Citizens Net Interest Income from 2010 to 2026
| CIZN Stock | USD 8.81 0.09 1.01% |
Net Interest Income | First Reported 2019-03-31 | Previous Quarter 7.4 M | Current Value 7.4 M | Quarterly Volatility 954.4 K |
Check Citizens Holding financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Citizens Holding's main balance sheet or income statement drivers, such as Depreciation And Amortization of 1.1 M, Interest Expense of 18.3 M or Selling General Administrative of 14.3 M, as well as many indicators such as Price To Sales Ratio of 0.51, Dividend Yield of 0.0048 or PTB Ratio of 0.68. Citizens financial statements analysis is a perfect complement when working with Citizens Holding Valuation or Volatility modules.
Citizens | Net Interest Income | Build AI portfolio with Citizens Stock |
Evaluating Citizens Holding's Net Interest Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into Citizens Holding's fundamental strength.
Latest Citizens Holding's Net Interest Income Growth Pattern
Below is the plot of the Net Interest Income of Citizens Holding over the last few years. It is the difference between the revenue generated from a bank's interest-bearing assets and the expenses associated with paying its interest-bearing liabilities. Citizens Holding's Net Interest Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Citizens Holding's overall financial position and show how it may be relating to other accounts over time.
| Net Interest Income | 10 Years Trend |
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Net Interest Income |
| Timeline |
Citizens Net Interest Income Regression Statistics
| Arithmetic Mean | 29,545,472 | |
| Geometric Mean | 29,411,172 | |
| Coefficient Of Variation | 10.01 | |
| Mean Deviation | 2,512,323 | |
| Median | 27,887,880 | |
| Standard Deviation | 2,958,345 | |
| Sample Variance | 8.8T | |
| Range | 9.3M | |
| R-Value | 0.67 | |
| Mean Square Error | 5.2T | |
| R-Squared | 0.45 | |
| Significance | 0 | |
| Slope | 391,565 | |
| Total Sum of Squares | 140T |
Citizens Net Interest Income History
About Citizens Holding Financial Statements
Citizens Holding investors utilize fundamental indicators, such as Net Interest Income, to predict how Citizens Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
| Last Reported | Projected for Next Year | ||
| Net Interest Income | 34.4 M | 32.5 M |
Pair Trading with Citizens Holding
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Citizens Holding position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Citizens Holding will appreciate offsetting losses from the drop in the long position's value.Moving together with Citizens Stock
| 0.91 | BIRG | Bank of Ireland | PairCorr |
| 0.89 | AX | Axos Financial | PairCorr |
| 0.61 | FFIN | First Financial Bank Normal Trading | PairCorr |
Moving against Citizens Stock
The ability to find closely correlated positions to Citizens Holding could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Citizens Holding when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Citizens Holding - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Citizens Holding to buy it.
The correlation of Citizens Holding is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Citizens Holding moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Citizens Holding moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Citizens Holding can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out the analysis of Citizens Holding Correlation against competitors. To learn how to invest in Citizens Stock, please use our How to Invest in Citizens Holding guide.You can also try the Portfolio Optimization module to compute new portfolio that will generate highest expected return given your specified tolerance for risk.
Will Regional Banks sector continue expanding? Could Citizens diversify its offerings? Factors like these will boost the valuation of Citizens Holding. Projected growth potential of Citizens fundamentally drives upward valuation adjustments. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Citizens Holding data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.567 | Dividend Share 0.04 | Earnings Share 0.33 | Revenue Per Share | Quarterly Revenue Growth 0.174 |
The market value of Citizens Holding is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens Holding's value that differs from its market value or its book value, called intrinsic value, which is Citizens Holding's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because Citizens Holding's market value can be influenced by many factors that don't directly affect Citizens Holding's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between Citizens Holding's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Citizens Holding should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, Citizens Holding's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.