The Citizens Holding Company

Financial Services commercial banks insurance lending mortgages

Through its ownership of the Bank, the Company is engaged in a range of commercial and personal banking activities, including accepting demand deposits, savings and time deposit accounts, making secured and unsecured loans, issuing letters of credit, originating mortgage loans, and providing personal and corporate trust services. The Company also provides certain services that are closely related to commercial banking, such as credit life insurance and title insurance for its loan customers; agencies; mortgage backed securities; state, county and municipal securities, and other securities. The Company offers a range of deposit services to individual and commercial customers. The Bank's lending activities include commercial, real estate, installment (direct and indirect) and credit card loans.

Revenue(Q1, 2017)

$9.4 M

Market capitalization(2017-08-18)

$117.8 M

Company Growth (employees)

Type

Public

Philadelphia, US

Size (employees)

240 (est)+2%

Website

citizensholdingcompany.com

The Citizens Holding Company is headquartered in Philadelphia, US

The Citizens Holding Company Office Locations

The Citizens Holding Company has an office in Philadelphia

The Citizens Holding Company Data and Metrics

The Citizens Holding Company Financial Metrics

The Citizens Holding Company's revenue was reported to be $9.4 m in Q1, 2017

Summary

USD

The Citizens Holding Company's current market capitalization is $117.8 m.

Income Statement

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016
Revenue	39.9 m	39.5 m	31 m	37.9 m
Revenue growth, %		(1%)	(22%)	22%
Cost of goods sold			3.1 m	3.1 m
Gross profit			27.9 m	34.8 m
Gross profit Margin, %			90%	92%
Operating expense total	24.7 m	26.3 m	25.6 m	26.5 m
EBIT	25.8 m	27.4 m	27.3 m	27.1 m
EBIT margin, %	65%	69%	88%	72%
Pre tax profit	8.9 m	9.3 m	10.1 m	8.3 m
Income tax expense			2.5 m	1.6 m
Net Income	7.1 m	7.4 m	7.6 m	6.7 m

Quarterly

USD	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017
Revenue				9.5 m	9.8 m	9.4 m	9.5 m	9.7 m	9.4 m
Cost of goods sold				735.7 k	765.6 k	769.1 k	755.1 k	753.5 k	807.4 k
Gross profit				8.8 m	9 m	8.6 m	8.8 m	8.9 m	8.6 m
Gross profit Margin, %				92%	92%	92%	92%	92%	91%
Sales and marketing expense				3.3 m	3.3 m	3.4 m	3.5 m	3.5 m	3.7 m
Operating expense total				3.3 m	3.3 m	3.4 m	3.5 m	3.5 m	3.7 m
EBIT				6.9 m	6.9 m	6.8 m	7 m	6.6 m	6.8 m
EBIT margin, %				72%	70%	72%	74%	69%	72%
Pre tax profit				2.4 m	2.4 m	1.9 m	2.3 m	2.2 m	1.6 m
Income tax expense				580.9 k	587.4 k	395.4 k	491 k	406.1 k	200.6 k
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

Balance Sheet

USD	FY, 2016
Accounts Receivable	17.9 m

Cash Flow

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016
Net Income	7.1 m	7.4 m	7.6 m	6.7 m
Depreciation and Amortization	1.1 m	1.3 m	1 m	980.5 k
Accounts Receivable	533.8 k	262.1 k
Accounts Payable	(122 k)	(8.8 k)	(10.7 k)
Cash From Operating Activities	11.2 m	9.7 m	10.4 m	10.1 m
Cash From Investing Activities	(26.3 m)	(31.5 m)	(60.1 m)	(51.4 m)
Cash From Financing Activities	9.6 m	28.1 m	42.3 m	48 m
Interest Paid	4.2 m	3 m	3.1 m	3.1 m
Income Taxes Paid	2.4 m	2.5 m	2.3 m	1.7 m

Quarterly

USD	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017
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
Cash From Operating Activities	3.9 m	7.2 m	1.4 m			792.2 k	8.6 m	18.2 m	2.4 m
Cash From Investing Activities	792.9 k	(4 m)	(24.6 m)			(15.4 m)	(31.7 m)	(47.7 m)	(15.1 m)
Cash From Financing Activities	1.5 m	(160.1 k)	22.2 m			26.3 m	32.4 m	37.3 m	18.8 m