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Upturn AI SWOT - About
CIZN 
Citizens Holding Company (CIZN)
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Upturn Advisory Summary
02/25/2025: CIZN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -6.13% | Avg. Invested days 32 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 02/25/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 45.66M USD | Price to earnings Ratio 24.55 | 1Y Target Price 24 |
Price to earnings Ratio 24.55 | 1Y Target Price 24 | ||
Volume (30-day avg) 2158 | Beta -0.03 | 52 Weeks Range 7.42 - 11.00 | Updated Date 03/31/2025 |
52 Weeks Range 7.42 - 11.00 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 6.19% | Basic EPS (TTM) 0.33 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-03-27 | When Before Market | Estimate - | Actual - |
Profitability
Profit Margin 11.98% | Operating Margin (TTM) 14.3% |
Management Effectiveness
Return on Assets (TTM) 0.38% | Return on Equity (TTM) 12.09% |
Valuation
Trailing PE 24.55 | Forward PE - | Enterprise Value 338861536 | Price to Sales(TTM) 1 |
Enterprise Value 338861536 | Price to Sales(TTM) 1 | ||
Enterprise Value to Revenue 1.68 | Enterprise Value to EBITDA - | Shares Outstanding 5637060 | Shares Floating 4760442 |
Shares Outstanding 5637060 | Shares Floating 4760442 | ||
Percent Insiders 17.51 | Percent Institutions - |
Analyst Ratings
Rating - | Target Price 24 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Citizens Holding Company
Company Overview
History and Background
Citizens Holding Company (CIZN) was founded in 1908 and is headquartered in Philadelphia, Mississippi. It operates as a bank holding company for The Citizens Bank, providing community banking services in Mississippi. Over time, it has expanded its services and geographic reach within the region.
Core Business Areas
- Community Banking: Provides a range of banking services, including deposit accounts, loans, and other financial products to individuals and businesses.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure is typical of a community bank holding company, with a board of directors overseeing management and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offerings include term loans, lines of credit, and real estate financing for businesses. Citizens Holding primarily operates within Mississippi, competing with other regional and national banks for market share. Market share data specific to Citizens Holding Company for Commercial Loans is not readily available. Competitors include Cadence Bank and Renasant Bank.
- Personal Banking Services: Includes checking accounts, savings accounts, mortgage loans, and consumer loans. Citizens Holding competes with other community banks and national chains. Market share data specific to Citizens Holding Company for Personal Banking Services is not readily available. Competitors include BankPlus and Trustmark National Bank.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges and opportunities related to rising interest rates, increased regulatory scrutiny, and technological advancements. Community banks play a vital role in local economies by providing financing and financial services to small businesses and individuals.
Positioning
Citizens Holding Company positions itself as a community-focused bank, emphasizing personalized service and local expertise. Its competitive advantages include its long-standing presence in the region and strong customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in Mississippi is estimated to be in the billions of dollars annually. Citizens Holding Company's position within this TAM is relatively small, reflecting its status as a regional community bank.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Community focus
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Dependence on the Mississippi economy
- Lower brand recognition compared to large national banks
Opportunities
- Expansion into new markets within Mississippi
- Increased demand for community banking services
- Technological advancements to improve efficiency
- Acquisitions of other community banks
Threats
- Increased competition from larger banks
- Economic downturn in Mississippi
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Cadence Bank (CADE)
- Renasant Corporation (RNST)
- Trustmark Corporation (TRMK)
Competitive Landscape
Citizens Holding Company faces intense competition from larger regional and national banks. Its advantages include its strong local presence and customer relationships, while its disadvantages include its smaller scale and limited resources.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Citizens Holding Company's historical growth has been moderate, reflecting the stability of the community banking sector.
Future Projections: Future growth projections for Citizens Holding Company are dependent on analyst estimates, which need to be obtained from reputable financial analysis sources. Placeholder values are provided for demonstration only.
Recent Initiatives: Recent strategic initiatives may include branch expansions, technological upgrades, and new product offerings. Requires access to the latest information to determine initiatives.
Summary
Citizens Holding Company is a stable community bank with a strong local presence. Its conservative approach ensures stability, but its smaller size limits growth potential compared to regional competitors. Management should focus on improving operational efficiency and leveraging technology to enhance customer experience while navigating interest rate and regulatory challenges. Growth by acquisition may be an option but due diligence needs to be performed on whether that makes long term sense to its shareholders.
Similar Companies
- CADE
- RNST
- TRMK
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
- Analyst Reports (when available)
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share estimates are approximate and may vary depending on the source and methodology.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Citizens Holding Company
Exchange NASDAQ | Headquaters Philadelphia, MS, United States | ||
IPO Launch date 1999-10-19 | President, CEO & Director Mr. Stacy M. Brantley | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | |
Full time employees - | |||
Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various commercial and personal banking products and services. It offers demand deposits; and savings and time deposit accounts. The company also provides secured and unsecured loans; mortgage loans; single and multi-family housing, farm, residential and commercial construction, and commercial real estate loans; commercial, industrial, and agricultural production loans; and consumer loans, as well as issues letters of credit. In addition, it offers personal and corporate trust services; credit life and title insurance; and online and mobile banking services. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.
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