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Intrinsic value of Citizens Holding Company (CIZN)

Previous Close$16.18
Intrinsic Value
Upside potential
Previous Close
$16.18
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh20.37 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

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 internet banking services. It operates 27 branches in East Central and South Mississippi; and a loan production office in North Mississippi. Citizens Holding Company was founded in 1908 and is headquartered in Philadelphia, Mississippi.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %4.8NaN
Revenue, $46NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m37NaN
Operating income, $m9NaN
EBITDA, $m17NaN
Interest expense (income), $mNaN
Earnings before tax, $m9NaN
Tax expense, $m1NaN
Net income, $m7NaN

BALANCE SHEET

Cash and short-term investments, $m79NaN
Total assets, $m1363NaN
Adjusted assets (=assets-cash), $m1284NaN
Average production assets, $m42NaN
Working capital, $m-592NaN
Total debt, $m131NaN
Total liabilities, $m1257NaN
Total equity, $m106NaN
Debt-to-equity ratio1.236NaN
Adjusted equity ratio0.109NaN

CASH FLOW

Net income, $m7NaN
Depreciation, amort., depletion, $m8NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m17NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-2NaN
Free cash flow, $m20NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-592
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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