Citizens Holding Co. (Mississippi) (CIZN) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

MarketsMojo — Loved in India, Now Global

The power of Mojo is now in 29 countries. Explore global equities with the same cutting-edge features you love.Unlock 29 Markets

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Eagle Bancorp Montana, Inc.

SB Financial Group, Inc.

Rhinebeck Bancorp, Inc.

Village Bank & Trust Financial Corp.

Citizens Holding Co. (Mississippi)

Sound Financial Bancorp, Inc.

United Bancorp, Inc. (Ohio)

Pathfinder Bancorp, Inc.

Union Bankshares, Inc. (Vermont)

Auburn National Bancorporation, Inc.

Apptech Payments Corp.

Why is Citizens Holding Co. (Mississippi) ?

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

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 -9.18%, its profits have risen by 24.9% ; the PEG ratio of the company is 0.4

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

Underperformed the market in the last 1 year

Even though the market (S&P 500) has generated returns of 15.40% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -9.18% returns

Real-Time Research Report

Verdict Report

How 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, Medium Return

Absolute

Risk Adjusted

Volatility

Citizens Holding Co. (Mississippi)

-9.18%

0.46

30.41%

S&P 500

15.4%

0.78

19.62%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.70%

EBIT Growth (5y)

-3.23%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

65.41%

Pledged Shares

Institutional Holding

2.53%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

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

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bullish

RSI

Bearish

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Bearish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

13What is working for the Company

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

OPERATING PROFIT MARGIN(Q)

Highest at 13.06 %

PRE-TAX PROFIT(Q)

Highest at USD 2.31 MM

NET PROFIT(Q)

At USD 1.85 MM has Grown at 87.34%

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 0 MM

DIVIDEND PAYOUT RATIO(Y)

Lowest at 6.09%

DIVIDEND PER SHARE(HY)

Lowest at USD 0

Here's what is working for Citizens Holding Co. (Mississippi)

NII

Highest at USD 10.7 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 17.7 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 2.31 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 13.06 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 2.31 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 2.31 MM has Grown at 81.95%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 1.85 MM has Grown at 87.34%

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)

Operating Cash Flow

Lowest at USD 0 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Dividend per share

Lowest at USD 0

in the last five years

MOJO Watch

Company is distributing lower dividend than previous years

DPS (USD)

Dividend Payout Ratio

Lowest at 6.09%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)