ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Citizens Holding Co. (Mississippi) ?
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
- Over the past year, while the stock has generated a return of -1.02%, its profits have risen by 24.9% ; the PEG ratio of the company is 0.4
3
Falling Participation by Institutional Investors
- Institutional investors have decreased their stake by -5.37% over the previous quarter and collectively hold 2.53% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
4
Underperformed the market in the last 1 year
- Even though the market (S&P 500) has generated returns of 12.26% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -1.02% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Citizens Holding Co. (Mississippi) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Citizens Holding Co. (Mississippi) for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Citizens Holding Co. (Mississippi)
-9.23%
0.82
30.36%
S&P 500
14.9%
0.62
19.74%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.02%
EBIT Growth (5y)
1.42%
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
2.78%
Pledged Shares
0
Institutional Holding
0.26%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.85
EV to EBIT
7.94
EV to EBITDA
7.94
EV to Capital Employed
0.89
EV to Sales
1.06
PEG Ratio
0.13
Dividend Yield
2.14%
ROCE (Latest)
11.19%
ROE (Latest)
13.09%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NII(Q)
Highest at USD 11.38 MM
ROCE(HY)
Highest at 0.55%
NET SALES(Q)
Highest at USD 18.27 MM
NET PROFIT(Q)
At USD 2.08 MM has Grown at 57.74%
-3What is not working for the Company
ROCE(HY)
Lowest at 0.55%
DIVIDEND PER SHARE(HY)
Lowest at USD 0
Here's what is working for Citizens Holding Co. (Mississippi)
NII
Highest at USD 11.38 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 18.27 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Profit
At USD 2.08 MM has Grown at 57.74%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Here's what is not working for Citizens Holding Co. (Mississippi)
Dividend per share
Lowest at USD 0
in the last five yearsMOJO Watch
Company is distributing lower dividend than previous years
DPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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