Citizens Holding Company (CIZN) Income Statement Analysis

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Complete financial analysis of Citizens Holding Company (CIZN) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Citizens Holding Company, a leading company in the Banks – Regional industry within the Financial Services sector.

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Citizens Holding Company (CIZN)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.thecitizensbankphila.com

About Citizens Holding Company

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. It offers demand deposits; and savings and time deposit accounts. The company also provides secured and unsecured loans; mortgage 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, it offers personal and corporate trust services; credit life and title insurance; and online and mobile banking services. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.

Metric	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Revenue	37.66M	44.97M	45.68M	43.59M	35.39M	35.50M	35.46M	34.76M	36.22M	36.53M	35.85M	36.08M	37.77M	36.39M	37.61K	33.65M	29.12M	29.49M	28.93M	28.01M	26.86M	24.89M	19.70M	17.86M	17.62M	4.17M
Cost of Revenue	0.00	0.00	0.00	0.00	0.00	757.72K	885.42K	758.86K	542.69K	951.88K	1.38M	1.19M	45.00	-427.52K	-37.57M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	37.66M	44.97M	45.68M	43.59M	35.39M	34.74M	34.57M	34.00M	35.67M	35.57M	34.47M	34.89M	37.77M	36.82M	37.61M	33.65M	29.12M	29.49M	28.93M	28.01M	26.86M	24.89M	19.70M	17.86M	17.62M	4.17M
Gross Profit Ratio	100.00%	100.00%	100.00%	100.00%	100.00%	97.87%	97.50%	97.82%	98.50%	97.39%	96.14%	96.69%	100.00%	101.17%	100,002.85%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	19.52M	20.52M	18.46M	17.48M	14.88M	14.53M	14.77M	13.70M	13.30M	15.23M	14.39M	16.12M	14.06M	13.78M	13.26M	12.05M	10.54M	9.98M	9.52M	8.61M	7.93M	7.10M	5.60M	4.90M	4.66M	4.66M
Selling & Marketing	566.00K	610.00K	573.00K	642.00K	551.00K	639.68K	649.61K	783.30K	793.28K	769.08K	621.22K	636.65K	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
SG&A	20.08M	21.13M	18.46M	17.48M	14.88M	14.53M	14.77M	13.70M	13.30M	16.00M	15.01M	16.76M	14.06M	13.78M	13.26M	12.05M	10.54M	9.98M	9.52M	8.61M	7.93M	7.10M	5.60M	4.90M	4.66M	4.66M
Other Expenses	17.58M	-49.81M	-914.00K	-52.39M	-43.01M	-40.57M	-38.23M	-36.26M	-35.82M	-39.28M	-36.47M	-37.50M	-36.65M	-32.63M	-30.76M	-21.36M	-14.01M	-15.06M	-18.28M	-18.85M	-16.78M	-12.98M	-3.63M	-527.09K	-2.89M	9.23M
Operating Expenses	37.66M	-28.67M	17.55M	-34.91M	-28.13M	-22.78M	-23.46M	-22.56M	-22.53M	-23.28M	-21.47M	-20.74M	-22.60M	-18.85M	-17.51M	-9.31M	-3.47M	-5.08M	-8.75M	-10.24M	-8.86M	-5.88M	1.97M	4.37M	1.76M	13.89M
Cost & Expenses	37.66M	-28.67M	17.55M	-34.91M	-28.13M	-22.78M	885.42K	758.86K	542.69K	951.88K	1.38M	1.19M	45.00	-427.52K	-37.57M	-9.31M	-3.47M	-5.08M	-8.75M	-10.24M	-8.86M	-5.88M	1.97M	4.37M	1.76M	13.89M
Interest Income	49.28M	39.70M	38.51M	40.56M	35.36M	31.36M	30.53M	30.18M	30.97M	31.38M	32.12M	34.39M	36.97M	38.14M	40.89K	39.56M	38.10M	36.49M	33.04M	29.97M	29.72M	30.20M	29.12M	28.64M	25.02M	23.55M
Interest Expense	19.41M	4.79M	5.02M	7.43M	9.72M	4.46M	3.34M	3.10M	3.08M	3.02M	4.08M	5.71M	6.64M	8.73M	11.34K	13.77M	16.76M	13.18M	9.85M	7.54M	8.19M	9.75M	13.40M	14.06M	10.97M	10.86M
Depreciation & Amortization	1.44M	1.28M	1.17M	1.12M	912.00K	936.63K	1.00M	980.51K	1.04M	1.19M	1.14M	1.23M	1.37M	1.29M	1.56M	2.36M	2.07M	2.18M	2.74M	2.98M	1.50M	1.19M	608.12K	439.83K	525.01K	517.05K
EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBITDA Ratio	0.00%	39.07%	22.10%	22.49%	23.08%	36.33%	34.18%	35.75%	39.17%	36.92%	39.44%	42.60%	43.79%	52.93%	57,610.35%	79.36%	95.18%	90.18%	79.23%	74.07%	72.62%	81.18%	113.07%	126.96%	112.99%	445.78%
Operating Income	0.00	16.29M	8.93M	8.68M	7.26M	11.96M	11.12M	11.45M	13.14M	12.30M	13.00M	14.14M	15.18M	17.97M	20.11M	24.34M	25.65M	24.41M	20.18M	17.77M	18.00M	19.01M	21.67M	22.23M	19.39M	18.06M
Operating Income Ratio	0.00%	36.23%	19.54%	19.92%	20.50%	33.69%	31.35%	32.93%	36.30%	33.67%	36.26%	39.20%	40.18%	49.38%	53,459.31%	72.33%	88.08%	82.77%	69.74%	63.43%	67.03%	76.39%	109.98%	124.49%	110.01%	433.38%
Total Other Income/Expenses	1.78M	150.00K	-557.00K	-230.00K	371.00K	0.00	-1.00K	612.00	65.00	623.92K	237.00	193.00	-6.64M	-8.73M	-20.10M	-13.77M	-16.76M	-13.18M	-9.85M	-7.54M	-8.19M	-9.75M	-13.40M	-14.06M	-10.97M	-10.86M
Income Before Tax	1.78M	11.50M	8.93M	8.68M	7.26M	7.50M	7.77M	8.35M	10.07M	9.28M	8.92M	8.44M	8.54M	9.25M	8.77K	10.56M	8.88M	11.23M	10.33M	10.23M	9.82M	9.26M	8.27M	8.17M	8.41M	7.20M
Income Before Tax Ratio	4.73%	25.58%	19.54%	19.92%	20.50%	21.13%	21.92%	24.02%	27.80%	25.40%	24.88%	23.38%	22.59%	25.40%	23.32%	31.39%	30.51%	38.08%	35.71%	36.52%	36.54%	37.22%	41.97%	45.74%	47.74%	172.76%
Income Tax Expense	-74.00K	1.88M	1.43M	1.75M	1.35M	828.00K	4.07M	1.61M	2.48M	1.83M	1.77M	1.65M	1.32M	2.08M	1.63K	2.29M	1.97M	2.84M	2.37M	2.68M	2.84M	2.97M	2.56M	2.64M	2.79M	2.49M
Net Income	1.85M	9.62M	7.49M	6.93M	5.90M	6.67M	3.70M	6.74M	7.59M	7.45M	7.15M	6.78M	7.22M	7.16M	7.14K	8.27M	6.91M	8.39M	7.97M	7.55M	6.97M	6.30M	5.71M	5.53M	5.62M	4.71M
Net Income Ratio	4.92%	21.39%	16.40%	15.90%	16.68%	18.79%	10.44%	19.38%	20.96%	20.40%	19.94%	18.80%	19.11%	19.68%	18.98%	24.59%	23.75%	28.46%	27.53%	26.94%	25.95%	25.31%	28.99%	30.99%	31.90%	113.09%
EPS	0.33	1.73	1.34	1.24	1.17	1.36	0.76	1.38	1.56	1.53	1.47	1.40	1.49	1.48	1.47	1.70	1.41	1.67	1.59	1.51	1.40	1.27	0.77	0.75	1.13	0.95
EPS Diluted	0.33	1.73	1.34	1.24	1.16	1.36	0.76	1.38	1.56	1.53	1.47	1.39	1.49	1.48	1.45	1.69	1.39	1.65	1.57	1.49	1.39	1.26	1.15	0.74	1.13	0.95
Weighted Avg Shares Out	5.60M	5.57M	5.58M	5.58M	5.06M	4.89M	4.88M	4.87M	4.87M	4.87M	4.87M	4.86M	4.84M	4.84M	4.85M	4.86M	4.91M	5.02M	5.01M	4.99M	4.97M	4.96M	4.94M	7.44M	4.96M	4.96M
Weighted Avg Shares Out (Dil)	5.60M	5.57M	5.58M	5.58M	5.07M	4.90M	4.90M	4.88M	4.87M	4.87M	4.87M	4.86M	4.85M	4.85M	4.91M	4.90M	4.96M	5.08M	5.07M	5.06M	5.02M	5.00M	4.98M	7.46M	4.97M	4.96M

Citizens First Bank Chooses WaveCX for Enhanced Digital Engagement and Training

December 3, 2024businesswire.com

OMAHA, Neb.--(BUSINESS WIRE)--WaveCX, provider of personalized, digital product engagement solutions for financial institutions, announced today that Citizens First Bank has selected WaveCX to transform how the bank delivers customer-facing demos and internal training initiatives. Leveraging WaveCX's comprehensive capabilities and demo...

Citizens Financial Group to Participate at the Goldman Sachs U.S. Financial Services Conference

December 2, 2024businesswire.com

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) announced today that Chairman and Chief Executive Officer Bruce Van Saun will participate at the Goldman Sachs U.S. Financial Services Conference on Tuesday, December 10, 2024 at 10:00 am ET. The live...

Citizens, Inc. Announces Filing of Form S-3 to Replace Expiring Shelf Registration Statement

November 27, 2024newsfilecorp.com

Austin, Texas--(Newsfile Corp. - November 27, 2024) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today announced it has filed a shelf registration statement (the "Shelf Registration") on...

Prelude Therapeutics to Participate in Citizens JMP Securities Hematology and Oncology Summit

November 27, 2024globenewswire.com

WILMINGTON, Del., Nov. 27, 2024 (GLOBE NEWSWIRE) -- Prelude Therapeutics Incorporated (Prelude) (Nasdaq: PRLD), a clinical-stage precision oncology company, announced today that the Company will participate in the Citizens JMP Securities Hematology and Oncology Summit, taking place virtually on December...

Marker Therapeutics to Present at the Citizens JMP Hematology and Oncology Summit

November 26, 2024globenewswire.com

HOUSTON, Nov. 26, 2024 (GLOBE NEWSWIRE) -- Marker Therapeutics, Inc. (Nasdaq: MRKR), a clinical-stage immuno-oncology company focusing on developing next-generation T cell-based immunotherapies for the treatment of hematological malignancies and solid tumor indications, today announced that Juan Vera, M.D., President...

Pivot Energy Secures Over $450 Million in Major Financing of Distributed Generation Portfolios from First Citizens, ATLAS SP, and HASI

November 21, 2024prnewswire.com

The debt warehouse facility and structured equity investment will support construction of 300 Megawatts of U.S. community solar projects and is Pivot's largest financing agreement to date DENVER , Nov. 21, 2024 /PRNewswire/ -- Pivot Energy ("Pivot"), a leading, national renewable...

Booz Allen Strengthens AI Portfolio to Ensure Trust and Protect Citizens

November 20, 2024businesswire.com

MCLEAN, Va.--(BUSINESS WIRE)--Booz Allen Hamilton (NYSE: BAH) today announced that its corporate venture capital arm, Booz Allen Ventures, LLC, has made a strategic investment in Reality Defender, a cybersecurity company specializing in deepfake and synthetic media detection that leverages advanced...

Citizens Financial Group Announces Prime Rate Change

November 7, 2024businesswire.com

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) announced today that Citizens Bank, N.A. has decreased its prime lending rate to 7.75 percent from 8.00 percent, effective Friday, November 8, 2024. About Citizens Financial Group, Inc. Citizens Financial Group, Inc....

Citizens, Inc. Reports Third Quarter 2024 Financial Results

November 7, 2024newsfilecorp.com

Austin, Texas--(Newsfile Corp. - November 7, 2024) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits and final expense insurance, today reported results for the third quarter ended September 30, 2024. "We are...