The Citizens Holding Company

Financial Services banks commercial banks financial management holding company insurance lending

Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides a range of commercial and personal banking products and services. The Company offers various types of deposits and loans. It also provides personal and corporate trust services, credit life and title insurance, as well as VISA Checkcard program services, and Internet banking services, including online banking, bill pay, and cash management services for businesses.

Market capitalization(2018-05-23)

$107.7 M

Total Loans(Q2, 2017)

$389.8 M

Type

Public

Philadelphia, US

Founded

1908

Size (employees)

240 (est)

Website

citizensholdingcompany.com

The Citizens Holding Company was founded in 1908 and is headquartered in Philadelphia, US

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The Citizens Holding Company Office Locations

The Citizens Holding Company has an office in Philadelphia

Philadelphia, US (HQ)

521 Main Street - P. O. Box 209

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The Citizens Holding Company Financials and Metrics

The Citizens Holding Company Financials

The Citizens Holding Company's revenue was reported to be $37.86 m in FY, 2016 which is a 3.6% decrease from the previous period.

Summary

USD
Revenue (Q1, 2018)	9.7 m
Gross profit (Q1, 2018)	8.9 m
Gross profit margin (Q1, 2018), %	91.8%
Net income (Q1, 2018)	1.8 m
EBIT (Q1, 2018)	6.8 m
Market capitalization (23-May-2018)	107.7 m
Closing share price (23-May-2018)	22
Cash (31-Mar-2018)	13.2 m

The Citizens Holding Company's current market capitalization is $107.7 m.

Source: SEC Filings

Income Statement

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017
Revenue	39.9 m	39.5 m	39.3 m	37.9 m
Revenue growth, %		(1%)	(1%)	(4%)
Cost of goods sold			3.1 m	3.1 m	3.3 m
Gross profit			36.2 m	34.8 m

Quarterly

USD	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q1, 2018
Revenue	9.5 m	9.8 m	9.4 m	9.5 m	9.7 m	9.4 m	10 m	9.7 m
Cost of goods sold	735.7 k	765.6 k	769.1 k	755.1 k	753.5 k	807.4 k	829.8 k	794.6 k
Gross profit	8.8 m	9 m	8.6 m	8.8 m	8.9 m	8.6 m	9.1 m	8.9 m
Gross profit Margin, %	92%	92%	92%	92%	92%	91%	92%	92%

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Source: SEC Filings

Balance Sheet

Annual

USD	FY, 2016	FY, 2017
Cash		18 m
Accounts Receivable	17.9 m
Inventories
Total Assets		993.1 m

Quarterly

USD	Q1, 2018
Cash	13.2 m
PP&E	20.4 m
Total Assets	976 m
Accounts Payable	785.6 m

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Cash Flow

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017
Net Income	7.1 m	7.4 m	7.6 m	6.7 m	3.7 m
Depreciation and Amortization	1.1 m	1.3 m	1 m	980.5 k	1 m
Inventories
Accounts Payable	(122 k)	(8.8 k)	(10.7 k)

Quarterly

USD	Q3, 2013	Q1, 2014	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017	Q1, 2018
Net Income			2.1 m	1.9 m	1.6 m	1.8 m	1.8 m	1.5 m	1.8 m	1.8 m	1.4 m		1.6 m
Cash From Operating Activities	8.6 m	1.3 m	3.9 m	7.2 m	1.4 m			792.2 k	8.6 m	18.2 m	2.4 m	5 m		2.6 m
Cash From Investing Activities	(17.4 m)	2.1 m	792.9 k	(4 m)	(24.6 m)			(15.4 m)	(31.7 m)	(47.7 m)	(15.1 m)	12.9 m		4 m
Cash From Financing Activities	6.3 m	512.8 k	1.5 m	(160.1 k)	22.2 m			26.3 m	32.4 m	37.3 m	18.8 m	(17.5 m)		(11.4 m)

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Ratios

USD	Y, 2018
Financial Leverage	11.9 x

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The Citizens Holding Company Operating Metrics

The Citizens Holding Company's Total Loans was reported to be $389.8m in Q2, 2017.

	FY, 2014	Q1, 2015	Q2, 2015	Q3, 2015	FY, 2015	Q1, 2016	Q2, 2016	Q3, 2016	FY, 2016	Q1, 2017	Q2, 2017
Non-accrual Loans	$11.85 m	$13.04 m	$12.66 m	$15.16 m	$14.42 m	$12.91 m	$12.80 m	$9.73 m	$8.88 m	$8.99 m	$7.72 m
Non-performing Loans	$17.48 m				$18.36 m				$12.37 m
Total Loans	$384.42 m	$399.53 m	$400.62 m	$425.12 m	$423.11 m	$409.47 m	$397.56 m	$405.91 m	$390.15 m	$389.18 m	$389.75 m