CITIZENS HOLDING COMPANY (CIZN) Fundamental Analysis & Valuation

NASDAQ:CIZN • US1747151025

Current stock price

8.85 USD
-0.69 (-7.23%)
At close:
9.6 USD
+0.75 (+8.47%)
After Hours:

This CIZN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CIZN Profitability Analysis

1.1 Basic Checks

  • In the past year CIZN was profitable.
  • CIZN had a positive operating cash flow in the past year.
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

  • The Return On Assets of CIZN (0.36%) is worse than 91.59% of its industry peers.
  • With an excellent Return On Equity value of 14.90%, CIZN belongs to the best of the industry, outperforming 83.17% of the companies in the same industry.
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's Profit Margin of 12.20% is on the low side compared to the rest of the industry. CIZN is outperformed by 89.18% of its industry peers.
  • In the last couple of years the Profit Margin of CIZN has grown nicely.
  • The Operating Margin and Gross Margin are not available for CIZN so they could not be analyzed.
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. CIZN Health Analysis

2.1 Basic Checks

  • CIZN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CIZN has about the same amount of shares outstanding.
  • 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.
  • CIZN has a worse Debt to FCF ratio (27.14) than 86.30% of its industry peers.
  • CIZN has a Debt/Equity ratio of 4.93. This is a high value indicating a heavy dependency on external financing.
  • CIZN has a Debt to Equity ratio of 4.93. This is amonst the worse of the industry: CIZN underperforms 98.80% of its industry peers.
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. CIZN Growth Analysis

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.
  • The Revenue has decreased by -8.40% in the past year.
  • The Revenue has been growing slightly by 5.25% on average over the past years.
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. CIZN Valuation Analysis

4.1 Price/Earnings Ratio

  • CIZN is valuated reasonably with a Price/Earnings ratio of 9.73.
  • CIZN's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.50, CIZN is valued rather cheaply.
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

  • Based on the Price/Free Cash Flow ratio, CIZN is valued a bit cheaper than the industry average as 62.74% of the companies are valued more expensively.
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. CIZN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 8.69%, CIZN is a good candidate for dividend investing.
  • CIZN's Dividend Yield is rather good when compared to the industry average which is at 2.57. CIZN pays more dividend than 99.04% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, 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

  • CIZN pays out 87.87% of its income as dividend. 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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CIZN Fundamentals: All Metrics, Ratios and Statistics

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 %0.21%
Short Ratio1.63
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 Number0 (-100%)
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 Fundamental Analysis FAQ

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

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


What is the valuation status of CITIZENS HOLDING COMPANY (CIZN) stock?

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


Can you provide the profitability details for CITIZENS HOLDING COMPANY?

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


What is the valuation of CITIZENS HOLDING COMPANY based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CITIZENS HOLDING COMPANY (CIZN) is 9.73 and the Price/Book (PB) ratio is 1.45.


Can you provide the financial health for CIZN stock?

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