CITIZENS HOLDING COMPANY (CIZN)
US1747151025 - Common Stock
We assign a fundamental rating of 2 out of 10 to CIZN. CIZN was compared to 412 industry peers in the Banks industry. CIZN has a bad profitability rating. Also its financial health evaluation is rather negative. CIZN does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
CIZN had positive earnings in the past year.
CIZN had a positive operating cash flow in the past year.
Each year in the past 5 years CIZN has been profitable.
In the past 5 years CIZN always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.36%, CIZN is not doing good in the industry: 91.59% of the companies in the same industry are doing better.
The Return On Equity of CIZN (14.90%) is better than 83.17% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
CIZN has a worse Profit Margin (12.20%) than 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 Rank | Sector 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
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 number of shares outstanding for CIZN has been increased compared to 5 years ago.
CIZN has a worse debt/assets ratio than last year.
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.
A Debt/Equity ratio of 4.93 is on the high side and indicates that CIZN has dependencies on debt financing.
CIZN has a worse Debt to Equity ratio (4.93) than 98.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.93 | ||
| Debt/FCF | 27.14 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.06%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CIZN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -42.77%.
Measured over the past years, CIZN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.06% on average per year.
Looking at the last year, CIZN shows a decrease in Revenue. The Revenue has decreased by -8.40% in the last year.
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 growth Q2Q-52.17%
Revenue 1Y (TTM)-8.4%
Revenue growth 3Y8.98%
Revenue growth 5Y5.25%
Revenue growth 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.
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.
The average S&P500 Price/Earnings ratio is at 24.84. CIZN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.73 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CIZN indicates a somewhat cheap valuation: CIZN is cheaper than 62.74% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.98 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.54
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
CIZN has a Yearly Dividend Yield of 8.69%, which is a nice return.
CIZN's Dividend Yield is rather good when compared to the industry average which is at 3.83. CIZN pays more dividend than 99.04% of the companies in the same industry.
CIZN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector 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
5.3 Sustainability
87.87% of the earnings are spent on dividend by CIZN. This is not a sustainable payout ratio.
The dividend of CIZN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP87.87%
EPS Next 2YN/A
EPS Next 3YN/A
CITIZENS HOLDING COMPANY
NASDAQ:CIZN (12/14/2023, 7:00:00 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)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap49.74M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.69% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.73 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.36% | ||
| ROE | 14.9% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 12.2% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.93 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-42.77%
EPS 3Y13.71%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-8.4%
Revenue growth 3Y8.98%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y