NASDAQ: CIZNCitizens Holding Co Stock
$12.30-0.08 (-0.65%)
Updated Mar 29, 2023
CIZN Price
$12.30
Fair Value Price
$17.41
Market Cap
$68.97M
52 Week Low
$11.85
52 Week High
$21.75
P/E
7.15x
P/B
1.77x
P/S
1.68x
PEG
0.55x
Dividend Yield
7.8%
Revenue
$45.67M
Earnings
$9.62M
Gross Margin
100%
Operating Margin
25.18%
Profit Margin
21.1%
Debt to Equity
32.93
Operating Cash Flow
$14M
Beta
0.05
Next Earnings
Apr 24, 2023
Ex-Dividend
Mar 16, 2023
Next Dividend
Mar 31, 2023
CIZN Overview
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. The company offers demand deposits, as well as savings and time deposit accounts. It 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, the company offers personal and corporate trust services; credit life and title insurance; and internet and mobile banking services. It operates a principal office in downtown Philadelphia, Mississippi; and 28 additional branches in Neshoba, Newton, Leake, Lamar, Forrest, Scott, Attala, Lauderdale, Lafayette, Oktibbeha, Rankin, Madison, Harrison, Jackson, Winston, and Kemper counties, Mississippi. Citizens Holding Company was founded in 1908 and is headquartered in Philadelphia, Mississippi.
Zen Score
–
Industry Average (38)
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Due Diligence Checks
CIZN ($12.30) is undervalued by 29.35% relative to our estimate of its Fair Value price of $17.41 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
CIZN ($12.30) is significantly undervalued by 29.35% relative to our estimate of its Fair Value price of $17.41 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
CIZN ($12.30) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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CIZN News
Valuation
CIZN fair value
Fair Value of CIZN stock based on Discounted Cash Flow (DCF)
Price
$12.30
Fair Value
$17.41
Undervalued by
29.35%
CIZN ($12.30) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CIZN ($12.30) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CIZN ($12.30) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
CIZN price to earnings (PE)
For valuing profitable companies with steady earnings
Company
7.15x
Industry
22.26x
Market
21.81x
CIZN is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CIZN is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
CIZN price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.77x
Industry
0.99x
CIZN is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
CIZN price to earnings growth (PEG)
For valuing profitable companies with growth potential
CIZN is good value based... subscribe to Premium to read more.
PEG Value Valuation
CIZN's financial health
Profit margin
Revenue
$11.5M
Net Income
$2.5M
Profit Margin
21.4%
CIZN's Earnings (EBIT) of $11.50M... subscribe to Premium to read more.
Interest Coverage Financials
CIZN's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.3B
Liabilities
$1.3B
Debt to equity
32.93
CIZN's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CIZN's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$2.9M
Investing
$2.1M
Financing
-$12.2M
CIZN's operating cash flow ($13.76M)... subscribe to Premium to read more.
Debt Coverage Financials
CIZN vs Bank Stocks
Citizens Holding Co Stock FAQ
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