USD 10
| ticker | 1 day return % | 1 week return % | 1 month return % | 3 months return % | 6 months return % | 1 year return % | 3 years return % | 5 years return % | 10 years return % | maximum return % |
|---|---|---|---|---|---|---|---|---|---|---|
| CIZN | -0.1 | 1.5 | -5.7 | 11.1 | 5.8 | 28.4 | -44.5 | -53.8 | -46.8 | -39.9 |
| S&P 500 | -1.7 | -1.8 | -1.7 | 0.7 | 6.7 | 18.2 | 42.3 | 86.4 | 185.0 | 33949.4 |
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| Attribute | Value |
|---|---|
| symbol | CIZN |
| name | Citizens Holding Company |
| price | 10 |
| changes percentage | -0.0999 |
| change | -0.01 |
| day low | 10 |
| day high | 10 |
| year high | 11 |
| year low | 7.6 |
| market cap | 56370600 |
| price avg 50 | 9.585 |
| price avg 200 | 8.7661 |
| exchange | PNK |
| volume | 200 |
| avg volume | 2466 |
| open | 10 |
| previous close | 10.01 |
| eps | 0.33 |
| pe | 30.3 |
| earnings announcement | 2025-04-16T10:59:00.000+0000 |
| shares outstanding | 5637060 |
| timestamp | 2025-02-21 18:55:17 |
We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001075706 | |||
| revenue | 37663000 | 44967000 | -16.24 |
| gross profit | 37663000 | 44967000 | -16.24 |
| gross profit ratio | 1 | 1 | 0.00 |
| research and development expenses | 0 | 0 | NaN |
| operating expenses | 37663000 | -28674000 | 231.35 |
| interest income | 49284000 | 39701000 | 24.14 |
| interest expense | 19406000 | 4792000 | 304.97 |
| ebitda | 0 | 0 | NaN |
| ebitdaratio | 0 | 0.39 | -100.00 |
| operating income | 0 | 16293000 | -100.00 |
| operating income ratio | 0 | 0.36 | -100.00 |
| net income | 1854000 | 9620000 | -80.73 |
| net income ratio | 0.05 | 0.21 | -76.99 |
| eps | 0.33 | 1.73 | -80.92 |
Revenue Growth: revenue decreased to 38 million in 2023 from 45 million in 2022 representing a change of -16.24%. This indicates a sales shrinking, which is a negative sign for the company.
Gross Profit: Gross Profit decreased to 38 million in 2023 from 45 million in 2022 representing a change of -16.24%. This indicates a sales profitability decline, which is a negative sign for the company.
Operating Expenses: Operating Expenses increased to 38 million in 2023 from -29 million in 2022 representing a change of 231.35%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.
Operating Income: Operating income decreased to 0 million in 2023 from 16 million in 2022 representing a change of -100.0%. The decrease in operating income indicates worse operational performance and decreased profitability.
Net Income: Net income decreased to 2 million in 2023 from 10 million in 2022 representing a change of -80.73%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.
Earnings per Share (EPS): EPS increased to 0.33 in 2023 from 0.33 in 2022 representing a change of -80.92%. This indicates that the company's earnings are decreasing and it is becoming less profitable on a per-share basis.
| 2023Q4 | 2023Q3 | Q/Q change % | |
|---|---|---|---|
| 0001075706 | |||
| revenue | 8028000 | 10621000 | -24.41 |
| gross profit | 8028000 | 10621000 | -24.41 |
| gross profit ratio | 1 | 1 | 0.00 |
| research and development expenses | 0 | 0 | NaN |
| operating expenses | 8028000 | -9167000 | 187.57 |
| interest income | 14274000 | 12819000 | 11.35 |
| interest expense | 6920000 | 5387000 | 28.46 |
| ebitda | 27563812 | 0 | NaN |
| ebitdaratio | 3.43 | 0.14 | 2408.03 |
| operating income | 21790000 | 1454000 | 1398.62 |
| operating income ratio | 2.71 | 0.14 | 1882.67 |
| net income | -793000 | 1207000 | -165.70 |
| net income ratio | -0.1 | 0.11 | -186.92 |
| eps | -0.14 | 0.22 | -163.64 |
Revenue Growth: revenue increased to 8 million in 2023Q4 from 11 million in 2023Q3 representing a change of -24.41%. This indicates a sales growth, which is a positive sign for the company.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) increased to 28 million in 2023Q4 from 0 million in 2023Q3 representing a change of nan%. The increase in EBITDA indicates improved operational efficiency and profitability.
Operating Income: Operating income increased to 22 million in 2023Q4 from 1 million in 2023Q3 representing a change of 1398.62%. The increase in operating income indicates better operational performance and increased profitability.
Gross Profit: Gross Profit decreased to 8 million in 2023Q4 from 11 million in 2023Q3 representing a change of -24.41%. This indicates a sales profitability decline, which is a negative sign for the company.
Operating Expenses: Operating Expenses increased to 8 million in 2023Q4 from -9 million in 2023Q3 representing a change of 187.57%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.
Net Income: Net income decreased to -1 million in 2023Q4 from 1 million in 2023Q3 representing a change of -165.7%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.
Earnings per Share (EPS): EPS increased to -0.14 in 2023Q4 from -0.14 in 2023Q3 representing a change of -163.64%. This indicates that the company's earnings are decreasing and it is becoming less profitable on a per-share basis.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001075706 | |||
| total assets | 1404597000 | 1324003000 | 6.09 |
| total liabilities | 1361824000 | 1284978000 | 5.98 |
| total equity | 42773000 | 39025000 | 9.60 |
| cash and cash equivalents | 94476000 | 28594000 | 230.40 |
| short term investments | 177795000 | 201322000 | -11.69 |
| long term investments | 565594000 | 607912000 | -6.96 |
| total current assets | 277502000 | 234780000 | 18.20 |
| total non current assets | 605998000 | 649059000 | -6.63 |
| total current liabilities | 0 | 18732000 | -100.00 |
| total non current liabilities | 0 | 18732000 | -100.00 |
| common stock | 1123000 | 1122000 | 0.09 |
| retained earnings | 99354000 | 102525000 | -3.09 |
| total debt | 18000000 | 18000000 | 0.00 |
Total Assets: Total Assets increased to 1,405 million in 2023 from 1,324 million in 2022 representing a change of 6.09%. Suggesting a growth in asset holdings.
Total Equity: Total Equity increased to 43 million in 2023 from 39 million in 2022 representing a change of 9.6%. This indicates an increase in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents increased to 94 million in 2023 from 29 million in 2022 representing a change of 230.4%. This indicates an increase in available liquid assets.
Total Current Assets: Total Current Assets increased to 278 million in 2023 from 235 million in 2022 representing a change of 18.2%. This indicates a better liquidity position.
Total Current Liabilities: Total Current Liabilities decreased to 0 million in 2023 from 19 million in 2022 representing a change of -100.0%. This indicates a lower short-term debt burden.
Common Stock: Common Stock increased to 1 in 2023 from 1 in 2022 representing a change of 0.09%. This indicates an increase in ownership interest.
Total Liabilities: Total Liabilities increased to 1,362 million in 2023 from 1,285 million in 2022 representing a change of 5.98%. This indicates an increase in overall liabilities.
Short Term Investments: Short Term Investments decreased to 178 million in 2023 from 201 million in 2022 representing a change of -11.69%. This indicates a decrease in short-term investment holdings.
Retained Earnings: Retained Earnings decreased to 99 million in 2023 from 103 million in 2022 representing a change of -3.09%. This indicates an accumulated losses.
| 2023Q4 | 2023Q3 | Q/Q change % | |
|---|---|---|---|
| 0001075706 | |||
| total assets | 1404597000 | 1414010000 | -0.67 |
| total liabilities | 1361824000 | 1379665000 | -1.29 |
| total equity | 42773000 | 34345000 | 24.54 |
| cash and cash equivalents | 94476000 | 14061000 | 571.90 |
| short term investments | 177795000 | 392133000 | -54.66 |
| long term investments | 565594000 | 575668000 | -1.75 |
| total current assets | 277502000 | 410906000 | -32.47 |
| total non current assets | 605998000 | 72129000 | 740.16 |
| total current liabilities | 0 | 18000000 | -100.00 |
| total non current liabilities | 0 | 1361665000 | -100.00 |
| common stock | 1123000 | 1123000 | 0.00 |
| retained earnings | 99354000 | 101045000 | -1.67 |
| total debt | 18000000 | 18000000 | 0.00 |
Total Assets: Total Assets decreased to 1,405 million in 2023Q4 from 1,414 million in 2023Q3 representing a change of -0.67%. Suggesting a decrease in asset holdings.
Short Term Investments: Short Term Investments decreased to 178 million in 2023Q4 from 392 million in 2023Q3 representing a change of -54.66%. This indicates a decrease in short-term investment holdings.
Total Current Assets: Total Current Assets decreased to 278 million in 2023Q4 from 411 million in 2023Q3 representing a change of -32.47%. This indicates a worsen liquidity position.
Retained Earnings: Retained Earnings decreased to 99 million in 2023Q4 from 101 million in 2023Q3 representing a change of -1.67%. This indicates an accumulated losses.
Total Liabilities: Total Liabilities decreased to 1,362 million in 2023Q4 from 1,380 million in 2023Q3 representing a change of -1.29%. This indicates a decrease in overall liabilities.
Total Equity: Total Equity increased to 43 million in 2023Q4 from 34 million in 2023Q3 representing a change of 24.54%. This indicates an increase in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents increased to 94 million in 2023Q4 from 14 million in 2023Q3 representing a change of 571.9%. This indicates an increase in available liquid assets.
Total Current Liabilities: Total Current Liabilities decreased to 0 million in 2023Q4 from 18 million in 2023Q3 representing a change of -100.0%. This indicates a lower short-term debt burden.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001075706 | |||
| net change in cash | 65882000 | -50642000 | 230.09 |
| operating cash flow | 5523000 | 13760000 | -59.86 |
| free cash flow | 4805000 | 11118000 | -56.78 |
| capital expenditure | -718000 | -2642000 | 72.82 |
| depreciation and amortization | 1437000 | 1275000 | 12.71 |
| deferred income tax | -362000 | 401000 | -190.27 |
| stock based compensation | 138000 | 157000 | -12.10 |
| accounts payables | 511000 | 403000 | 26.80 |
| inventory | 61000 | 0 | NaN |
| acquisitions net | 0 | 0 | NaN |
| investments in property plant and equipment | -718000 | -2642000 | 72.82 |
| net cash used for investing activites | -9786000 | -88349000 | 88.92 |
| debt repayment | 0 | 0 | NaN |
| common stock issued | 0 | 0 | NaN |
| common stock repurchased | 0 | 0 | NaN |
| dividends paid | -4042000 | -5377000 | 24.83 |
| net cash used provided by financing activities | 70145000 | 23947000 | 192.92 |
| cash at end of period | 94476000 | 28594000 | 230.40 |
| accounts receivables | -366000 | -694000 | 47.26 |
| cash at beginning of period | 28594000 | 79236000 | -63.91 |
Net Change in Cash: Net Change in Cash increased to 66 million in 2023 from -51 million in 2022 representing a change of 230.09%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.
Stock-Based Compensation: Stock-Based Compensation decreased to 0 million in 2023 from 0 million in 2022 representing a change of -12.1%. This indicates decreased expenses, which is generally considered a positive sign from a financial perspective.
Dividends Paid: Dividends Paid increased to -4 million in 2023 from -5 million in 2022 representing a change of 24.83%. This indicates a stronger financial position, more confidence in future prospects, and a better commitment to returning value to shareholders.
Operating Cash Flow: Operating Cash Flow decreased to 6 million in 2023 from 14 million in 2022 representing a change of -59.86%. This indicates that the company generated less cash from its core business operations.
Free Cash Flow: Free Cash Flow decreased to 5 million in 2023 from 11 million in 2022 representing a change of -56.78%. This indicates a decrease in cash generated after accounting for capital expenditures.
Capital Expenditure: Capital Expenditure increased to -1 million in 2023 from -3 million in 2022 representing a change of 72.82%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.
Accounts Payables: The absolute value of Accounts Payables increased to 1 million in 2023 from 0 million in 2022 representing a change of 26.8%. This indicates that the company has increased its outstanding obligations to its suppliers.
Accounts Receivables: Accounts Receivables increased to 0 in 2023 from -1 million in 2022 representing a change of 47.26%. This suggests that the company is less capable of collecting payments from its customers.
| 2023Q4 | 2023Q3 | Q/Q change % | |
|---|---|---|---|
| 0001075706 | |||
| operating cash flow | 1137000 | 2301000 | -50.59 |
| free cash flow | 1052000 | 1996000 | -47.29 |
| capital expenditure | -85000 | -305000 | 72.13 |
| depreciation and amortization | 0 | 0 | NaN |
| deferred income tax | 0 | 0 | NaN |
| stock based compensation | 0 | 0 | NaN |
| accounts receivables | 0 | 0 | NaN |
| accounts payables | 0 | 0 | NaN |
| inventory | 0 | 0 | NaN |
| acquisitions net | 0 | 0 | NaN |
| investments in property plant and equipment | -85000 | -305000 | 72.13 |
| net cash used for investing activites | -32520000 | -4157000 | -682.29 |
| debt repayment | 0 | 0 | NaN |
| common stock issued | 0 | 0 | NaN |
| common stock repurchased | 0 | 0 | NaN |
| dividends paid | -899000 | -899000 | 0.00 |
| net cash used provided by financing activities | -18522000 | 128289000 | -114.44 |
| net change in cash | -49905000 | 126433000 | -139.47 |
| cash at end of period | 94476000 | 144381000 | -34.56 |
| cash at beginning of period | 144381000 | 17948000 | 704.44 |
Net Change in Cash: Net Change in Cash decreased to -50 million in 2023Q4 from 126 million in 2023Q3 representing a change of -139.47%. Indicating a declined ability to generate cash from the company's operations or its cash flow position.
Operating Cash Flow: Operating Cash Flow decreased to 1 million in 2023Q4 from 2 million in 2023Q3 representing a change of -50.59%. This indicates that the company generated less cash from its core business operations.
Free Cash Flow: Free Cash Flow decreased to 1 million in 2023Q4 from 2 million in 2023Q3 representing a change of -47.29%. This indicates a decrease in cash generated after accounting for capital expenditures.
Capital Expenditure: Capital Expenditure increased to 0 million in 2023Q4 from 0 million in 2023Q3 representing a change of 72.13%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.
EPS represents the portion of a company's profit allocated to each outstanding share of common stock. A higher EPS is generally favorable, indicating stronger profitability on a per-share basis.
Positive EPS: A positive EPS signifies that a company is profitable, it is generally viewed positively, supporting stock value and investor confidence.
Negative EPS: Indicates that a company is operating at a loss, which could lead to negative sentiment, potential stock depreciation, and concerns about the company's financial health.
The Next Earning Date represents when the company plans to release its next set of financial results.
An upward trend in EPS suggests consistent growth in earnings, often leading to increased investor confidence. A downward trend may indicate a decline in earnings, potentially decreasing investor confidence and stock value. Fluctuating EPS suggests unpredictable financial performance, warranting cautious investor analysis.
Earnings surprise occurs when a company's actual earnings differ from analysts' expectations. A positive earnings surprise typically reflects better-than-expected performance, potentially leading to stock appreciation. Conversely, a negative earnings surprise can result in stock depreciation. An earnings surprise of zero means the earnings met expectations, which typically has a neutral impact on stock price.
Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.
| 2023-12-31 | 2022-12-31 | Y/Y change % | |
|---|---|---|---|
| FY | |||
| calendar year | 2023 | 2022 | NaN |
| revenue per share | 6.72 | 8.07 | -16.68 |
| net income per share | 0.33 | 1.73 | -80.83 |
| operating cash flow per share | 0.99 | 2.47 | -60.07 |
| free cash flow per share | 0.86 | 1.99 | -57.01 |
| cash per share | 48.59 | 41.25 | 17.80 |
| book value per share | 7.63 | 7.0 | 9.03 |
| tangible book value per share | 5.25 | 4.59 | 14.48 |
| shareholders equity per share | 7.63 | 7.0 | 9.03 |
| interest debt per share | 6.68 | 4.09 | 63.26 |
| market cap | 43427667.5 | 76368321 | -43.13 |
| enterprise value | -33048332.5 | 65774321 | -150.25 |
| pe ratio | 23.42 | 7.94 | 195.07 |
| price to sales ratio | 1.15 | 1.7 | -32.11 |
| pocfratio | 7.86 | 5.55 | 41.68 |
| pfcf ratio | 9.04 | 6.87 | 31.58 |
| pb ratio | 1.02 | 1.96 | -48.12 |
| ptb ratio | 1.02 | 1.96 | -48.12 |
| ev to sales | -0.88 | 1.46 | -159.99 |
| enterprise value over ebitda | 0 | 0 | NaN |
| ev to operating cash flow | -5.98 | 4.78 | -225.18 |
| ev to free cash flow | -6.88 | 5.92 | -216.26 |
| earnings yield | 0.04 | 0.13 | -66.11 |
| free cash flow yield | 0.11 | 0.15 | -24.00 |
| debt to equity | 0.42 | 0.46 | -8.76 |
| debt to assets | 0.01 | 0.01 | -5.74 |
| net debt to ebitda | 0 | 0 | NaN |
| current ratio | 0 | 12.53 | -100.00 |
| interest coverage | 0 | 3.4 | -100.00 |
| income quality | 2.98 | 1.43 | 108.27 |
| dividend yield | 0.09 | 0.07 | 32.19 |
| payout ratio | 2.18 | 0.56 | 290.05 |
| sales general and administrative to revenue | 0.52 | 0.46 | 13.54 |
| research and ddevelopement to revenue | 0 | 0 | NaN |
| intangibles to total assets | 0.01 | 0.01 | -6.52 |
| capex to operating cash flow | 0.13 | 0.19 | -32.29 |
| capex to revenue | 0.02 | 0.06 | -67.55 |
| capex to depreciation | 0.5 | 2.07 | -75.89 |
| stock based compensation to revenue | 0.0 | 0.0 | 4.94 |
| graham number | 7.54 | 16.49 | -54.28 |
| roic | 0 | 0.02 | -100.00 |
| return on tangible assets | 0.0 | 0.01 | -81.85 |
| graham net net | -193.27 | -188.62 | -2.47 |
| working capital | 277502000 | 216048000 | 28.44 |
| tangible asset value | 29442000 | 25583000 | 15.08 |
| net current asset value | -1084322000 | -1050198000 | -3.25 |
| invested capital | 317906000 | 257195000 | 23.61 |
| average receivables | 5047500 | 4517500 | 11.73 |
| average payables | 987500 | 530000 | 86.32 |
| average inventory | 2615500 | 0 | NaN |
| days sales outstanding | 50.69 | 39.48 | 28.40 |
| days payables outstanding | 0 | 0 | NaN |
| days of inventory on hand | 0 | 0 | NaN |
| receivables turnover | 7.2 | 9.24 | -22.12 |
| payables turnover | 0 | 0 | NaN |
| inventory turnover | 0 | 0 | NaN |
| roe | 0.04 | 0.25 | -82.42 |
| capex per share | 0.13 | 0.47 | -72.97 |
ROE: Return on Equity (ROE) decreased to 0.04 on 2023-12-31 from 0.25 on 2022-12-31, representing a change of -82.42%. Suggesting that the company has not been generating high returns for its shareholders.
Current Ratio: Current Ratio decreased to 0.00 on 2023-12-31 from 12.53 on 2022-12-31, representing a change of -100.00%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Also, it's below 1, indicating potential liquidity issues.
PE Ratio: Price-to-Earnings (P/E) Ratio increased to 23.42 on 2023-12-31 from 7.94 on 2022-12-31, representing a change of 195.07%. Indicating an increase in the relative valuation of the company's stock.
Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.42 on 2023-12-31 from 0.46 on 2022-12-31, representing a change of -8.76%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.
| 2023-12-31 Q4 | 2023-09-30 Q3 | Q/Q change % | |
|---|---|---|---|
| CIZN | |||
| calendar year | 2023 | 2023 | NaN |
| revenue per share | 1.43 | 1.9 | -24.41 |
| net income per share | -0.14 | 0.22 | -165.70 |
| operating cash flow per share | 0.2 | 0.41 | -50.59 |
| free cash flow per share | 0.19 | 0.36 | -47.29 |
| cash per share | 48.59 | 72.49 | -32.97 |
| book value per share | 7.63 | 6.13 | 24.54 |
| tangible book value per share | 5.25 | 3.75 | 40.29 |
| shareholders equity per share | 7.63 | 6.13 | 24.54 |
| interest debt per share | 4.45 | 4.17 | 6.55 |
| market cap | 43427667.5 | 58837485 | -26.19 |
| enterprise value | -33048332.5 | 62776485 | -152.64 |
| pe ratio | -13.69 | 12.19 | -212.34 |
| price to sales ratio | 5.41 | 5.54 | -2.35 |
| pocfratio | 38.19 | 25.57 | 49.37 |
| pfcf ratio | 41.28 | 29.48 | 40.04 |
| pb ratio | 1.02 | 1.71 | -40.73 |
| ptb ratio | 1.02 | 1.71 | -40.73 |
| ev to sales | -4.12 | 5.91 | -169.65 |
| enterprise value over ebitda | -1.2 | 0 | NaN |
| ev to operating cash flow | -29.07 | 27.28 | -206.54 |
| ev to free cash flow | -31.41 | 31.45 | -199.88 |
| earnings yield | -0.02 | 0.02 | -189.01 |
| free cash flow yield | 0.02 | 0.03 | -28.59 |
| debt to equity | 0.42 | 0.52 | -19.70 |
| debt to assets | 0.01 | 0.01 | 0.67 |
| net debt to ebitda | -2.77 | 0 | NaN |
| current ratio | 0 | 22.83 | -100.00 |
| interest coverage | 3.15 | 0.27 | 1066.63 |
| income quality | 0 | 1.91 | -100.00 |
| dividend yield | 0.02 | 0.02 | 35.48 |
| payout ratio | -1.13 | 0.74 | -252.21 |
| sales general and administrative to revenue | 0.68 | 0.44 | 55.06 |
| research and ddevelopement to revenue | 0 | 0 | NaN |
| intangibles to total assets | 0.01 | 0.01 | 0.46 |
| capex to operating cash flow | 0.07 | 0.13 | -43.60 |
| capex to revenue | 0.01 | 0.03 | -63.13 |
| capex to depreciation | 0 | 0 | NaN |
| stock based compensation to revenue | 0 | 0 | NaN |
| graham number | 4.93 | 5.45 | -9.54 |
| roic | 0.02 | 0.0 | 544.60 |
| return on tangible assets | -0.0 | 0.0 | -166.14 |
| graham net net | -193.27 | -173.09 | -11.66 |
| working capital | 277502000 | 392906000 | -29.37 |
| tangible asset value | 29442000 | 20986000 | 40.29 |
| net current asset value | -1084322000 | -968759000 | -11.93 |
| invested capital | 317906000 | 433618000 | -26.69 |
| average receivables | 4971500 | 4739000 | 4.91 |
| average payables | 621500 | 0 | NaN |
| average inventory | 2615500 | 0 | NaN |
| days sales outstanding | 58.64 | 39.93 | 46.87 |
| days payables outstanding | 0 | 0 | NaN |
| days of inventory on hand | 0 | 0 | NaN |
| receivables turnover | 1.53 | 2.25 | -31.91 |
| payables turnover | 0 | 0 | NaN |
| inventory turnover | 0 | 0 | NaN |
| roe | -0.02 | 0.04 | -152.75 |
| capex per share | 0.02 | 0.05 | -72.13 |
ROE: Return on Equity (ROE) decreased to -0.02 on 2023-12-31 Q4 from 0.04 on 2023-09-30 Q3, representing a change of -152.75%. Suggesting that the company has not been generating high returns for its shareholders.
PE Ratio: Price-to-Earnings (P/E) Ratio decreased to -13.69 on 2023-12-31 Q4 from 12.19 on 2023-09-30 Q3, representing a change of -212.34%. Indicating a decrease in the relative valuation of the company's stock.
Current Ratio: Current Ratio decreased to 0.00 on 2023-12-31 Q4 from 22.83 on 2023-09-30 Q3, representing a change of -100.00%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Also, it's below 1, indicating potential liquidity issues.
Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.42 on 2023-12-31 Q4 from 0.52 on 2023-09-30 Q3, representing a change of -19.70%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.
Positive Sentiment: Discounted Cash Flow value is 20.99 which is higher than current price 10, indicates the company may be undervalued.
| Market Capitalization | Enterprise Value | |
|---|---|---|
| Definition | The total market value of a company's outstanding shares | The total market value of a company, including its debt and other liabilities |
| Calculation | Current share price * Total number of outstanding shares | Market capitalization + Total debt - Cash and cash equivalents |
| Focus | Equity component of a company's value | Total economic value of a company |
| Usefulness | Assesses a company's size and growth potential based on investor sentiment | Provides a more comprehensive valuation that considers both equity and debt |
Analyzing dividends is a crucial aspect of investment evaluation, offering valuable insights into a company's financial health and its commitment to shareholder returns. Dividends represent a portion of a company's profits distributed to its shareholders, providing a steady income stream. We help you analyze dividends based on the indicators mentioned below:
• Investors often assess the average dividend amount, observing trends over time to gauge the company's stability and growth potential. A positive trend in average dividends indicates a consistent and potentially lucrative investment. Additionally, evaluating the trend of dividend increases provides insight into the company's financial strength and management's confidence in future earnings.
• Consistency in paying dividends is a reassuring sign, reflecting a company's reliability and commitment to shareholder value. For investors, dividends not only offer income but also contribute to the overall total return on investment.
• Companies with a history of regular and increasing dividends can attract income-focused investors seeking stable returns, making dividends a critical factor in building a well-rounded investment portfolio.
Interested in the overall sentiment for a particular period? Check out our news sentiment analysis tool.
Sentiment: Neutral
Publish Date: 2025-02-19 13:05:00
PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) announced today that Vice Chair and Chief Financial Officer John Woods and Head of Capital Markets Ted Swimmer will participate at the RBC Capital Markets Financial Institutions Conference to be held on Tuesday, March 4, 2025 at 10:00 am ET. The live webcast will be available at https://investor.citizensbank.com under Events & Presentations. About Citizens Financial Group, Inc. Citizens Financial Group, Inc. is on.
Sentiment: Positive
Publish Date: 2025-02-18 07:22:00
TEMPE, Ariz.--(BUSINESS WIRE)--Offerpad Solutions Inc. (“Offerpad”) (NYSE: OPAD), a leading tech-enabled platform for residential real estate, today announced that Brian Bair, Offerpad's Chairman and CEO, will participate in a fireside chat at 9:30 pm PT on Monday, March 3, 2025 at the Citizens JMP Technology Conference. The live webcast can be accessed under the “Events & Presentations” section of Offerpad's Investor Relations website at investor.offerpad.com. A webcast replay will be avai.
Sentiment: Neutral
Publish Date: 2025-02-13 17:25:26
Devin Ryan, Citizens JMP senior analyst, joins 'Closing Bell Overtime' to talk Coinbase earnings.
Sentiment: Positive
Publish Date: 2025-02-12 16:05:00
PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) announced that its board of directors has declared the following dividends on its preferred stock payable on April 7, 2025, to preferred shareholders of record at the close of business on March 21, 2025: a quarterly cash dividend of $19.11166833 per share on CFG's 6.000% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series B (CUSIP No. 174610AP0); a quarterly cash dividend of $19.50094611 per share.
Sentiment: Positive
Publish Date: 2025-02-07 09:45:34
Citizens (CIA) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road.
Sentiment: Positive
Publish Date: 2025-02-05 14:03:00
ONTARIO, Calif., Feb. 05, 2025 (GLOBE NEWSWIRE) -- CVB Financial Corp. (NASDAQ: CVBF), the holding company for Citizens Business Bank (the “Bank”), has been recognized by Forbes in their 16thannual America's Best Banks list. This recognition marks the ninth time in the past decade that the Bank has earned a place on Forbes' prestigious list of the best banks in the nation.
Sentiment: Positive
Publish Date: 2025-02-05 09:00:00
NEW YORK , Feb. 5, 2025 /PRNewswire/ -- First Citizens Bank and Sixth Street, a leading global investment firm, today announced the launch of Sixty-First Commercial Finance, a new platform managed by First Citizens Institutional Asset Management, LLC and designed to provide flexible capital equipment financing solutions to middle market companies. A joint venture between Sixth Street's Asset Based Finance platform and First Citizens Bank, Sixty-First Commercial Finance will leverage the well-established capabilities and expertise of both institutions to provide mid- and large-ticket capital equipment financings ranging from $5 million to $100 million, with diverse coverage across equipment asset types and industries.
Sentiment: Positive
Publish Date: 2025-02-03 09:20:00
Austin, Texas--(Newsfile Corp. - February 3, 2025) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today announced Paula Guerrero, who serves as Citizens' Vice President of Information Technology, is promoted to Chief Information Officer, effective immediately, reporting to Jon Stenberg, President and Chief Executive Officer. "We improved our processes and technology to remove complexity and hassles for agents and policyholders in the insurance sales cycle, which drives global business growth," said Jon Stenberg, President and Chief Executive Officer.
Sentiment: Positive
Publish Date: 2025-02-03 08:30:00
LOS ANGELES, CA / ACCESS Newswire / February 3, 2025 / XS Financial Inc. ("XS Financial" "XS" or the "Company"), an established equipment finance company serving middle-market storied credits, today announced that it has amended and upsized its current $70 million line of credit with Needham Bank ("Credit Facility") to $100 million, with First Citizens Bank participating for $20 million. XS Financial intends to use loan proceeds to fund additional CAPEX and equipment leases with new and existing customers.
Sentiment: Positive
Publish Date: 2025-01-31 11:47:00
ATLANTA , Jan. 31, 2025 /PRNewswire/ -- Citizens Bancshares Corporation, the parent company of Citizens Trust Bank, is pleased to announce the appointment of Alicia V. J. Wilson to its Board of Directors.
Sentiment: Positive
Publish Date: 2025-01-31 09:00:00
PHILADELPHIA, Miss.--(BUSINESS WIRE)--Citizens Holding Company (the “Company”) (OTCQX:CIZN) announced today results of operations for the three and twelve months ended December 31, 2024. (in thousands, except share and per share data) Net income for the three months ended December 31, 2024 was $1,318, or $0.23 per share-basic and diluted, a linked-quarter increase of $1,000, or 314.47%, from net income of $318, or $0.06, per share-basic and diluted, for the three months ended September 30, 2024.
Sentiment: Positive
Publish Date: 2025-01-30 09:20:00
Austin, Texas--(Newsfile Corp. - January 30, 2025) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today announced Bryon Matthew Lewis, who serves as Citizens' global Vice President of Operations, is promoted to Chief Operating Officer, a newly created global position effective immediately, reporting to Jon Stenberg, President and Chief Executive Officer. This role will oversee Underwriting, New Business, Claims, and Corporate and Policyholder Services, which are critical activities as we continue delivering our promises to policyholders.
Sentiment: Positive
Publish Date: 2025-01-27 08:30:00
EAU CLAIRE, Wis., Jan. 27, 2025 (GLOBE NEWSWIRE) -- Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $2.7 million and earnings per diluted share of $0.27 for the fourth quarter ended December 31, 2024, compared to $3.3 million and earnings per diluted share of $0.32 for the quarter ended September 30, 2024, and $3.7 million and $0.35 earnings per diluted share for the quarter ended December 31, 2023, respectively.
Sentiment: Neutral
Publish Date: 2025-01-24 06:32:00
RALEIGH, N.C. , Jan. 24, 2025 /PRNewswire/ -- First Citizens BancShares, Inc. ("BancShares") (Nasdaq: FCNCA) reported earnings for the fourth quarter of 2024.
Sentiment: Positive
Publish Date: 2025-01-24 06:30:00
RALEIGH, N.C., Jan. 24, 2025 /PRNewswire/ -- The Board of Directors of First Citizens BancShares, Inc. (Nasdaq: FCNCA) has declared the following dividends on the company's common and preferred stock, in each case to be paid on March 17, 2025, to holders of record as of Feb. 28, 2025: A quarterly common stock dividend of $1.95 per share on the company's Class A and Class B common stock.
Sentiment: Positive
Publish Date: 2025-01-23 16:30:00
RALEIGH, N.C. , Jan. 23, 2025 /PRNewswire/ -- First Citizens Bank announced today that it has committed $2 million in donations and financial support to aid in critical humanitarian and small business relief efforts for those impacted by the Southern California wildfires.
Sentiment: Positive
Publish Date: 2025-01-21 19:58:00
ONTARIO, Calif., Jan. 21, 2025 (GLOBE NEWSWIRE) -- Citizens Business Bank (the “Bank”), a subsidiary of CVB Financial Corp. (NASDAQ: CVBF), announced today that the Bank has committed $200,000 to local community organizations directed specifically to wildfire relief. The Bank's $200,000 donation will be distributed to four organizations in Los Angeles County, with each receiving $50,000. The recipient organizations include Foothill Unity Center, Union Station Homeless Services, Pasadena Community Foundation's Eaton Fire Relief & Recovery Fund and the Los Angeles Regional Food Bank. “The wildfires continue to have a devastating impact on Southern California, and many of our customers and associates have been directly affected,” said David Brager, President and Chief Executive Officer of Citizens Business Bank, which operates 21 Business Financial Centers throughout Los Angeles County. “We want to remind our communities that we will get through this together. These donations will be used to support local families that could use the help right now,” said Brager. A repository of emergency assistance resources for the fires in Los Angeles County is available on the Bank's website cbbank.com. Corporate Overview CVB Financial Corp. (“CVBF”) is the holding company for Citizens Business Bank. CVBF is one of the 10 largest bank holding companies headquartered in California with greater than $15 billion in total assets. Citizens Business Bank is consistently recognized as one of the top performing banks in the nation and offers a wide array of banking, lending and investing services with more than 60 banking centers and three trust office locations serving California. Shares of CVB Financial Corp. common stock are listed on the NASDAQ under the ticker symbol “CVBF”. For investor information on CVB Financial Corp., visit our Citizens Business Bank website at www.cbbank.com and click on the “Investors” tab.
Sentiment: Positive
Publish Date: 2025-01-21 14:08:00
PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) today announced that it has further expanded its wealth management reach and capabilities in southern Florida, setting the stage for further growth in that key market. Citizens Private Wealth has added a team of seasoned wealth advisors, led by Dustin Smith and James Rubinton, who bring more than six decades of combined experience to the firm. Based in Naples, these senior advisors specialize in customized wealth mana.
Sentiment: Neutral
Publish Date: 2025-01-21 13:05:00
PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) announced today that Vice Chair and Chief Financial Officer John Woods will participate at the UBS Financial Services Conference 2025 on Tuesday, February 11, 2025 at 12:10 pm ET. The live webcast will be available at http://investor.citizensbank.com under Events & Presentations. About Citizens Financial Group, Inc. Citizens Financial Group, Inc. is one of the nation's oldest and largest financial institutions, wi.
Sentiment: Positive
Publish Date: 2025-01-17 12:36:08
Solid fee income growth, along with reduced expenses, supports CFG's Q4 earnings. Lower NII and loans and deposit balances are headwinds.
* The sentiment analysis presented is generated through an algorithm and may be subject to inaccuracies. Users are advised to corroborate key information and employ further analytical methods prior to making critical decisions.
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Interpret Technical Indicators
| Indicator | Bullish | Bearish |
|---|---|---|
| Price and EMA ⓘ | Price crosses above EMA | Price crosses below EMA |
| Short-Term vs Long-Term EMA ⓘ | Short EMA crosses above Long EMA | Short EMA crosses below Long EMA |
| Volume ⓘ | Increasing volume during price uptrend | Increasing volume during price downtrend |
| MACD ⓘ | MACD crosses above Signal Line | MACD crosses below Signal Line |
| RSI ⓘ | RSI is below 30 (oversold) and starts to rise above 30 | RSI is above 70 (overbought) and starts to decline below 70 |
| Candlestick Patterns ⓘ | Bullish candlestick patterns | Bearish candlestick patterns |
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