Citizens Holding Company (CIZN) | Investment Case

1. Company Snapshot

1.a. Company Description

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.

Show Full description

1.b. Last Insights on CIZN

Citizens Holding Company's recent performance was positively driven by insider buying activity, with CEO Stacy Brantley and Director Vincent Craig Dungan purchasing common stock, demonstrating their confidence in the company's growth prospects. The company's efforts to raise capital to support recent growth and expand profitability are underway. Additionally, Citizens, Inc., a diversified financial services company, reported record agent growth and total direct insurance in force of $5.38 billion. Its adjusted net income increased 70% year-over-year.

1.c. Company Highlights

Last Price	7.8
Change Percentage	-4.53%
Open	8.18
Previous Close	8.17
Market Cap ( Millions)	44
Volume	5476
Year High	11
Year Low	6.44
M A 50	6.77
M A 200	7.78

FCF Yield	0.00%
Dividend Yield	4.62%
ROE	10.67%
Debt / Equity	586.72%
Net Debt / EBIDTA	4638.69%
Price To Book	0.86
Price Earnings Ratio	8.23
Price To FCF	0
Price To sales	0.56
EV / EBITDA	53.2

2. Transcript Summary

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3. NewsRoom

Citizens, Inc. Announces Plans for Upcoming Investor Conferences

Dec -02

Source: newsfilecorp.com

First Citizens Names Snow Holding Middle Market Banking Leader for Northeastern United States

Nov -20

Source: prnewswire.com

First Citizens Bank Purchases Office Building in San Francisco

Nov -19

Source: prnewswire.com

Citizens Bank, N.A. Announces Redemption of Senior Notes

Nov -17

Source: businesswire.com

Citizens Holding Company Announces Statement of Material Changes In Beneficial Ownership of Securities

Nov -14

Source: businesswire.com

American Integrity Insurance Group Accelerates Market Leadership With Assumption of More Than 7,000 Citizens Policies in November — Reinforcing Growth, Customer Retention Strength, and Florida Market Stability

Nov -13

Source: businesswire.com

First Citizens Wealth Expands California Bay Area Team, Appoints Lee Erby Region Head

Nov -12

Source: prnewswire.com

Citizens Financial Preferreds Reviewed: I Rate The Series E As The One To Own

Nov -11

Source: seekingalpha.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Banking and Related Activities

Expected Growth: 4.5%

Citizens Holding Company's Banking and Related Activities segment is expected to grow driven by increasing demand for digital banking services, rising adoption of credit cards, and a growing need for loan services among individuals and businesses.

7. Detailed Products

Personal Banking

Citizens Holding Company offers a range of personal banking services, including checking and savings accounts, credit cards, loans, and investment products.

Business Banking

The company provides business banking services, including commercial loans, cash management, and treasury management solutions.

Mortgage Lending

Citizens Holding Company offers a variety of mortgage loan options, including fixed-rate and adjustable-rate mortgages, refinancing, and construction loans.

Investment Services

The company provides investment services, including brokerage, retirement planning, and wealth management.

Insurance Services

Citizens Holding Company offers a range of insurance products, including life insurance, disability insurance, and long-term care insurance.

Treasury Management

The company provides treasury management services, including cash management, fraud prevention, and account management.

8. Citizens Holding Company's Porter Forces

Forces Ranking

Threat Of Substitutes

Citizens Holding Company operates in a niche market, and substitutes are limited, but not impossible. The company's unique services and customer relationships reduce the threat of substitutes.

Bargaining Power Of Customers

Citizens Holding Company's customers are primarily individuals and small businesses, which have limited bargaining power. The company's strong relationships and personalized services reduce the bargaining power of customers.

Bargaining Power Of Suppliers

Citizens Holding Company relies on a few key suppliers for its operations. While the company has some bargaining power, suppliers also have some leverage, particularly in terms of pricing and delivery schedules.

Threat Of New Entrants

The banking industry has significant barriers to entry, including regulatory hurdles and capital requirements. Citizens Holding Company's established presence and strong relationships reduce the threat of new entrants.

Intensity Of Rivalry

The banking industry is highly competitive, with many established players competing for market share. Citizens Holding Company faces intense rivalry from larger banks and online lenders, which can impact its market share and pricing power.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	29.62%
Debt Cost	4.03%
Equity Weight	70.38%
Equity Cost	4.03%
WACC	4.03%
Leverage	42.08%

11. Quality Control: Citizens Holding Company passed 3 out of 9 key points

Strong Liquidity

Low Debt

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Landmark Bancorp

A-Score: 6.8/10

Value: 6.5

Growth: 4.9

Quality: 5.4

Yield: 7.0

Momentum: 9.5

Volatility: 7.3

1-Year Total Return ->

LCNB

A-Score: 6.7/10

Value: 7.1

Growth: 6.1

Quality: 5.6

Yield: 9.0

Momentum: 5.0

Volatility: 7.3

1-Year Total Return ->

Northfield Bancorp

A-Score: 6.2/10

Value: 7.4

Growth: 4.7

Quality: 5.5

Yield: 8.0

Momentum: 5.0

Volatility: 6.7

1-Year Total Return ->

Kearny Financial

A-Score: 6.1/10

Value: 6.2

Growth: 5.8

Quality: 5.6

Yield: 9.0

Momentum: 3.5

Volatility: 6.3

1-Year Total Return ->

Citizens Holding

A-Score: 5.5/10

Value: 7.1

Growth: 4.0

Quality: 4.8

Yield: 9.0

Momentum: 1.0

Volatility: 7.3

1-Year Total Return ->

Triumph Financial

A-Score: 3.3/10

Value: 2.0

Growth: 3.6

Quality: 4.9

Yield: 4.0

Momentum: 1.0

Volatility: 4.3

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

0.56%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

4.03%

Citizens Holding Company - US1747151025

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on CIZN

1.c. Company Highlights

Weak Momentum

Lower Growth

Higher Yield

Fairly Valued

Average Growth

Medium Volatility

Stable Momentum

Strong Momentum

Average Yield

Lower Quality

Average Quality

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Banking and Related Activities

Expected Growth: 4.5%

7. Detailed Products

Personal Banking

Business Banking

Mortgage Lending

Investment Services

Insurance Services

Treasury Management

8. Citizens Holding Company's Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: Citizens Holding Company passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

7.8$

Current Price

7.8$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA