CIZNOTCState Commercial BanksFiscal year ends December 31
CITIZENS HOLDING CO /MS/
Financials through Q4 FY2023, quarter ended Dec 31, 2023Last filing: 10-K on Mar 29, 2024
$8.75+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $49.03M
- P/E (TTM)
- 26.5
- Dividend yield
- 8.23%
Citizens statistics
Financials through Dec 31, 2023, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Citizens | Industry median |
|---|---|---|
| Market Cap | $49.21M | $679.86M |
| Enterprise Value | $112.82M | $408.94M |
| PE Ratio | 26.52 | 11.99 |
| PS Ratio | 1.27 | 3.59 |
| PB Ratio | 1.15 | 1.18 |
| P/TBV Ratio | 1.67 | 1.41 |
| P/FCF Ratio | 10.24 | 10.89 |
| P/OCF Ratio | 8.91 | 10.01 |
Enterprise value
| Measure | Citizens | Industry median |
|---|---|---|
| EV / Sales | 2.92 | 2.76 |
| EV / FCF | 23.48 | 8.23 |
Income (trailing twelve months)
| Measure | Citizens | Industry median |
|---|---|---|
| Revenue | $38.63M | $170.85M |
| Pretax Income | $1.78M | $70.12M |
| Net Income | $1.85M | $54.33M |
| EPS (Diluted) | $0.33 | $2.91 |
Margins
| Measure | Citizens | Industry median |
|---|---|---|
| Pretax Margin | 4.61% | 36.5% |
| Profit Margin | 4.80% | 29.1% |
| FCF Margin | 12.4% | 33.2% |
Returns
| Measure | Citizens | Industry median |
|---|---|---|
| Return on Equity (ROE) | 4.53% | 10.6% |
| Return on Assets (ROA) | 0.14% | 1.12% |
Growth
| Measure | Citizens | Industry median |
|---|---|---|
| Revenue Growth (YoY) | -15.7% | 11.8% |
| Net Income Growth (YoY) | -80.7% | 23.2% |
| EPS Growth (YoY) | -80.8% | 23.1% |
| FCF Growth (YoY) | -56.8% | 28.5% |
| Revenue Growth (3Y CAGR) | -3.95% | 5.82% |
| Revenue Growth (5Y CAGR) | 1.70% | 6.17% |
| EPS Growth (3Y CAGR) | -35.7% | 1.31% |
| EPS Growth (5Y CAGR) | -24.7% | 8.24% |
Balance sheet
| Measure | Citizens | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $94.48M | $205.54M |
| Total Debt | $158.09M | $177.19M |
| Net Cash (Debt) | -$63.61M | $164.40M |
| Net Cash Per Share | -$11.31 | $8.13 |
| Equity (Book Value) | $42.77M | $563.88M |
| Book Value Per Share | $7.61 | $28.47 |
| Tangible Book Value | $29.44M | $475.36M |
Financial position
| Measure | Citizens | Industry median |
|---|---|---|
| Debt / Equity | 3.70 | 0.20 |
| Debt / FCF | 32.90 | 1.81 |
Cash flow (trailing twelve months)
| Measure | Citizens | Industry median |
|---|---|---|
| Operating Cash Flow | $5.52M | $61.52M |
| Capital Expenditures | -$718.00K | -$4.08M |
| Free Cash Flow | $4.81M | $52.15M |
| FCF Per Share | $0.85 | $3.05 |
Efficiency
| Measure | Citizens | Industry median |
|---|---|---|
| Asset Turnover | 0.03 | 0.04 |
| Revenue Per Employee | $157.02K | $353.78K |
| Profits Per Employee | $7.54K | $107.28K |
| Employee Count | 246 | 489 |
Dividends and yields
| Measure | Citizens | Industry median |
|---|---|---|
| Earnings Yield | 3.77% | 8.13% |
| FCF Yield | 9.76% | 8.91% |
| Dividend Yield | 8.23% | 2.48% |
| Shareholder Yield | 8.23% | 3.13% |
| Dividend Per Share | $0.72 | $0.93 |
| Dividend Growth (YoY) | -25.0% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
| Payout Ratio | 218.0% | 29.3% |
| FCF Payout Ratio | 84.1% | 26.0% |
Shares
| Measure | Citizens | Industry median |
|---|---|---|
| Shares Outstanding | 5,624,050 | 18,839,100 |
| Shares Change (YoY) | 0.15% | 0.40% |
| Float | 5,624,050 | 17,061,900 |
| Shares Held by Insiders | 0.00% | 5.89% |
| Shares Held by Institutions | 0.00% | 61.9% |
Taxes
| Measure | Citizens | Industry median |
|---|---|---|
| Income Tax | -$74.00K | $14.50M |
| Effective Tax Rate | -4.16% | 21.1% |
Scores
| Measure | Citizens | Industry median |
|---|---|---|
| Graham Number | $7.51 | $45.31 |
| Graham Upside | -14.1% | 21.9% |
| Altman Z-Score | 0.15 | 0.21 |
| Piotroski F-Score | 4 | 6 |
Calculated by StockData from Citizens's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.