Citizens Holding Co - Understand $cizn stock

$CIZN Market Cap: $50.05 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$12.82M

TTM

Gross Margin

Net Earnings

$4.269M

TTM

Current Assets

Current Liabilities

$205.6M

Q2 2024

Current Ratio

Total Assets

$1.465B

Q2 2024

Total Liabilities

$1.418B

Q2 2024

Book Value

$46.83M

Q2 2024

Cash

P/E

11.73

Nov 13, 2024 EST

Free Cash Flow

$3.045M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue	$49.28M	$39.70M	$38.51M	$40.56M	$35.36M	$31.36M	$30.51M	$30.17M	$30.96M	$31.38M	$32.12M	$34.39M	$36.97M	$38.14M
YoY Change	24.14%	3.1%	-5.06%	14.71%	12.77%	2.8%	1.11%	-2.57%	-1.33%	-2.29%	-6.61%	-6.99%	-3.05%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	$49.28M	$39.70M	$38.51M	$40.56M	$35.36M	$31.36M	$30.51M	$30.17M	$30.96M	$31.38M	$32.12M	$34.39M	$36.97M	$38.14M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development	$438.0K	$441.0K	$520.0K	$578.0K
YoY Change	-0.68%	-15.19%	-10.03%
% of Gross Profit
Depreciation & Amortization	$1.437M	$1.275M	$1.170M	$1.120M	$899.0K	$937.0K	$1.003M	$980.0K	$1.040M	$1.190M	$1.140M	$1.230M	$1.360M	$1.290M	$1.560M	$1.740M	$1.610M	$1.490M	$1.560M	$1.600M	$1.560M	$1.310M	$740.0K	$550.0K	$600.0K	$520.0K	$470.0K	$440.0K
YoY Change	12.71%	8.97%	4.46%	24.58%	-4.06%	-6.58%	2.35%	-5.77%	-12.61%	4.39%	-7.32%	-9.56%	5.43%	-17.31%	-10.34%	8.07%	8.05%	-4.49%	-2.5%	2.56%	19.08%	77.03%	34.55%	-8.33%	15.38%	10.64%	6.82%
% of Gross Profit
Operating Expenses	$438.0K	$441.0K	$520.0K	$578.0K
YoY Change	-0.68%	-15.19%	-10.03%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Interest Expense	$19.41M	$4.792M	$5.015M	$7.427M	$9.722M	$4.459M	$3.343M	$3.098M	$3.077M	$3.018M	$4.080M	$5.709M	$6.642M	$8.726M
YoY Change	304.97%	-4.45%	-32.48%	-23.61%	118.03%	33.38%	7.92%	0.67%	1.94%	-26.03%	-28.53%	-14.05%	-23.88%
% of Operating Profit
Other Income/Expense, Net	$3.593M	$3.169M	$3.086M	$2.586M	$2.402M	$2.582M	$2.801M	$2.583M	$2.582M	$2.360M	$3.082M	$2.770M	$2.671M	$2.203M
YoY Change	13.38%	2.69%	19.33%	7.66%	-6.97%	-7.82%	8.45%	0.03%	9.39%	-23.41%	11.24%	3.72%	21.26%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Pretax Income	$1.780M	$11.50M	$8.930M	$8.680M	$7.256M	$7.501M	$7.775M	$8.348M	$10.07M	$9.278M	$8.920M	$8.435M	$8.535M	$9.245M	$8.770M	$10.56M	$8.880M	$11.23M	$10.33M	$10.23M	$9.820M	$9.260M	$8.270M	$8.170M	$8.420M	$7.200M	$7.050M	$6.800M
YoY Change	-84.52%	28.79%	2.88%	19.63%	-3.27%	-3.52%	-6.87%	-17.08%	8.52%	4.01%	5.75%	-1.17%	-7.68%	5.42%	-16.95%	18.92%	-20.93%	8.71%	0.98%	4.18%	6.05%	11.97%	1.22%	-2.97%	16.94%	2.13%	3.68%	19.93%
Income Tax	-$74.00K	$1.881M	$1.430M	$1.750M	$1.354M	$828.0K	$4.071M	$1.612M	$2.479M	$1.828M	$1.770M	$1.651M	$1.317M	$2.082M	$1.630M	$2.290M	$1.970M	$2.840M	$2.370M	$2.680M	$2.850M	$2.970M	$2.560M	$2.640M	$2.790M	$2.490M	$2.560M	$2.410M
% Of Pretax Income	-4.16%	16.36%	16.01%	20.16%	18.66%	11.04%	52.36%	19.31%	24.62%	19.7%	19.84%	19.57%	15.43%	22.53%	18.59%	21.69%	22.18%	25.29%	22.94%	26.2%	29.02%	32.07%	30.96%	32.31%	33.14%	34.58%	36.31%	35.44%
Net Earnings	$1.854M	$9.620M	$7.490M	$6.930M	$5.902M	$6.673M	$3.704M	$6.737M	$7.589M	$7.450M	$7.150M	$6.784M	$7.218M	$7.163M	$7.140M	$8.270M	$6.920M	$8.400M	$7.970M	$7.550M	$6.970M	$6.300M	$5.710M	$5.530M	$5.620M	$4.710M	$4.490M	$4.390M
YoY Change	-80.73%	28.44%	8.08%	17.42%	-11.55%	80.16%	-45.02%	-11.23%	1.87%	4.19%	5.39%	-6.01%	0.77%	0.32%	-13.66%	19.51%	-17.62%	5.4%	5.56%	8.32%	10.63%	10.33%	3.25%	-1.6%	19.32%	4.9%	2.28%	21.27%
Net Earnings / Revenue	3.76%	24.23%	19.45%	17.09%	16.69%	21.28%	12.14%	22.33%	24.51%	23.74%	22.26%	19.73%	19.52%	18.78%
Basic Earnings Per Share	$0.33	$1.72	$1.34	$1.24	$1.17	$1.36	$0.76	$1.38	$1.56	$1.53	$1.47	$1.40	$1.49	$1.48
Diluted Earnings Per Share	$0.33	$1.720M	$1.342M	$1.242M	$1.17	$1.36	$0.76	$1.38	$1.56	$1.53	$1.47	$1.39	$1.49	$1.48	$1.454M	$1.688M	$1.395M	$1.654M	$1.572M	$1.492M	$1.388M	$1.260M	$1.147M	$1.110M	$1.131M	$949.6K	$905.2K	$885.1K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$27.07M	$27.71M	$26.70M	$25.60M	$24.70M	$19.70M	$20.60M	$18.70M	$18.70M	$19.20M	$18.60M	$19.40M	$20.30M	$20.80M	$18.10M	$17.20M	$14.30M	$12.10M	$9.900M	$9.800M	$10.00M	$9.400M	$5.100M	$4.400M	$4.400M	$4.400M	$4.300M	$3.800M
YoY Change	-2.28%	3.76%	4.3%	3.64%	25.38%	-4.37%	10.16%	0.0%	-2.6%	3.23%	-4.12%	-4.43%	-2.4%	14.92%	5.23%	20.28%	18.18%	22.22%	1.02%	-2.0%	6.38%	84.31%	15.91%	0.0%	0.0%	2.33%	13.16%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$28.01M	$29.57M	$6.300M	$1.500M	$3.700M	$6.600M	$5.400M	$10.60M	$9.200M	$10.10M	$17.80M																$400.0K	$600.0K
YoY Change	-5.3%	369.43%	320.0%	-59.46%	-43.94%	22.22%	-49.06%	15.22%	-8.91%	-43.26%																	-33.33%
Total Long-Term Assets
YoY Change
Total Assets	$1.405B	$1.324B	$1.361B	$1.451B	$1.195B	$958.6M	$993.1M	$1.025B	$973.5M	$921.1M	$873.1M	$880.8M	$853.9M	$818.2M	$840.0M	$766.0M	$680.9M	$621.2M	$614.8M	$587.2M	$550.8M	$518.5M	$427.2M	$382.8M	$362.8M	$334.2M	$286.6M	$270.7M
YoY Change
Accounts Payable	$1.243M	$732.0K	$300.0K	$500.0K	$1.100M	$500.0K	$200.0K	$200.0K	$200.0K	$200.0K	$200.0K	$300.0K	$400.0K	$500.0K	$800.0K	$1.400M	$1.900M	$1.200M	$800.0K	$600.0K	$700.0K	$1.000M	$1.400M	$1.600M	$1.200M	$1.300M	$1.300M	$1.100M
YoY Change	69.81%	144.0%	-40.0%	-54.55%	120.0%	150.0%	0.0%	0.0%	0.0%	0.0%	-33.33%	-25.0%	-20.0%	-37.5%	-42.86%	-26.32%	58.33%	50.0%	33.33%	-14.29%	-30.0%	-28.57%	-12.5%	33.33%	-7.69%	0.0%	18.18%
Accrued Expenses																									$300.0K	$200.0K	$200.0K	$100.0K
YoY Change																									50.0%	0.0%	100.0%
Deferred Revenue
YoY Change
Short-Term Debt	$158.1M	$127.6M	$112.8M	$221.3M	$170.4M	$108.0M	$144.0M	$150.3M	$104.3M	$114.4M	$109.9M	$73.30M	$120.2M	$113.0M	$114.8M	$62.40M	$4.200M	$0.00	$1.600M	$0.00	$1.500M			$0.00	$10.60M	$10.00M	$0.00	$8.800M
YoY Change	23.92%	13.1%	-49.03%	29.87%	57.78%	-25.0%	-4.19%	44.1%	-8.83%	4.09%	49.93%	-39.02%	6.37%	-1.57%	83.97%	1385.71%		-100.0%		-100.0%				-100.0%	6.0%		-100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$159.3M	$732.0K	$300.0K	$500.0K	$1.100M	$500.0K	$200.0K	$200.0K	$200.0K	$200.0K	$200.0K	$300.0K	$400.0K	$500.0K	$800.0K	$1.400M	$1.900M	$1.200M	$800.0K	$600.0K	$700.0K	$1.000M	$1.400M	$1.600M	$1.500M	$1.500M	$1.500M	$1.400M
YoY Change	21666.26%	144.0%	-40.0%	-54.55%	120.0%	150.0%	0.0%	0.0%	0.0%	0.0%	-33.33%	-25.0%	-20.0%	-37.5%	-42.86%	-26.32%	58.33%	50.0%	33.33%	-14.29%	-30.0%	-28.57%	-12.5%	6.67%	0.0%	0.0%	7.14%
Long-Term Debt	$18.00M	$18.00M	$18.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.0%	0.0%
Other Long-Term Liabilities	$14.42M	$12.27M	$12.40M	$14.20M	$12.10M	$10.10M	$9.800M	$9.500M	$9.200M	$8.500M	$8.600M	$7.300M	$6.400M	$6.600M	$5.700M	$5.500M	$80.00M	$17.70M	$13.40M	$4.400M	$4.400M	$5.000M	$3.500M	$3.800M	$3.500M	$3.100M	$3.100M	$2.800M
YoY Change	17.51%	-1.05%	-12.68%	17.36%	19.8%	3.06%	3.16%	3.26%	8.24%	-1.16%	17.81%	14.06%	-3.03%	15.79%	3.64%	-93.13%	351.98%	32.09%	204.55%	0.0%	-12.0%	42.86%	-7.89%	8.57%	12.9%	0.0%	10.71%
Total Long-Term Liabilities	$32.42M	$30.27M	$30.40M	$14.20M	$12.10M	$10.10M	$9.800M	$9.500M	$9.200M	$8.500M	$8.600M	$7.300M	$6.400M	$6.600M	$5.700M	$5.500M	$80.00M	$17.70M	$13.40M	$4.400M	$4.400M	$5.000M	$3.500M	$3.800M	$3.500M	$3.100M	$3.100M	$2.800M
YoY Change	7.1%	-0.43%	114.08%	17.36%	19.8%	3.06%	3.16%	3.26%	8.24%	-1.16%	17.81%	14.06%	-3.03%	15.79%	3.64%	-93.13%	351.98%	32.09%	204.55%	0.0%	-12.0%	42.86%	-7.89%	8.57%	12.9%	0.0%	10.71%
Total Liabilities	$1.362B	$1.285B	$1.255B	$1.331B	$1.083B	$874.8M	$904.6M	$940.2M	$887.1M	$839.2M	$806.8M	$792.0M	$767.9M	$741.9M	$765.4M	$694.6M	$612.7M	$551.5M	$551.1M	$527.0M	$494.3M	$464.7M	$380.0M	$339.4M	$325.2M	$298.8M	$255.4M	$243.9M
YoY Change	5.98%	2.36%	-5.69%	22.95%	23.75%	-3.29%	-3.79%	5.99%	5.71%	4.02%	1.87%	3.14%	3.5%	-3.07%	10.19%	13.37%	11.1%	0.07%	4.57%	6.62%	6.37%	22.29%	11.96%	4.37%	8.84%	16.99%	4.72%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	5.601M	5.593M	5.584M	5.577M	5.064M	4.889M	4.879M	4.866M	4.872M shares	4.870M shares	4.868M shares	4.858M shares	4.842M shares	4.836M shares
Diluted Shares Outstanding	5.601M	5.593M	5.584M	5.580M	5.066M	4.899M	4.896M	4.876M	4.874M shares	4.871M shares	4.870M shares	4.866M shares	4.849M shares	4.853M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $50.054 Million

About Citizens Holding Co

Citizens Holding Co. operates as a bank holding company, which engages in the provision of commercial and personal banking services through the Citizens Bank of Philadelphia. The company is headquartered in Philadelphia Mississippi, Mississippi and currently employs 246 full-time employees. The Bank has banking locations in about 14 counties throughout the state of Mississippi. In addition to full service commercial banking, the Company offers mortgage loans, title insurance services through third party partnerships and a full range of Internet banking services, including online banking, bill pay and cash management services for businesses. Through its ownership of the Bank, the Company engages in a range of commercial and personal banking activities, including accepting demand deposits, savings and time deposit accounts, making secured and unsecured loans, issuing letters of credit, originating mortgage loans, and providing personal and corporate trust services. The firm also provides certain services that are closely related to commercial banking, such as credit life insurance and title insurance for its loan customers.

Industry: State Commercial Banks Peers: Auburn National Bancorporation Inc F&M BANK CORP PNC Financial Services Group Inc Prime Meridian Holding Co Security Federal Corp