SharesGrow.com Intrinsic Value of S&P & Nasdaq Contact Us

हिन्दी

← Back to all stocks

Citizens Holding Company CIZN OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Citizens Holding Company (CIZN) is a Banks - Regional company in the Financial Services sector, currently trading at $8.96. It has a SharesGrow Score of 60/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $83M, +30.6%/yr average growth. Net income is $8M, growing at +54.6%/yr. Net profit margin is 9.9% (thin). Gross margin is 62.9% (-37.1 pp trend).

Balance sheet: total debt is $88M against $62M equity (Debt-to-Equity (D/E) ratio 1.41, moderate). Current ratio is 0.97 (tight liquidity). Debt-to-assets is 5.8%. Total assets: $1.5B.

Analyst outlook: 0 / 2 analysts rate CIZN as buy (0%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 100/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 35/100 (Fail), Future 20/100 (Fail), Income 45/100 (Partial).

CIZN SharesGrow Score Overview

60/100

SharesGrow Score

Above average fundamentals

View full scorecard →

VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 100/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 17/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 20/100

Analyst outlook — as buy

INCOME 45/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — CIZN

CIZN trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

View details →

CIZN: +30.6%/yr revenue is, +54.6%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

View details →

CIZN: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

View details →

Balance sheet CIZN: Debt-to-Equity (D/E) ratio 1.41 (moderate), Current ratio is 0.97 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

View details →

CIZN: Gross margin is 62.9% (-37.1 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

View details →

Analyst outlook: 0 / 2 analysts rate CIZN as buy (0%). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.

View details →

CIZN: Net profit margin is 9.9%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

View details →

Stock Chart & Stats

Market Data

52-Week Range6.44-10

Volume200

Avg Volume (30D)2.78K

Market Cap$50.39M

Beta (1Y)0.01

Dividend Yield$0.0200

Share Statistics

EPS (TTM)1.44

Shares Outstanding$5.65M

IPO Date1999-10-19

Employees246

CEOStacy Brantley

Financial Highlights & Ratios

Revenue (TTM)$82.65M

Gross Profit$52M

EBITDA$9.55M

Net Income$8.15M

Operating Income$9.55M

Total Cash$17.14M

Total Debt$87.7M

Net Debt$70.56M

Total Assets$1.51B

Price / Earnings (P/E)6.2

Price / Sales (P/S)0.61

Analyst Forecast

Rating ConsensusHold

Analysts Covering2

Buy 0% Hold 100% Sell 0%

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS1747151025

Price Chart

CIZN

Citizens Holding Company ↗ · Other OTC

Financial Services • Banks - Regional

6.44 52WK RANGE 10.00

People Also View

Community West Bancshares

First Financial Northwest, Inc.

First Capital, Inc.

HMN Financial, Inc.

Lake Shore Bancorp, Inc.

Magyar Bancorp, Inc.

First Northwest Bancorp

Oconee Federal Financial Corp.

Contact Us

🎓

SharesGrow Academy

Learn how to calculate Intrinsic Value and find undervalued stocks.

Weekly live sessions

📧 [email protected]

📞 +65 8912 8000

Send us a message