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How to buy Citizens Holding Company stock | $21.55

Own Citizens Holding Company stock in just a few minutes.

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Citizens Holding Company is a banks—regional business based in the US. Citizens Holding Company shares (CIZN) are listed on the NASDAQ and all prices are listed in US Dollars. Citizens Holding Company employs 264 staff and has a trailing 12-month revenue of around USD$38.4 million.

How to buy shares in Citizens Holding Company

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for Citizens Holding Company. Find the stock by name or ticker symbol: CIZN. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Citizens Holding Company reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. At last close price of USD$21.55, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Citizens Holding Company, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of Citizens Holding Company. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Citizens Holding Company share price

Use our graph to track the performance of CIZN stocks over time.

Citizens Holding Company shares at a glance

Information last updated 2020-10-20.
Latest market close USD$21.55
52-week range USD$17.26 - USD$27.94
50-day moving average USD$21.1397
200-day moving average USD$21.9207
Wall St. target price USD$24
PE ratio 19.0901
Dividend yield USD$0.96 (4.53%)
Earnings per share (TTM) USD$1.097

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Citizens Holding Company stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Citizens Holding Company price performance over time

Historical closes compared with the close of $21.55 from 2020-11-16

1 week (2020-11-25) 5.79%
1 month (2020-11-06) 1.22%
3 months (2020-09-04) -3.10%
6 months (2020-06-05) -15.29%
1 year (2019-12-05) -3.88%
2 years (2018-12-04) 9.95%
3 years (2017-12-05) -9.26%
5 years (2015-12-04) 0.56%

Is Citizens Holding Company under- or over-valued?

Valuing Citizens Holding Company stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Citizens Holding Company's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Citizens Holding Company's P/E ratio

Citizens Holding Company's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 19x. In other words, Citizens Holding Company shares trade at around 19x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Citizens Holding Company financials

Revenue TTM USD$38.4 million
Operating margin TTM 20.68%
Gross profit TTM USD$34.8 million
Return on assets TTM 0.49%
Return on equity TTM 5.5%
Profit margin 15.44%
Book value $21.368
Market capitalisation USD$116.7 million

TTM: trailing 12 months

Shorting Citizens Holding Company shares

There are currently 63,155 Citizens Holding Company shares held short by investors – that's known as Citizens Holding Company's "short interest". This figure is 12.8% down from 72,395 last month.

There are a few different ways that this level of interest in shorting Citizens Holding Company shares can be evaluated.

Citizens Holding Company's "short interest ratio" (SIR)

Citizens Holding Company's "short interest ratio" (SIR) is the quantity of Citizens Holding Company shares currently shorted divided by the average quantity of Citizens Holding Company shares traded daily (recently around 5569.2239858907). Citizens Holding Company's SIR currently stands at 11.34. In other words for every 100,000 Citizens Holding Company shares traded daily on the market, roughly 11340 shares are currently held short.

However Citizens Holding Company's short interest can also be evaluated against the total number of Citizens Holding Company shares, or, against the total number of tradable Citizens Holding Company shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Citizens Holding Company's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 Citizens Holding Company shares in existence, roughly 10 shares are currently held short) or 0.0125% of the tradable shares (for every 100,000 tradable Citizens Holding Company shares, roughly 13 shares are currently held short).

A SIR above 10% would generally be considered pretty high, pointing to a potentially pessimistic outlook for the share price and a discouraging interest in betting against Citizens Holding Company.

Find out more about how you can short Citizens Holding Company stock.

Citizens Holding Company share dividends

88%

Dividend payout ratio: 87.59% of net profits

Recently Citizens Holding Company has paid out, on average, around 87.59% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 4.53% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Citizens Holding Company shareholders could enjoy a 4.53% return on their shares, in the form of dividend payments. In Citizens Holding Company's case, that would currently equate to about $0.96 per share.

Citizens Holding Company's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

Citizens Holding Company's most recent dividend payout was on 30 September 2020. The latest dividend was paid out to all shareholders who bought their shares by 15 September 2020 (the "ex-dividend date").

Have Citizens Holding Company's shares ever split?

Citizens Holding Company's shares were split on a 3:2 basis on 2 January 2002. So if you had owned 2 shares the day before before the split, the next day you'd have owned 3 shares. This wouldn't directly have changed the overall worth of your Citizens Holding Company shares – just the quantity. However, indirectly, the new 33.3% lower share price could have impacted the market appetite for Citizens Holding Company shares which in turn could have impacted Citizens Holding Company's share price.

Citizens Holding Company share price volatility

Over the last 12 months, Citizens Holding Company's shares have ranged in value from as little as $17.26 up to $27.94. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Citizens Holding Company's is 0.0414. This would suggest that Citizens Holding Company's shares are less volatile than average (for this exchange).

Citizens Holding Company overview

Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various commercial and personal banking products and services. The company offers demand deposits, as well as savings and time deposit accounts. It also provides secured and unsecured loans; mortgage loans; installment loans; credit card loans; single and multi-family housing, farm, residential and commercial construction, and commercial real estate loans; commercial, industrial, and agricultural production loans; and consumer loans, as well as issues letters of credit. In addition, the company offers personal and corporate trust services; credit life and title insurance; and online banking services. It operates 28 branches in Neshoba, Newton, Leake, Lamar, Forrest, Scott, Attala, Lauderdale, Lafayette, Oktibbeha, Rankin, Harrison, Jackson, Winston, and Kemper counties, Mississippi; and a loan production office in north Mississippi. Citizens Holding Company was founded in 1908 and is headquartered in Philadelphia, Mississippi.

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