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CITIZENS HOLDING CO /MS/

CIZN

— Price unavailable

16 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Weak

Bearish

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Analytical Summary

CITIZENS HOLDING CO /MS/ faces fundamental challenges with weakness in Debt to Equity. The fundamentals warrant careful consideration of downside risks.

Market Cap —

Dividend Yield —

Revenue Growth -15.7% ↘

Op. Margin 4.6% ↘

ROIC None

FCF / Share None

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity 4.12

info Valuation on last close.

16-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$38.63M

↓ -15.7% —

Net Income Profit after all expenses

$1.85M

↓ -80.7% —

Operating Margin Operating profit as % of sales

4.6%

↓ -81.7% 41th

Long-Term Debt Long-term obligations

$18.00M

— 0.0% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.72 Latest / share

-25.0% YoY

-1.8% 12-yr CAGR

$0.88

FY 2012

$0.88

FY 2013

$0.89

FY 2014

$0.93

FY 2015

$0.93

FY 2016

$0.96

FY 2017

$0.96

FY 2018

$0.96

FY 2019

$0.96

FY 2020

$0.96

FY 2021

$0.96

FY 2022

$0.72

FY 2023

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📈 Is growth accelerating? 7 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	-15.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-361%)	0.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-96%)	4.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-20%)	23.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+287%)	-0.3% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-105%)	0.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-98%)	2.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-67%)	-4.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-167%)	-0.8% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-114%)	1.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-69%)	-0.6% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-111%)	-4.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-175%)	2.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-57%)	-2.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-135%)	—	—
EPS Growth YoY (%)	-80.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	28.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	8.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	6.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-14.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	78.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-44.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-11.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	4.1% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	5.0% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-6.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.7% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	0.7% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-80.7% Weak ↓ Weak Declining Year-over-year change in net income	28.4% Excellent ↑ Excellent Improving Year-over-year change in net income	8.1% Fair ↓ Fair Declining Year-over-year change in net income	17.4% Good ↑ Good Improving Year-over-year change in net income	-11.6% Weak ↓ Weak Declining Year-over-year change in net income	80.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-45.0% Weak ↓ Weak Declining Year-over-year change in net income	-11.2% Weak ↓ Weak Declining Year-over-year change in net income	1.9% Caution ↑ Caution Improving Year-over-year change in net income	4.2% Caution ↑ Caution Improving Year-over-year change in net income	5.4% Fair ↑ Fair Improving Year-over-year change in net income	-6.0% Weak ↓ Weak Declining Year-over-year change in net income	0.8% Caution Caution Year-over-year change in net income	0.3% Caution Caution Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-4.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	9.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	0.6% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-0.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-1.1% Weak → Weak Stable Compound annual revenue growth over 3 years	-0.9% Weak Weak Compound annual revenue growth over 3 years	-1.4% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	1.7% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.8% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-0.6% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-0.2% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-0.3% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-1.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-0.3% Weak Weak Compound annual revenue growth over 5 years	-0.6% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-35.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	13.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	-0.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	17.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-5.4% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-4.5% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-20.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-2.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	3.7% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	0.9% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-0.2% Weak Weak Compound annual EPS growth over 3 years	-1.6% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	4.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	25.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.5% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	19.9% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	20.5% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	21.1% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	21.9% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	24.0% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	27.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	25.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.9% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.4% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	22.6% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	—	—	—
Effective Tax Rate (%) (%)	-4.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	52.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.6% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	4.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	21.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	16.4% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	15.9% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	16.7% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	18.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	10.4% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	19.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	21.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	19.9% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	18.8% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	19.1% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	19.5% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	19.0% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	24.7% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+105%)	7.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	5.8% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	5.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	8.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	4.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	7.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	8.8% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	9.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	10.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	7.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	8.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	9.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	9.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	4.12x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+243%)	3.73x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+211%)	1.23x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.85x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+54%)	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$6.90	$8.19	$8.18	$7.82	$6.99	$7.26	$7.27	$7.14	$7.43	$7.50	$7.36	$7.43	$7.80	$7.61	$7.75	—
Basic EPS, GAAP (USD)	$0.33	$1.72	$1.34	$1.24	$1.17	$1.36	$0.76	$1.38	$1.56	$1.53	$1.47	$1.40	$1.49	$1.48	$1.47	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.72	$0.96	$0.96	$0.96	$0.96	$0.96	$0.96	$0.93	$0.93	$0.89	$0.88	$0.88	$0.88	$0.85	$0.81	—
Book Value per Share (USD)	$7.62	$6.96	$18.93	$21.40	$20.22	$17.10	$18.07	$17.48	$17.73	$16.78	$13.61	$18.28	$17.77	$15.77	$15.37	—
Tangible Book Value per Share (USD)	$5.30	$4.64	$16.60	$19.07	$17.87	$16.46	$18.07	$17.48	$17.73	$16.14	$12.96	$16.98	$17.10	$15.06	$15.37	—
Basic Weighted Avg Shares (shares)	5.60M	5.59M	5.58M	5.58M	5.06M	4.89M	4.88M	4.87M	4.87M	4.87M	4.87M	4.86M	4.84M	4.84M	4.85M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$18.00M	$18.00M	$18.00M	$0.00	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$42.77M	$39.02M	$105.90M	$119.55M	$112.80M	$83.87M	$88.45M	$85.06M	$86.43M	$81.86M	$66.27M	$88.87M	$86.08M	$76.30M	$74.60M	$71.40M

📋 What is driving earnings? 4 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$38.63M	$45.79M	$45.68M	$43.59M	$35.39M	$35.50M	$35.46M	$34.76M	$36.22M	$36.52M	$35.85M	$36.08M	$37.77M	$36.82M	$37.61M	—
Depreciation Expense (USD)	$1.44M	$1.27M	$1.17M	$1.01M	$899.00K	$937.00K	—	—	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$1.85M	$9.62M	$7.49M	$6.93M	$5.90M	$6.67M	$3.70M	$6.74M	$7.59M	$7.45M	$7.15M	$6.78M	$7.22M	$7.16M	$7.14M	—
Operating Cash Flow (USD)	$5.52M	$13.76M	$17.49M	$14.04M	$11.95M	$12.17M	$10.62M	$10.08M	—	—	$11.21M	$11.09M	$11.79M	$17.52M	$9.82M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.1%	2.6%	2.5%	2.3%	2.1%	2.8%	2.7%	—	2.9%	3.1%	3.2%	3.3%	3.6%	3.6%	—	—
Efficiency Ratio (%) (%)	93.7%	74.6%	77.4%	76.7%	77.9%	77.9%	79.6%	76.2%	70.7%	72.1%	69.0%	72.3%	69.5%	68.2%	68.7%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 16 years · 58 quarters

CITIZENS HOLDING CO /MS/

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16-Year Financial Trajectory

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