Citizens Holding Company
Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various banking products and services. It offers short-term and long-term demand, insured cash sweep, time, and non-interest-bearing deposits; health savings, individual retirement, business and personal savings and checking, and NOW and money market accounts; and long-term certificat… Read more
Citizens Holding Company (CIZN) - Net Assets
Latest net assets as of December 2025: $62.13 Million USD
Based on the latest financial reports, Citizens Holding Company (CIZN) has net assets worth $62.13 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.51 Billion) and total liabilities ($1.45 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $62.13 Million |
| % of Total Assets | 4.11% |
| Annual Growth Rate | 1.85% |
| 5-Year Change | -41.33% |
| 10-Year Change | -26.96% |
| Growth Volatility | 17.45 |
Citizens Holding Company - Net Assets Trend (1998–2025)
This chart illustrates how Citizens Holding Company's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Citizens Holding Company (1998–2025)
The table below shows the annual net assets of Citizens Holding Company from 1998 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $62.13 Million | +29.21% |
| 2024-12-31 | $48.09 Million | +12.42% |
| 2023-12-31 | $42.77 Million | +9.60% |
| 2022-12-31 | $39.02 Million | -63.15% |
| 2021-12-31 | $105.90 Million | -11.42% |
| 2020-12-31 | $119.55 Million | +5.98% |
| 2019-12-31 | $112.80 Million | +34.50% |
| 2018-12-31 | $83.87 Million | -5.18% |
| 2017-12-31 | $88.45 Million | +3.99% |
| 2016-12-31 | $85.06 Million | -1.58% |
| 2015-12-31 | $86.42 Million | +5.58% |
| 2014-12-31 | $81.86 Million | +23.53% |
| 2013-12-31 | $66.27 Million | -25.43% |
| 2012-12-31 | $88.87 Million | +3.24% |
| 2011-12-31 | $86.08 Million | +12.82% |
| 2010-12-31 | $76.30 Million | +2.28% |
| 2009-12-31 | $74.60 Million | +4.48% |
| 2008-12-31 | $71.40 Million | +4.70% |
| 2007-12-31 | $68.19 Million | -4.15% |
| 2006-12-31 | $71.15 Million | +9.24% |
| 2005-12-31 | $65.13 Million | +5.63% |
| 2004-12-31 | $61.66 Million | +6.52% |
| 2003-12-31 | $57.89 Million | +4.94% |
| 2002-12-31 | $55.16 Million | +13.98% |
| 2001-12-31 | $48.39 Million | +7.95% |
| 2000-12-31 | $44.83 Million | +15.52% |
| 1999-12-31 | $38.81 Million | +2.52% |
| 1998-12-31 | $37.85 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Citizens Holding Company's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 255.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $109.16 Million | 175.69% |
| Common Stock | $1.13 Million | 1.82% |
| Other Comprehensive Income | $-66.98 Million | -107.80% |
| Other Components | $18.82 Million | 30.29% |
| Total Equity | $62.13 Million | 100.00% |
Citizens Holding Company Competitors by Market Cap
The table below lists competitors of Citizens Holding Company ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
UNITED FOODBRANDS LIMITED
NSE:UFBL
|
$47.36 Million |
|
Reeder Teknoloji Sanayi ve Ticaret Anonim Sirketi
IS:REEDR
|
$47.36 Million |
|
APS Holdings Corporation
KQ:054620
|
$47.37 Million |
|
Dynacons Systems & Solutions Limited
NSE:DSSL
|
$47.38 Million |
|
Cayson Acquisition Corp
NASDAQ:CAPNU
|
$47.36 Million |
|
Frontier Digital Ventures Ltd
AU:FDV
|
$47.35 Million |
|
Deoleo S.A
PINK:SOSCF
|
$47.35 Million |
|
Merit Turizm Yatirim ve Isletme AS
IS:MERIT
|
$47.34 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Citizens Holding Company's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 48,086,000 to 62,131,000, a change of 14,045,000 (29.2%).
- Net income of 8,148,999 contributed positively to equity growth.
- Other comprehensive income increased equity by 5,998,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $8.15 Million | +13.12% |
| Other Comprehensive Income | $6.00 Million | +9.65% |
| Other Changes | $-102.00K | -0.16% |
| Total Change | $- | 29.21% |
Book Value vs Market Value Analysis
This analysis compares Citizens Holding Company's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.85x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.27x to 0.85x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1998-12-31 | $7.39 | $9.35 | x |
| 1999-12-31 | $7.55 | $9.35 | x |
| 2000-12-31 | $8.79 | $9.35 | x |
| 2001-12-31 | $9.47 | $9.35 | x |
| 2002-12-31 | $10.76 | $9.35 | x |
| 2003-12-31 | $11.26 | $9.35 | x |
| 2004-12-31 | $11.90 | $9.35 | x |
| 2005-12-31 | $12.59 | $9.35 | x |
| 2006-12-31 | $13.71 | $9.35 | x |
| 2007-12-31 | $13.74 | $9.35 | x |
| 2008-12-31 | $14.58 | $9.35 | x |
| 2009-12-31 | $15.18 | $9.35 | x |
| 2010-12-31 | $15.72 | $9.35 | x |
| 2011-12-31 | $17.75 | $9.35 | x |
| 2012-12-31 | $18.27 | $9.35 | x |
| 2013-12-31 | $13.61 | $9.35 | x |
| 2014-12-31 | $16.81 | $9.35 | x |
| 2015-12-31 | $17.74 | $9.35 | x |
| 2016-12-31 | $17.45 | $9.35 | x |
| 2017-12-31 | $18.07 | $9.35 | x |
| 2018-12-31 | $17.12 | $9.35 | x |
| 2019-12-31 | $22.27 | $9.35 | x |
| 2020-12-31 | $21.42 | $9.35 | x |
| 2021-12-31 | $18.96 | $9.35 | x |
| 2022-12-31 | $7.00 | $9.35 | x |
| 2023-12-31 | $7.62 | $9.35 | x |
| 2024-12-31 | $8.57 | $9.35 | x |
| 2025-12-31 | $10.98 | $9.35 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Citizens Holding Company utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.12%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 9.86%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 24.32x
- Recent ROE (13.12%) is above the historical average (10.39%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1998 | 12.86% | 31.36% | 0.04x | 9.12x | $1.05 Million |
| 1999 | 14.97% | 19.66% | 0.08x | 9.66x | $1.87 Million |
| 2000 | 12.76% | 17.34% | 0.08x | 8.82x | $1.20 Million |
| 2001 | 12.10% | 17.25% | 0.08x | 9.05x | $992.74K |
| 2002 | 11.71% | 18.18% | 0.07x | 9.64x | $919.24K |
| 2003 | 12.34% | 19.89% | 0.06x | 9.75x | $1.32 Million |
| 2004 | 12.54% | 21.23% | 0.06x | 9.76x | $1.53 Million |
| 2005 | 12.49% | 20.54% | 0.06x | 9.64x | $1.59 Million |
| 2006 | 12.05% | 19.67% | 0.07x | 8.92x | $1.43 Million |
| 2007 | 10.14% | 15.07% | 0.07x | 9.99x | $95.09K |
| 2008 | 11.59% | 17.45% | 0.06x | 10.73x | $1.13 Million |
| 2009 | 9.57% | 14.59% | 0.06x | 11.26x | $-320.77K |
| 2010 | 9.39% | 16.10% | 0.05x | 10.73x | $-466.97K |
| 2011 | 8.39% | 16.67% | 0.05x | 9.92x | $-1.39 Million |
| 2012 | 7.63% | 16.71% | 0.05x | 9.91x | $-2.10 Million |
| 2013 | 10.79% | 18.55% | 0.04x | 13.18x | $523.26K |
| 2014 | 9.10% | 19.30% | 0.04x | 11.25x | $-736.02K |
| 2015 | 8.78% | 19.58% | 0.04x | 11.26x | $-1.05 Million |
| 2016 | 7.92% | 18.16% | 0.04x | 11.71x | $-1.77 Million |
| 2017 | 4.19% | 9.77% | 0.04x | 11.23x | $-5.14 Million |
| 2018 | 7.96% | 17.02% | 0.04x | 11.43x | $-1.71 Million |
| 2019 | 5.23% | 13.33% | 0.04x | 10.60x | $-5.38 Million |
| 2020 | 5.80% | 13.81% | 0.03x | 12.13x | $-5.02 Million |
| 2021 | 7.08% | 15.03% | 0.04x | 12.85x | $-3.10 Million |
| 2022 | 24.65% | 19.33% | 0.04x | 33.92x | $5.72 Million |
| 2023 | 4.33% | 3.25% | 0.04x | 32.84x | $-2.42 Million |
| 2024 | 11.42% | 7.42% | 0.05x | 30.61x | $681.40K |
| 2025 | 13.12% | 9.86% | 0.05x | 24.32x | $1.94 Million |
Industry Comparison
This section compares Citizens Holding Company's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $16,924,188,763
- Average return on equity (ROE) among peers: 8.48%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Citizens Holding Company (CIZN) | $62.13 Million | 12.86% | 23.32x | $47.36 Million |
| Ameris Bancorp (ABCB) | $293.77 Million | 7.18% | 9.19x | $4.91 Billion |
| ACNB Corporation (ACNB) | $49.44 Million | 14.38% | 8.56x | $474.47 Million |
| Addiko Bank AG (ADBKF) | $851.70 Million | 0.16% | 5.94x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $117.10 Million | 6.09% | 5.76x | $79.30 Million |
| Absa Group Limited (AGRPF) | $85.20 Billion | 14.06% | 10.26x | $6.72 Billion |
| AIB Group plc (AIBGY) | $13.66 Billion | 4.74% | 8.36x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $62.92 Billion | 9.95% | 6.60x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $5.78 Billion | 1.48% | 10.55x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $18.00 Million | 9.85% | 14.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |