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Last update at 2026-06-24T13:39:00Z
Source: TradingView
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 9.55M | 6.91M | 1.78M | 11.50M | 8.93M |
| Minority interest | - | - | - | - | - |
| Net income | 8.15M | 5.49M | 1.85M | 9.62M | 7.49M |
| Selling general administrative | 26.22M | 21.72M | 19.52M | 20.52M | 18.46M |
| Selling and marketing expenses | - | - | 0.57M | 0.61M | 0.57M |
| Gross profit | 52.00M | - | 36.99M | 44.97M | 45.68M |
| Reconciled depreciation | 1.31M | 1.28M | 1.44M | 1.27M | 1.17M |
| Ebit | - | - | 1.78M | 16.29M | 8.93M |
| Ebitda | 9.55M | 2.37M | 3.22M | 17.57M | 10.10M |
| Depreciation and amortization | - | - | 1.44M | 1.27M | 1.17M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 9.55M | 2.37M | 1.78M | 16.29M | 8.93M |
| Other operating expenses | 73.10M | - | 55.29M | -28.67400M | 17.55M |
| Interest expense | 28.39M | 31.83M | 19.41M | 4.79M | 5.01M |
| Tax provision | 1.40M | 1.42M | -0.07400M | 1.88M | 1.43M |
| Interest income | 71.53M | 66.45M | 49.28M | 39.70M | 38.51M |
| Net interest income | 43.15M | 34.62M | 29.88M | 34.91M | 33.49M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 1.40M | 1.42M | -0.07400M | 1.88M | 1.43M |
| Total revenue | 82.64M | 73.95M | 57.07M | 44.97M | 45.68M |
| Total operating expenses | 42.45M | - | 35.21M | -28.67400M | 17.55M |
| Cost of revenue | 30.65M | - | 20.07M | - | - |
| Total other income expense net | - | 4.54M | 1.78M | -4.79200M | -5.01500M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 8.15M | 5.49M | 1.85M | 9.62M | 7.49M |
| Net income applicable to common shares | - | - | - | 9.62M | 7.49M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1511.32M | 1471.90M | 1404.60M | 1324.00M | 1361.34M |
| Intangible assets | 0.08M | 0.19M | 0.30M | 0.41M | 0.52M |
| Earning assets | - | - | - | - | - |
| Other current assets | 49.22M | 48.91M | - | 4.86M | 4.17M |
| Total liab | 1449.19M | 1423.82M | 1361.82M | 1284.98M | 18.33M |
| Total stockholder equity | 62.13M | 48.09M | 42.77M | 39.02M | 105.90M |
| Deferred long term liab | - | - | - | 9.87M | - |
| Other current liab | 285.29M | 900.62M | -19.24300M | -18.73200M | -18.32800M |
| Common stock | 1.13M | 1.12M | 1.12M | 1.12M | 1.12M |
| Capital stock | 1.13M | 1.13M | 1.12M | 1.12M | 1.12M |
| Retained earnings | 109.16M | 101.24M | 99.35M | 102.53M | 98.28M |
| Other liab | - | - | - | 11.95M | 11.88M |
| Good will | 13.03M | 13.03M | 13.03M | 13.03M | 13.03M |
| Other assets | 1439.19M | 1422.99M | 521.10M | 440.16M | -25.95400M |
| Cash | 17.14M | 42.27M | 94.48M | 28.59M | 79.24M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 74.22M | 1213.46M | 19.24M | 18.73M | 18.33M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 70.56M | 335.64M | -76.47600M | -10.59400M | -61.23600M |
| Short term debt | 74.22M | 312.84M | 18.00M | 18.00M | 18.00M |
| Short long term debt | 13.47M | 15.10M | 18.00M | 18.00M | 18.00M |
| Short long term debt total | 87.70M | 335.64M | 18.00M | 18.00M | 18.00M |
| Other stockholder equity | 18.82M | 18.70M | 18.59M | 18.45M | 18.29M |
| Property plant equipment | - | - | - | 27.70M | 27.20M |
| Total current assets | 72.13M | 48.91M | 277.50M | 234.78M | 715.24M |
| Long term investments | 504.74M | 557.56M | 565.59M | 781.65M | 631.84M |
| Net tangible assets | - | - | - | 25.58M | 93.80M |
| Short term investments | 73.69M | 187.34M | 177.79M | 201.32M | 631.84M |
| Net receivables | 5.77M | 5.62M | 5.23M | 4.86M | 4.17M |
| Long term debt | - | - | - | - | - |
| Inventory | - | - | - | 1.18M | 2.48M |
| Accounts payable | 1.20M | 1.51M | 1.24M | 0.73M | 0.33M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -66.97600M | -72.97400M | -76.28900M | -83.07000M | -11.79500M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | 1.12M | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | 102.53M | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -1444.69900M | -62.19600M | -605.99800M | -649.05900M | -672.04700M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | - | - | 606.00M | 649.06M | 672.05M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 59.03M | 6.65M | -9.78600M | -88.39600M | 20.43M |
| Change to liabilities | - | - | - | 0.40M | 0.00000M |
| Total cashflows from investing activities | -19.61400M | -107.28200M | -9.78600M | -88.34900M | 98.62M |
| Net borrowings | -239.05200M | 150.66M | 0.00000M | 14.81M | -90.51200M |
| Total cash from financing activities | 26.65M | 48.33M | 70.14M | 23.95M | -79.17900M |
| Change to operating activities | - | - | - | -0.07900M | -0.62200M |
| Net income | 8.15M | 5.49M | 1.85M | 9.62M | 7.49M |
| Change in cash | 22.24M | -52.20100M | 65.88M | -50.64200M | 36.93M |
| Begin period cash flow | 42.27M | 94.48M | 28.59M | 79.24M | 42.31M |
| End period cash flow | 64.52M | 42.27M | 94.48M | 28.59M | 79.24M |
| Total cash from operating activities | 15.21M | 6.75M | 5.52M | 13.76M | 17.49M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 1.31M | 1.28M | 1.44M | 1.27M | 1.17M |
| Other cashflows from investing activities | -77.52600M | -124.58400M | -56.52500M | 2.69M | 1.51M |
| Dividends paid | 0.23M | 3.61M | 4.04M | -5.37700M | -5.37000M |
| Change to inventory | - | - | 0.06M | - | -0.12200M |
| Change to account receivables | -0.15000M | -0.39300M | -0.36600M | -0.69400M | 1.81M |
| Sale purchase of stock | - | - | - | - | - |
| Other cashflows from financing activities | 265.93M | -98.72500M | 43.67M | 29.32M | -73.80900M |
| Change to netincome | - | - | - | 0.24M | 7.63M |
| Capital expenditures | 1.61M | 0.45M | 0.72M | 2.64M | 2.60M |
| Change receivables | - | - | - | -0.69400M | - |
| Cash flows other operating | - | - | - | -0.33400M | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | -50.64200M | - |
| Change in working capital | 0.80M | -0.68300M | -2.69700M | -0.77300M | 1.19M |
| Stock based compensation | 0.12M | 0.12M | 0.14M | 0.16M | 0.16M |
| Other non cash items | 6.26M | 1.94M | 5.15M | 3.08M | 6.91M |
| Free cash flow | 13.59M | 6.30M | 4.80M | 11.12M | 14.89M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CIZN Citizens Holding Company |
0.05 0.51% | 9.80 | 6.22 | 11.79 | 0.97 | 0.81 | 1.20 |
| HDB HDFC Bank Limited ADR |
0.62 2.48% | 25.64 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
- -% | 29.94 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
- -% | 52.37 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
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.
521 Main Street, Philadelphia, MS, United States, 39350
| Name | Title | Year Born |
|---|---|---|
| Mr. Gregory Lyle McKee | Pres, CEO & Director | 1962 |
| Mr. Phillip R. Branch | CFO & Treasurer | 1984 |
| Mr. Gregory E. Cronin | Pres of Gulf Coast & Director | 1963 |
| Mr. Mark D. Taylor | Sec. | NA |
| Mr. Stacy M. Brantley | President, CEO & Director | 1975 |
| Mr. Gregory E. Cronin | President of Gulf Coast & Director | 1963 |
| Mr. Mark D. Taylor | Secretary | NA |
| Mr. Phillip R. Branch CPA | CFO & Treasurer | 1983 |
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