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About the company
Citizens Holding Company is a one-bank holding company and the parent company of The Citizens Bank of Philadelphia (the Bank). The Bank has banking locations in about 14 counties throughout the state of Mississippi. In addition to full service commercial banking, the Company offers mortgage loans, title insurance services through third party partnerships and a full range of Internet banking services, including online banking, bill pay and cash management services for businesses. Through its ownership of the Bank, the Company engages in a range of commercial and personal banking activities, including accepting demand deposits, savings and time deposit accounts, making secured and unsecured loans, issuing letters of credit, originating mortgage loans, and providing personal and corporate trust services. The Company also provides certain services that are closely related to commercial banking, such as credit life insurance and title insurance for its loan customers.
- Revenue in USD (TTM)53.63m
- Net income in USD3.58m
- Incorporated1982
- Employees246.00
- LocationCitizens Holding Co521 East Main StreetPHILADELPHIA 39350United StatesUSA
- Phone+1 (601) 656-4692
- Fax+1 (601) 656-4264
- Websitehttps://www.thecitizensbankphila.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Touchstone Bank | 20.85m | 1.60m | 39.33m | 63.00 | 24.87 | -- | -- | 1.61 | 0.4854 | 0.4854 | 7.42 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 6.60 | 13.98 | -- | -- | -- | -- | 1.21 | 37.27 | -60.44 | 40.28 | -- | 2.71 |
| Pacific Valley Bank | 26.02m | 4.85m | 39.97m | -- | 8.21 | 0.7735 | -- | 2.04 | 0.9909 | 0.9909 | 4.00 | 10.52 | -- | -- | -- | -- | 0.8468 | -- | -- | -- | -- | -- | 24.80 | -- | -- | -- | -- | -- | 23.82 | -- | -6.91 | -- | -- | -- |
| Lifestore Financial Group Inc | 16.55m | 1.93m | 40.42m | 111.00 | 21.32 | 2.58 | 13.79 | 3.12 | 1.84 | 1.84 | 12.33 | 15.21 | -- | -- | -- | -- | 0.7504 | -- | -- | -- | -- | -- | 14.91 | 0.0113 | -- | -- | -- | -- | -12.41 | -7.62 | 26.67 | -13.49 | -- | -- |
| First Resource Bank (Pennsylvania) | 29.47m | 5.93m | 40.90m | -- | 6.90 | 0.8873 | -- | 2.10 | 1.92 | 1.92 | 6.30 | 14.91 | -- | -- | -- | -- | 1.06 | 0.9683 | -- | -- | -- | -- | 30.44 | 26.64 | -- | -- | -- | -- | 42.11 | 17.85 | 5.35 | 22.31 | -- | -- |
| Touchmark Bancshares Inc | 14.93m | 7.81m | 41.41m | 24.00 | 5.31 | 0.5834 | -- | 2.37 | 1.74 | 1.74 | 3.89 | 15.86 | -- | -- | -- | -- | 1.97 | -- | -- | -- | -- | -- | 44.75 | -- | -- | -- | -- | -- | -6.43 | -- | -29.40 | -- | -- | -- |
| Solera National Bancorp Inc | 14.21m | 5.93m | 41.45m | 63.00 | 5.75 | 0.531 | -- | 2.66 | 1.68 | 1.68 | 4.52 | 18.15 | -- | -- | -- | -- | 1.65 | 1.42 | -- | -- | -- | -- | 38.04 | 37.48 | -- | -- | -- | -- | 31.62 | 21.61 | 66.59 | 27.26 | -- | -- |
| SHF Holdings Inc | 17.56m | -17.28m | 41.83m | 43.00 | -- | 1.20 | -- | 2.38 | -0.4257 | -0.4257 | 0.4063 | 0.6296 | 0.2099 | -- | 9.56 | 408,439.50 | -20.66 | -- | -31.46 | -- | -- | -- | -98.39 | -- | -- | -1.62 | 0.2897 | -- | 85.29 | -- | 50.81 | -- | -- | -- |
| 1895 Bancorp of Wisconsin Inc | 20.85m | -4.89m | 42.36m | 79.00 | -- | 0.5896 | -- | 3.87 | -0.8848 | -1.23 | 1.98 | 11.96 | -- | -- | -- | -- | -0.889 | -0.1252 | -- | -- | -- | -- | -44.71 | -4.04 | -- | -- | -- | -- | 26.87 | 4.48 | -3,205.41 | -- | -7.31 | -- |
| AmeriServ Financial, Inc. | 62.51m | -2.96m | 43.04m | 323.00 | -- | -- | -- | 0.8427 | -0.1725 | -0.1725 | 2.98 | -- | -- | -- | -- | -- | -- | 0.3393 | -- | -- | -- | -- | -5.79 | 8.09 | -- | -- | -- | 40.10 | 24.06 | 5.26 | -144.92 | -- | -8.42 | 9.86 |
| Mission Valley Bancorp | 33.55m | 7.36m | 44.07m | -- | 6.00 | 0.8364 | -- | 1.21 | 2.22 | 2.22 | 10.99 | 15.93 | -- | -- | -- | -- | 1.22 | 0.9318 | -- | -- | -- | -- | 20.13 | 18.02 | -- | -- | -- | 5.68 | 51.90 | 16.82 | 54.30 | 18.44 | -8.89 | -- |
| Citizens Holding Company | 53.63m | 3.58m | 44.20m | 246.00 | 12.30 | 0.9682 | -- | 1.05 | 0.6393 | 0.6393 | 7.53 | 8.12 | -- | -- | -- | -- | 0.2593 | 0.4883 | -- | -- | -- | -- | 8.49 | 15.21 | -- | -- | -- | 78.70 | 24.14 | 9.46 | -80.73 | -22.60 | 15.69 | -5.59 |
| Texas Community Bancshares Inc | 18.98m | -733.00k | 45.36m | 62.00 | -- | 0.8416 | -- | 3.97 | -0.2396 | -0.2396 | 3.72 | 16.91 | -- | -- | -- | -- | -0.1686 | -- | -- | -- | -- | -- | -6.42 | -- | -- | -- | -- | -- | 51.03 | -- | -141.79 | -- | -- | -- |
| Oak Ridge Financial Services, Inc. | 31.46m | 5.74m | 45.42m | 89.00 | 7.99 | 0.7873 | -- | 1.75 | 2.10 | 2.10 | 9.52 | 21.35 | -- | -- | -- | -- | 0.95 | 1.01 | -- | -- | -- | -- | 22.11 | 23.65 | -- | -- | -- | 13.57 | 30.85 | 9.71 | -13.82 | 7.60 | -- | -- |
| Bank of the James | 39.36m | 8.70m | 46.11m | 163.00 | 5.32 | 0.7681 | 5.70 | 1.08 | 1.91 | 1.91 | 9.34 | 13.21 | -- | -- | -- | -- | 0.9172 | 0.8305 | -- | -- | -- | -- | 20.43 | 18.69 | -- | -- | -- | 17.65 | 23.57 | 7.85 | -2.85 | 10.42 | -- | 7.96 |
| Highlands Bankshares Inc (West Virginia) | 24.76m | 3.56m | 46.79m | 4.00 | 13.15 | 0.8428 | -- | 2.17 | 2.66 | 2.66 | 16.13 | 41.53 | -- | -- | -- | -- | 0.6614 | 0.8173 | -- | -- | -- | -- | 16.49 | 18.90 | -- | -- | -- | 59.05 | 18.97 | 5.06 | -19.65 | -1.77 | 21.73 | 1.76 |
| Harford Bank | 27.15m | 6.46m | 46.90m | 88.00 | 7.31 | 0.7957 | 6.70 | 1.91 | 4.34 | 4.34 | 16.52 | 39.90 | -- | -- | -- | -- | 1.02 | -- | -- | -- | -- | -- | 26.28 | -- | -- | -- | -- | -- | 32.93 | -- | 25.99 | -- | -- | -- |
Data as of Apr 26 2024. Currency figures normalised to Citizens Holding Co's reporting currency: US Dollar USD
3.33%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Cadence Bank (Investment Management)as of 31 Dec 2023 | 83.76k | 1.49% |
| Mercer Global Advisors, Inc.as of 31 Dec 2023 | 43.87k | 0.78% |
| Bridgeway Capital Management LLCas of 04 Apr 2024 | 28.97k | 0.52% |
| Commerce Bank (Investment Management)as of 31 Dec 2023 | 14.50k | 0.26% |
| Dimensional Fund Advisors LPas of 04 Apr 2024 | 14.07k | 0.25% |
| Dimensional Fund Advisors Ltd.as of 29 Feb 2024 | 1.87k | 0.03% |
| BlackRock Investment Management LLCas of 31 Dec 2023 | 0.00 | 0.00% |
| Bank of America, NA (Private Banking)as of 31 Dec 2023 | 0.00 | 0.00% |
| Tower Research Capital LLCas of 31 Dec 2023 | 0.00 | 0.00% |
| The Vanguard Group, Inc.as of 31 Jan 2024 | 0.00 | 0.00% |
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Data from 31 Dec 2023 - 25 Apr 2024Source: FactSet Research Systems Inc.
