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Citizens Holding Co. (Mississippi)

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US1747151025
USD
8.90
0.19 (2.18%)

Feb 04

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  • Financials
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stock-summaryPrice Point
High/Low

1Day

8.908.91

52 Week

6.4410.24
Valuation
Technical
Day's Volume

CASH

4.05 k

Shareholding (Sep 2025)

FII

0.00%

Held by 0 FIIs

DII

100.0%

Held by 0 DIIs

Promoter

0.00%

How big is Citizens Holding Co. (Mississippi)?

22-Jun-2025

As of Jun 18, Citizens Holding Co. (Mississippi) has a market capitalization of 47.07 million, with shareholder's funds at 48.09 million and total assets of 1,471.90 million.

As of Jun 18, Citizens Holding Co. (Mississippi) has a market capitalization of 47.07 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters of 68.33 million and a net profit of 4.48 million.<BR><BR>As of Dec 24, the reporting period shows Shareholder's Funds at 48.09 million and Total Assets at 1,471.90 million.

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What does Citizens Holding Co. (Mississippi) do?

22-Jun-2025

Citizens Holding Company is a micro-cap, one-bank holding company engaged in commercial and personal banking activities, with recent net sales of $17 million and a net profit of $2 million. It has a market cap of $47.07 million, a P/E ratio of 11.00, and a dividend yield of 6.21%.

Overview: Citizens Holding Company is a one-bank holding company that engages in a range of commercial and personal banking activities within the Regional Banks industry, classified as a micro-cap company.<BR><BR>Financial Snapshot: Most recent Net Sales: 17 Million (Quarterly Results - Mar 2025). Most recent Net Profit: 2 Million (Quarterly Results - Mar 2025). Market cap: USD 47.07 Million (Micro Cap).<BR><BR>Key Metrics: P/E: 11.00. Dividend Yield: 6.21%. Debt Equity: 0.00. Return on Equity: 8.84%. Price to Book: 0.93.<BR><BR>Contact Details: Address: P O Box 209, PHILADELPHIA MS: 39350. Tel: 1 601 6564692. Website: http://www.citizensholdingcompany.com/

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Who are in the management team of Citizens Holding Co. (Mississippi)?

22-Jun-2025

As of March 2022, the management team of Citizens Holding Co. (Mississippi) includes Mr. Herbert King (Independent Chairman), Mr. Greg McKee (President and CEO), and several independent directors: Mr. Gregory Cronin, Ms. Jane Crosswhite, Dr. Vincent Dungan, Mr. Don Fulton, and Mr. Donald Kilgore. This team combines executive leadership with independent oversight for the company's governance.

As of March 2022, the management team of Citizens Holding Co. (Mississippi) includes the following individuals:<BR><BR>- Mr. Herbert King, who serves as the Independent Chairman of the Board.<BR>- Mr. Greg McKee, who is the President, Chief Executive Officer, and a Director.<BR>- Mr. Gregory Cronin, who is a Director.<BR>- Ms. Jane Crosswhite, who is an Independent Director.<BR>- Dr. Vincent Dungan, who is an Independent Director.<BR>- Mr. Don Fulton, who is an Independent Director.<BR>- Mr. Donald Kilgore, who is an Independent Director.<BR><BR>This team comprises a mix of executive leadership and independent directors, contributing to the governance and strategic direction of the company.

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Is Citizens Holding Co. (Mississippi) technically bullish or bearish?

20-Sep-2025

As of August 20, 2025, Citizens Holding Co. is in a bearish trend with strong indicators, including bearish MACD and moving averages, and has underperformed the S&P 500 significantly, showing a year-to-date return of -27.37% versus the S&P 500's 12.22%.

As of 20 August 2025, the technical trend for Citizens Holding Co. (Mississippi) has changed from mildly bearish to bearish. The current stance is bearish with strong indicators supporting this view. The MACD is bearish on both weekly and monthly time frames, and Bollinger Bands also indicate a bearish trend for both periods. Moving averages are bearish on the daily timeframe, and Dow Theory confirms a bearish outlook on both weekly and monthly scales. The KST is bearish weekly but mildly bullish monthly, while the OBV shows a mildly bearish trend in both time frames.<BR><BR>In terms of performance, the stock has significantly underperformed compared to the S&P 500 across multiple periods, with a year-to-date return of -27.37% versus the S&P 500's 12.22%, and a three-year return of -59.33% compared to the S&P 500's 70.41%.

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Is Citizens Holding Co. (Mississippi) overvalued or undervalued?

07-Oct-2025

As of October 3, 2025, Citizens Holding Co. is considered undervalued with a favorable valuation grade, reflected by a P/E ratio of 11 and a PEG ratio of 0.43, despite a year-to-date stock performance decline of -26.60%, underperforming the S&P 500's 14.18% return.

As of 3 October 2025, the valuation grade for Citizens Holding Co. (Mississippi) moved from fair to attractive, indicating a more favorable assessment of its worth. The company appears undervalued, supported by a P/E ratio of 11, a Price to Book Value of 0.95, and a PEG Ratio of 0.43, which suggests that the stock is trading at a discount relative to its growth potential.<BR><BR>In comparison to its peers, Eagle Bancorp Montana, Inc. has a higher P/E ratio of 11.43, while SB Financial Group, Inc. stands at 13.92, both indicating that Citizens Holding Co. may be undervalued relative to these competitors. Despite this attractive valuation, the company's recent stock performance has been poor, with a year-to-date return of -26.60%, significantly underperforming the S&P 500's return of 14.18% in the same period.

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Compare Citizens Holding Co. (Mississippi) with Similar Stocks

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard

1

Positive results in Jun 25

  • NII(Q) Highest at USD 10.7 MM
  • NET SALES(Q) Highest at USD 17.7 MM
  • OPERATING PROFIT(Q) Highest at USD 2.31 MM
2

With ROA of 0.21%, it has a very attractive valuation with a 0.95 Price to Book Value

3

Falling Participation by Institutional Investors

4

Underperformed the market in the last 1 year

stock-summaryMojo Parameters

Mojo Parameters

Stock DNA

stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 45 Million (Micro Cap)

stock-summary
P/E

11.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

2.50%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

12.68%

stock-summary
Price to Book

0.77

Revenue and Profits:
Net Sales:
18 Million
(Quarterly Results - Sep 2025)
Net Profit:
2 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
32.84%
0%
32.84%
6 Months
19.62%
0%
19.62%
1 Year
-9.18%
0%
-9.18%
2 Years
15.58%
0%
15.58%
3 Years
-40.86%
0%
-40.86%
4 Years
-50.83%
0%
-50.83%
5 Years
-55.37%
0%
-55.37%

Citizens Holding Co. (Mississippi) for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions

News

Icon
No Recent News for the Company

Announcements stock-summary

Icon
No announcement available

Corporate Actions stock-summary

Icon
No corporate action available
stock-summaryKey Factors

Quality key factors stock-summary

Factor
Value
Sales Growth (5y)
12.70%
EBIT Growth (5y)
-3.23%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
65.41%
Pledged Shares
0
Institutional Holding
2.53%
ROCE (avg)
0
ROE (avg)
0

Valuation key factors

Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.95
EV to EBIT
36.76
EV to EBITDA
36.76
EV to Capital Employed
0.99
EV to Sales
2.90
PEG Ratio
0.43
Dividend Yield
7.72%
ROCE (Latest)
2.69%
ROE (Latest)
8.84%

Technicals key factors

Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Sep 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Strategic Entities

Domestic Funds

Held in 0 Schemes (0%)

Foreign Institutions

Held by 0 Foreign Institutions (0%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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    "alert": "No Quarterly Results declared by Citizens Holding Co. (Mississippi)"
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    "link": "annual",
    "btn_text": "All Annual Results",
    "alert": "No Annual Results declared by Citizens Holding Co. (Mississippi)"
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stock-summaryCompany CV
About Citizens Holding Co. (Mississippi) stock-summary
stock-summary
Citizens Holding Co. (Mississippi)
Regional Banks
Citizens Holding Company is a one-bank holding company of The Citizens Bank of Philadelphia, Mississippi (the Bank). 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 related to commercial banking such as credit life insurance and title insurance for its loan customers. The Company’s lending area is East Central and South Mississippi, specifically Neshoba, Newton, Leake, Lamar, Forrest, Scott, Attala, Lauderdale, Oktibbeha, Lafayette, Rankin, Harrison, Jackson, Winston and Kemper counties and contiguous counties.
Company Coordinates stock-summary
Company Details
P O Box 209 , PHILADELPHIA MS : 39350
stock-summary
Tel: 1 601 6564692
stock-summary
http://www.citizensholdingcompany.com/
stock-summary
Registrar Details
Stock List
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