Exercised | - | $0 | $0 |
| Long Term Debt Issuance | - | $0 | - |
| Other Non Cash Items | - | $-219,000 | $-680,000 |
| Net Business Purchase And Sale | - | - | $0 |
| Purchase Of Business | - | - | $0 |
Fetched: 2026-02-02