5 Undervalued Banks Stocks for Thursday, September 14
Discover the top 5 undervalued Banks stocks for Thursday, September 14 based on AAII’s Stock Grades.Grace Malone
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COMPANY SUMMARY
Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various banking products and services. It offers short-term and long-term demand, insured cash sweep, time, and non-interest-bearing deposits; health savings, individual retirement, business and personal savings and checking, and NOW and money market accounts; and long-term certificates of deposits, as well as mobile and remote deposits. The company also provides real estate land development and construction, farmland, 1-4 family mortgage, and commercial real estate loans; and business loans, including commercial and industrial, working capital, machinery and equipment, inventory, business acquisition, agricultural, municipal, commercial building, multi-family apartment, land development, and construction loans, as well as consumer and personal loans. In addition, it offers cash management, merchant services, credit and debit cards, online banking/bill pay, phone teller, in-branch services, electronic statements, credit boost CD, title insurance services, and lockbox services. Its digital services include digital banking, mobile banking app, mobile pay, and text message banking. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.
Commentary & Analysis
4 Undervalued Banks Stocks for Wednesday, July 19
Discover the top 4 undervalued Banks stocks for Wednesday, July 19 based on AAII’s Stock Grades.Eunice Kim
Is Citizens Holding Company (CIZN) a Good Dividend Stock?
Learn more about Citizens Holding Company's (CIZN) dividend history and yield. Also, check out how they are graded based on valuation, growth and strength.Issac Deleon
Financial Summary
| Share Statistics | CIZN | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $60.4 | $716.9 | 17% |
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| Shares Out (Mil) | 5.7 | 15.7 | 15% |
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| Institutional Ownership | na | 83.0% | na |
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| Float (Mil) | 5.7 | 21.2 | 13% |
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| Beta | na | 0.48 | na |
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| Avg Daily Volume (000s) | 4 | 53 | 12% |
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| Price Change (52-week) |
28.3% | 96.7% | 67% |
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| Growth | CIZN | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 4.3% | 7.6% | 33% |
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| Net Income (5yr) | 3.3% | 11.1% | 44% |
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| EPS (5yr) | 3.0% | 10.1% | 35 |
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| Dividends (5yr) | (47.0%) | 3.6% | 54% |
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| Cash Flow (5yr) | 21.8% | (17.0%) | 81% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | CIZN | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $52 | $190 | 20% |
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| Net Income (TTM) (Mil) | $8 | $51 | 45% |
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| EPS (TTM) | $1.442 | $2.500 | 66% |
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| Operating Cash Flow (TTM) (Mil) | $15 | $34 | 40% |
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| Net Cash Flow (TTM) (Mil) | na | $1 | na |
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| Long-Term Debt (Q1) (Mil) | $7 | $100 | 27% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CIZN | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.98 | 1.27 | 22% |
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| P/E | 7.5 | 12.9 | 8% |
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| Dividend Yield | 0.0% | 2.2% | 0% |
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| PEG (5yr hist) | 2.5 | 1.1 | 74% |
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| Ratios | CIZN | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 17.1% | 28.9% | 76% |
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| ROA | 0.6% | 1.0% | 42% |
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| ROE | 15.9% | 11.1% | 73% |
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| Liabilities to Assets | 95.9% | 89.8% | 93% |
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| F-Score | 4 | 4 | 34% |
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Citizens Holding Company did not pass any screens on 7/31/2026.
