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Citizens Holding (CIZN)

Citizens Holding Company, headquartered in Philadelphia, Mississippi, is a financial holding company that owns The Citizens Bank of Philadelphia. Citizens currently has 24 banking locations in Mississippi and offers full-service commercial banking, mortgage lending and title insurance services in addition to a full range of Internet banking services. As of June 30, 2019, Citizens had $1.0 billion in total assets, $795 million in deposits, and $466 million in gross loans.

CIZN stock data

Calendar

5 Aug 22
15 Aug 22
31 Dec 22
Quarter (USD) Jun 22 Mar 22 Dec 21 Sep 21
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD) Dec 21 Dec 20 Dec 19 Dec 18
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Cash burn rate (est.) Burn method: Change in cash Burn method: Operating income Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 41.28M 41.28M 41.28M 41.28M 41.28M 41.28M
Cash burn (monthly) 10.39M (no burn) (no burn) (no burn) (no burn) (no burn)
Cash used (since last report) 15.85M n/a n/a n/a n/a n/a
Cash remaining 25.43M n/a n/a n/a n/a n/a
Runway (months of cash) 2.4 n/a n/a n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
25 May 22 Cronin Gregory E. Common Stock Buy Acquire P No No 17.9 1,100 19.69K 10,246
27 Apr 22 Vincent Craig Dungan Common Stock Grant Acquire A No No 19.05 750 14.29K 60,947
27 Apr 22 Jason Voyles Common Stock Grant Acquire A No No 19.05 750 14.29K 1,500
27 Apr 22 Kilgore Donald Leland Common Stock Grant Acquire A No No 19.05 750 14.29K 12,053
27 Apr 22 King David Anderson Common Stock Grant Acquire A No No 19.05 750 14.29K 142,841
16.9% owned by funds/institutions
13F holders Current Prev Q Change
Total holders 25 14 +78.6%
Opened positions 11 0 NEW
Closed positions 0 12 EXIT
Increased positions 4 4
Reduced positions 6 4 +50.0%
13F shares Current Prev Q Change
Total value 18.22M 14.42M +26.3%
Total shares 947.18K 715.39K +32.4%
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners Shares Value Change
Magnolia Capital Advisors 200.91K $3.89M -6.8%
Molpus 190K $3.56M 0.0%
Vanguard 153.75K $2.97M NEW
CADE Cadence Bank 83.76K $1.62M 0.0%
Millennium Management 37.67K $727K NEW
ACG Wealth 36.65K $709K -47.4%
Dimensional Fund Advisors 33.71K $651K +0.0%
EPG Wealth Management 33.42K $645K NEW
Renaissance Technologies 30.44K $589K +1.7%
Geode Capital Management 29.18K $563K -0.0%
Largest transactions Shares Bought/sold Change
Vanguard 153.75K +153.75K NEW
Millennium Management 37.67K +37.67K NEW
EPG Wealth Management 33.42K +33.42K NEW
ACG Wealth 36.65K -32.97K -47.4%
Bridgeway Capital Management 28.47K +28.47K NEW
Magnolia Capital Advisors 200.91K -14.68K -6.8%
Commerce Bank 14.5K +14.5K NEW
STT State Street 10.75K +10.75K NEW
BLK Blackrock 13.77K -1.19K -8.0%
UBS UBS Group AG - Registered Shares 1.18K +1.18K NEW

Financial report summary

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Competition
KemperLamar
Management Discussion
  • See Note 3 to the Company’s Consolidated Financial Statements for an explanation regarding the Company’s calculation of Net Income Per Share - basic and - diluted.
  • Annualized return on average equity (“ROE”) was 15.97% for the three months ended June 30, 2022, and 7.04% for the corresponding period in 2021. Annualized ROE was 11.52% for the six months ended June 30, 2022, and 6.74% for the corresponding period in 2021. The increase in ROE for the three and six months ended June 30, 2022 compared to the same period in 2021 was a result of an increase in earnings compared to prior period coupled with a decline in equity due to the unrealized losses on investments in AOCL.
  • Book value per share decreased to $4.64 at June 30, 2022, compared to $18.95 at December 31, 2021. The decrease in book value per share is directly attributable to the decrease in shareholders’ equity resulting from the AOCL caused by the increase in medium-term interest rates. Average assets for the six months ended June 30, 2022 were $1,343,566 compared to $1,412,082 for the year ended December 31, 2021. This decrease was due mainly to the Company reducing higher interest-bearing deposits throughout 2021 coupled with the increase in the unrealized loss on investment securities.

Content analysis

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Positive
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Uncertain
Constraining
Legalese
Litigous
Readability
H.S. freshman Avg
New words: campaign, commensurate, ct, disciplined, inflation, LHFI, modestly, ondition, precautionary, renewing, resultsof, saving, slightly, stay, stemming, thefinancial, theimpa, wholly
Removed: amortization, core, discussed, intangible, intrinsic, mature, page, reallocating, record, recover, reduce, slower, succeeding