Financial Analysis: Citizens (CIZN) vs. Its Rivals

Citizens (NASDAQ:CIZN) is one of 919 public companies in the “Banks” industry, but how does it contrast to its rivals? We will compare Citizens to similar companies based on the strength of its analyst recommendations, earnings, profitability, institutional ownership, risk, valuation and dividends.

Risk and Volatility

Citizens has a beta of 0.13, meaning that its share price is 87% less volatile than the S&P 500. Comparatively, Citizens’ rivals have a beta of 0.61, meaning that their average share price is 39% less volatile than the S&P 500.

Dividends

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.8%. Citizens pays out 4.0% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 8.9% and pay out 28.9% of their earnings in the form of a dividend. Citizens has increased its dividend for 1 consecutive years.

Earnings & Valuation

This table compares Citizens and its rivals top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Citizens	$40.95 million	$5.49 million	4.83
Citizens Competitors	$14.20 billion	$2.42 billion	21.33

Citizens’ rivals have higher revenue and earnings than Citizens. Citizens is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Institutional & Insider Ownership

9.7% of Citizens shares are owned by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are owned by institutional investors. 8.9% of Citizens shares are owned by company insiders. Comparatively, 9.7% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Analyst Ratings

This is a summary of recent ratings and price targets for Citizens and its rivals, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens	0	1	5	0	2.83
Citizens Competitors	7492	30250	27848	1488	2.35

Citizens currently has a consensus price target of $16.83, suggesting a potential upside of 72.65%. As a group, “Banks” companies have a potential upside of 14.23%. Given Citizens’ stronger consensus rating and higher possible upside, equities analysts clearly believe Citizens is more favorable than its rivals.

Profitability

This table compares Citizens and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Citizens	7.00%	11.28%	0.37%
Citizens Competitors	15.63%	9.41%	0.93%

Summary

Citizens rivals beat Citizens on 10 of the 15 factors compared.

About Citizens

Citizens Holding Company was a bank holding company for Citizens Bank, a community banking institution headquartered in Philadelphia, Mississippi. The bank served individuals, businesses and public-sector customers through traditional banking products and services. Its offerings included checking and savings accounts, certificates of deposit, consumer and residential mortgage loans, commercial and agricultural lending, online banking and other deposit and credit services. Citizens Bank operated primarily in Mississippi, with a branch network focused on communities in the state’s east-central region.