Citizens Holding Company (CIZN)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 43 | 45 | 45 | 38 | 42 | 54 | 58 | - |
| Operating profit | $m | 10 | 11 | ||||||
| Net profit | $m | 7 | 7 | 10 | 2 | 5 | 8 | 10 | - |
| EPS reported | $ | 1.44 | 1.68 | ||||||
| Operating cashflow per share | $ | 2.69 | 0.00 | ||||||
| Capex per share | $ | 0.29 | 0.00 | ||||||
| FCF per share | $ | 2.41 | 0.00 | ||||||
| Free cash flow | $m | 14 | 0 | ||||||
| Net debt | $m | 71 | 127 | ||||||
| Book value equity | $m | 62 | 70 | ||||||
| Book value per share | $ | 10.98 | 12.21 | ||||||
| Number of shares | m | 5.66 | 5.71 | ||||||
| DPS (TTM paid) | $ | 0.04 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 5.49 | 6.89 | ||||||
| P/B LTM | x | 0.72 | 0.64 | ||||||
| P/S LTM | x | 0.82 | 0.77 | ||||||
| P/FCF LTM | x | 3.29 | 0.00 | ||||||
| EV/EBITDA LTM | x | 12.07 | 10.45 | ||||||
| EV/Sales LTM | x | 1.39 | 2.20 | ||||||
| Earnings Yield LTM | % | +18.21% | +14.51% | ||||||
| FCF Yield | % | +30.41% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +13.12% | +15.01% | ||||||
| ROIC | % | +11.30% | +0.61% | ||||||
| Operating margin | % | +11.55% | +13.00% | ||||||
| Gross margin | % | +62.92% | +65.15% | ||||||
| FCF/Sales | % | +16.45% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +46.94% | +71.43% | ||||||
| Sales Growth YoY | % | +28.82% | +38.55% | ||||||
| Net Income Growth YoY | % | +48.43% | +73.30% | ||||||
| FCF Growth | % | +115.76% | -100.00% | ||||||
| Operating Profit Growth | % | +302.15% | +364.36% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.51% | 0.00% | ||||||
| Dividend Growth | % | -93.75% | -100.00% | ||||||
| Payout Ratio | % | +2.77% | +2.77% | ||||||
| FCF/Debt | x | 0.15 | 0.00 | ||||||
| Net Debt/EBITDA | x | 7.39 | 11.51 | ||||||
| EBIT/Net interest | x | 0.34 | 0.42 | ||||||
| Net debt/market cap | % | +1.96% | +2.41% | ||||||
| Net debt/Equity | x | 1.14 | 1.82 | ||||||
| Gross debt/equity | x | 1.41 | 2.07 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Citizens Holding Company functions as the parent corporation for The Citizens Bank of Philadelphia, a financial institution that delivers a comprehensive suite of banking solutions designed for both individual consumers and commercial enterprises. Its offerings include various deposit accounts, such as checking, savings, and term deposits. The company also extends a diverse range of credit products, encompassing both secured and unsecured loans. These credit facilities span mortgages, financing for single and multi-family residences, farm operations, residential and commercial construction projects, and general commercial real estate. Additionally, they provide industrial, agricultural production, and consumer loans, alongside issuing letters of credit. Beyond traditional banking, the company provides personal and corporate trust administration, offers credit life and title insurance, and facilitates convenient digital banking through online and mobile platforms. Established in 1908, the company maintains its headquarters in Philadelphia, Mississippi.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Citizens Holding Company (CIZN)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Citizens Holding Company functions as the parent corporation for The Citizens Bank of Philadelphia, a financial institution that delivers a comprehensive suite of banking solutions designed for both individual consumers and commercial enterprises. Its offerings include various deposit accounts, such as checking, savings, and term deposits. The company also extends a diverse range of credit products, encompassing both secured and unsecured loans. These credit facilities span mortgages, financing for single and multi-family residences, farm operations, residential and commercial construction projects, and general commercial real estate. Additionally, they provide industrial, agricultural production, and consumer loans, alongside issuing letters of credit. Beyond traditional banking, the company provides personal and corporate trust administration, offers credit life and title insurance, and facilitates convenient digital banking through online and mobile platforms. Established in 1908, the company maintains its headquarters in Philadelphia, Mississippi.
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