CITIZENS HOLDING COMPANY (CIZN) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:CIZN • US1747151025

8.85 USD
-0.69 (-7.23%)
At close: Dec 14, 2023
9.6 USD
+0.75 (+8.47%)
After Hours: 12/14/2023, 8:00:00 PM
Fundamental Rating

2

Overall CIZN gets a fundamental rating of 2 out of 10. We evaluated CIZN against 383 industry peers in the Banks industry. CIZN may be in some trouble as it scores bad on both profitability and health. CIZN is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year CIZN was profitable.
  • In the past year CIZN had a positive cash flow from operations.
CIZN Yearly Net Income VS EBIT VS OCF VS FCFCIZN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M

1.2 Ratios

  • CIZN's Return On Assets of 0.36% is on the low side compared to the rest of the industry. CIZN is outperformed by 91.59% of its industry peers.
  • CIZN has a Return On Equity of 14.90%. This is amongst the best in the industry. CIZN outperforms 83.17% of its industry peers.
Industry RankSector Rank
ROA 0.36%
ROE 14.9%
ROIC N/A
ROA(3y)0.58%
ROA(5y)0.59%
ROE(3y)12.51%
ROE(5y)10.14%
ROIC(3y)N/A
ROIC(5y)N/A
CIZN Yearly ROA, ROE, ROICCIZN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 5 10 15 20

1.3 Margins

  • CIZN has a Profit Margin of 12.20%. This is amonst the worse of the industry: CIZN underperforms 89.18% of its industry peers.
  • In the last couple of years the Profit Margin of CIZN has grown nicely.
  • CIZN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 12.2%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.01%
PM growth 5Y15.02%
GM growth 3YN/A
GM growth 5YN/A
CIZN Yearly Profit, Operating, Gross MarginsCIZN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 5 10 15 20

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0

2. Health

2.1 Basic Checks

  • CIZN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CIZN has about the same amout of shares outstanding than it did 1 year ago.
  • The debt/assets ratio for CIZN is higher compared to a year ago.
CIZN Yearly Shares OutstandingCIZN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 1M 2M 3M 4M 5M
CIZN Yearly Total Debt VS Total AssetsCIZN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 500M 1B

2.2 Solvency

  • The Debt to FCF ratio of CIZN is 27.14, which is on the high side as it means it would take CIZN, 27.14 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 27.14, CIZN is doing worse than 86.30% of the companies in the same industry.
  • CIZN has a Debt/Equity ratio of 4.93. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 4.93, CIZN is doing worse than 98.80% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.93
Debt/FCF 27.14
Altman-Z N/A
ROIC/WACCN/A
WACC6.06%
CIZN Yearly LT Debt VS Equity VS FCFCIZN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CIZN Yearly Current Assets VS Current LiabilitesCIZN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 50M 100M 150M 200M

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1

3. Growth

3.1 Past

  • The earnings per share for CIZN have decreased strongly by -42.77% in the last year.
  • The Earnings Per Share has been growing by 18.06% on average over the past years. This is quite good.
  • CIZN shows a decrease in Revenue. In the last year, the revenue decreased by -8.40%.
  • CIZN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.25% yearly.
EPS 1Y (TTM)-42.77%
EPS 3Y13.71%
EPS 5Y18.06%
EPS Q2Q%-52.17%
Revenue 1Y (TTM)-8.4%
Revenue growth 3Y8.98%
Revenue growth 5Y5.25%
Sales Q2Q%-10.81%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CIZN Yearly Revenue VS EstimatesCIZN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M 40M
CIZN Yearly EPS VS EstimatesCIZN Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 0.5 1

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3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.73, which indicates a very decent valuation of CIZN.
  • CIZN's Price/Earnings is on the same level as the industry average.
  • CIZN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.41.
Industry RankSector Rank
PE 9.73
Fwd PE N/A
CIZN Price Earnings VS Forward Price EarningsCIZN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • CIZN's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CIZN is cheaper than 62.74% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.98
EV/EBITDA N/A
CIZN Per share dataCIZN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.54
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

  • CIZN has a Yearly Dividend Yield of 8.69%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.67, CIZN pays a better dividend. On top of this CIZN pays more dividend than 99.04% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.83, CIZN pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.69%

5.2 History

  • The dividend of CIZN has a limited annual growth rate of 0.03%.
  • CIZN has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)0.03%
Div Incr Years0
Div Non Decr Years0
CIZN Yearly Dividends per shareCIZN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 87.87% of the earnings are spent on dividend by CIZN. This is not a sustainable payout ratio.
  • CIZN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP87.87%
EPS Next 2YN/A
EPS Next 3YN/A
CIZN Yearly Income VS Free CF VS DividendCIZN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 5M 10M
CIZN Dividend Payout.CIZN Dividend Payout, showing the Payout Ratio.CIZN Dividend Payout.PayoutRetained Earnings

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CITIZENS HOLDING COMPANY

NASDAQ:CIZN (12/14/2023, 8:00:00 PM)

After market: 9.6 +0.75 (+8.47%)

8.85

-0.69 (-7.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27
Earnings (Next)01-22
Inst Owners0.02%
Inst Owner Change-99.4%
Ins Owners11.21%
Ins Owner Change0%
Market Cap49.74M
Revenue(TTM)41.87M
Net Income(TTM)5.11M
Analysts43.33
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.69%
Yearly Dividend0.96
Dividend Growth(5Y)0.03%
DP87.87%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 9.73
Fwd PE N/A
P/S 1.19
P/FCF 7.98
P/OCF 6.82
P/B 1.45
P/tB 2.38
EV/EBITDA N/A
EPS(TTM)0.91
EY10.28%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.11
FCFY12.53%
OCF(TTM)1.3
OCFY14.66%
SpS7.45
BVpS6.1
TBVpS3.72
PEG (NY)N/A
PEG (5Y)0.54
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.36%
ROE 14.9%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.2%
GM N/A
FCFM 14.88%
ROA(3y)0.58%
ROA(5y)0.59%
ROE(3y)12.51%
ROE(5y)10.14%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.01%
PM growth 5Y15.02%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 4.93
Debt/FCF 27.14
Debt/EBITDA N/A
Cap/Depr 82.81%
Cap/Sales 2.53%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 121.92%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC6.06%
ROIC/WACCN/A
Cap/Depr(3y)202.94%
Cap/Depr(5y)152.07%
Cap/Sales(3y)5.36%
Cap/Sales(5y)4%
Profit Quality(3y)162.61%
Profit Quality(5y)175.25%
High Growth Momentum
Growth
EPS 1Y (TTM)-42.77%
EPS 3Y13.71%
EPS 5Y18.06%
EPS Q2Q%-52.17%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.4%
Revenue growth 3Y8.98%
Revenue growth 5Y5.25%
Sales Q2Q%-10.81%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-60.39%
FCF growth 3Y-3.72%
FCF growth 5Y7.6%
OCF growth 1Y-61.04%
OCF growth 3Y0.64%
OCF growth 5Y5.32%

CITIZENS HOLDING COMPANY / CIZN FAQ

What is the ChartMill fundamental rating of CITIZENS HOLDING COMPANY (CIZN) stock?

ChartMill assigns a fundamental rating of 2 / 10 to CIZN.


Can you provide the valuation status for CITIZENS HOLDING COMPANY?

ChartMill assigns a valuation rating of 3 / 10 to CITIZENS HOLDING COMPANY (CIZN). This can be considered as Overvalued.


How profitable is CITIZENS HOLDING COMPANY (CIZN) stock?

CITIZENS HOLDING COMPANY (CIZN) has a profitability rating of 3 / 10.


What is the financial health of CITIZENS HOLDING COMPANY (CIZN) stock?

The financial health rating of CITIZENS HOLDING COMPANY (CIZN) is 0 / 10.