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CIZN Stock Chart & Stats
$8.11
$0.00(0.00%)
At close: 4:00 PM EST
$8.11
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$6.44 - $10.20
Previous CloseN/A
Volume247.00
Average Volume (3M)10.26K
Market Cap
$55.85M
Enterprise Value$125.55
Total Cash (Recent Filing)$23.20M
Total Debt (Recent Filing)$96.97M
Price to Earnings (P/E)6.9
Beta0.34
Next Earnings
Jul 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield4.6%
Share Statistics
EPS (TTM)1.12
Shares Outstanding5,624,052
10 Day Avg. Volume4,211
30 Day Avg. Volume10,261
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)0.72
Price to Sales (P/S)0.54
P/FCF Ratio3.29
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Consistent Revenue GrowthMulti-year top-line expansion demonstrates durable demand for the bank's retail and commercial services within its footprint. Consistent revenue growth supports reinvestment in branch and lending capacity, underpins margin recovery, and increases resilience of core net interest and fee income streams over months.
Improved Cash GenerationStrengthened operating and free cash flow in 2025 provides sustainable internal funding for loan growth, capital needs, and shareholder distributions. Positive free cash flow history, despite prior choppiness, enhances liquidity and strategic optionality for the bank over the medium term.
Sharply Reduced Leverage In 2025A marked reduction in leverage materially lowers solvency and funding risk, improving regulatory and market confidence. A healthier capital structure increases capacity to absorb credit stress, fund lending, and sustain operations through industry cycles over the coming months.
Bears Say
Volatile Margins And Leverage HistoryWide swings in margins and leverage point to earnings sensitivity to balance-sheet mix, credit trends, and interest rates. That variability complicates forecasting and heightens risk that profitability and capital metrics could deteriorate again during adverse local or rate-cycle shifts.
Data-quality And Reporting InconsistenciesNoted reporting anomalies reduce confidence in trend interpretation and make ratio analysis unreliable. Persistent data-quality flags hinder robust financial modeling, risk assessment, and oversight, raising execution and governance concerns that are structural until corrected.
Regional Concentration And Limited ScaleA small, regionally focused franchise faces limited diversification and scale economies versus larger competitors. That structural constraint increases exposure to local economic cycles, compresses margin flexibility, and may limit long-term efficiency gains and product expansion.
Citizens Holding Company News
CIZN FAQ
What was Citizens Holding Company’s price range in the past 12 months?
Citizens Holding Company lowest stock price was $6.44 and its highest was $10.20 in the past 12 months.
What is Citizens Holding Company’s market cap?
Citizens Holding Company’s market cap is $55.85M.
When is Citizens Holding Company’s upcoming earnings report date?
Citizens Holding Company’s upcoming earnings report date is Jul 23, 2026 which is in 6 days.
How were Citizens Holding Company’s earnings last quarter?
Citizens Holding Company released its earnings results on Apr 27, 2026. The company reported $0.331 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is Citizens Holding Company overvalued?
According to Wall Street analysts Citizens Holding Company’s price is currently Overvalued.
Does Citizens Holding Company pay dividends?
Citizens Holding Company pays a Quarterly dividend of $0.02 which represents an annual dividend yield of 4.6%. See more information on Citizens Holding Company dividends here
What is Citizens Holding Company’s EPS estimate?
Citizens Holding Company’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Citizens Holding Company have?
Citizens Holding Company has 5,624,052 shares outstanding.
What happened to Citizens Holding Company’s price movement after its last earnings report?
Citizens Holding Company reported an EPS of $0.331 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 2.174%.
Which hedge fund is a major shareholder of Citizens Holding Company?
Currently, no hedge funds are holding shares in CIZN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Citizens Holding Company Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
-26.02%
12-Months-Change
Fundamentals
Return on Equity
13.92%
Trailing 12-Months
Asset Growth
-3.62%
Trailing 12-Months
Company Description
Citizens Holding Company
Citizens Holding Company functions as the parent corporation for The Citizens Bank of Philadelphia, a financial institution that delivers a comprehensive suite of banking solutions designed for both individual consumers and commercial enterprises. Its offerings include various deposit accounts, such as checking, savings, and term deposits. The company also extends a diverse range of credit products, encompassing both secured and unsecured loans. These credit facilities span mortgages, financing for single and multi-family residences, farm operations, residential and commercial construction projects, and general commercial real estate. Additionally, they provide industrial, agricultural production, and consumer loans, alongside issuing letters of credit. Beyond traditional banking, the company provides personal and corporate trust administration, offers credit life and title insurance, and facilitates convenient digital banking through online and mobile platforms. Established in 1908, the company maintains its headquarters in Philadelphia, Mississippi.
Technical Analysis
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Ownership Overview
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Insiders
0.06% Mutual Funds
4.02% Other Institutional Investors
95.84% Public Companies and
Individual Investors