Citizens Holding Company (CIZN)
OTHER OTC:CIZN
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Citizens Holding Company
(OTC:CIZN)
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Rating:64Neutral
Price Target:
$9.50
▲(17.14% Upside)
Action:ReiteratedDate:03/31/26
The score is driven by attractive valuation (very low P/E and ~4% dividend yield) and improving 2025 financial performance (better profitability, stronger cash flow, and reduced leverage). Offsetting this, technical indicators show weak near-term momentum, and data-consistency flags plus historical volatility in margins/leverage temper confidence.
Positive Factors
Consistent multi-year revenue growth
Multi-year top-line growth shows durable demand for core lending and deposit services, enabling steady franchise expansion. Consistent revenue increases support loan book growth and fee income, improving forecasting, underwriting capacity, and the bank's ability to invest in service capabilities over months.
Negative Factors
Historic volatility in leverage and margins
Wide swings in capital structure and profit margins indicate earnings and balance-sheet sensitivity to business mix or funding shifts. Such inconsistency raises execution and risk-management concerns, complicating multi-period forecasting and increasing downside in adverse economic conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent multi-year revenue growth
Multi-year top-line growth shows durable demand for core lending and deposit services, enabling steady franchise expansion. Consistent revenue increases support loan book growth and fee income, improving forecasting, underwriting capacity, and the bank's ability to invest in service capabilities over months.
Read all positive factors
Citizens Holding Company (CIZN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$50.48M
Dividend Yield4.6%
Average Volume (3M)10.26K
Price to Earnings (P/E)5.5
Beta (1Y)0.36
Revenue Growth9.63%
EPS Growth117.64%
CountryUS
Employees246
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.37
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 Cap2.41
Enterprise Value/Revenue2.16
Enterprise Value/Gross Profit3.35
Enterprise Value/Ebitda68.27
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
Citizens Holding Company Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
Citizens Holding Company primarily makes money through the earnings of its banking subsidiary, Citizens National Bank. The core revenue model is typical of a community bank: (1) Net interest income, generated by earning interest on loans and other...
Citizens Holding Company Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
52
Neutral
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 56.29M | 82.64M | 73.95M | 57.07M | 49.76M | 49.88M |
| Gross Profit | 36.22M | 52.00M | 0.00 | 36.99M | 44.84M | 43.45M |
| EBITDA | 1.78M | 9.55M | 2.37M | 3.22M | 12.78M | 10.10M |
| Net Income | 1.85M | 8.15M | 5.49M | 1.85M | 9.62M | 7.49M |
Balance Sheet | ||||||
| Total Assets | 1.40B | 1.51B | 1.47B | 1.40B | 1.32B | 1.36B |
| Cash, Cash Equivalents and Short-Term Investments | 272.27M | 17.14M | 0.00 | 272.27M | 229.92M | 711.07M |
| Total Debt | 176.09M | 87.70M | 335.64M | 176.09M | 145.57M | 130.76M |
| Total Liabilities | 1.36B | 1.45B | 1.42B | 1.36B | 1.28B | 1.26B |
| Stockholders Equity | 42.77M | 62.13M | 48.09M | 42.77M | 39.02M | 105.90M |
Cash Flow | ||||||
| Free Cash Flow | 4.80M | 13.59M | 6.30M | 4.80M | 11.12M | 14.89M |
| Operating Cash Flow | 5.52M | 15.21M | 6.75M | 5.52M | 13.76M | 17.49M |
| Investing Cash Flow | -9.79M | -19.61M | -107.28M | -9.79M | -88.35M | 98.62M |
| Financing Cash Flow | 70.14M | 26.65M | 48.33M | 70.14M | 23.95M | -79.18M |
Citizens Holding Company Technical Analysis
Neutral
8.11
Price Trends
9.19
Negative
8.43
Positive
7.80
Positive
Market Momentum
-0.07
Positive
43.84
Neutral
36.75
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CIZN, the sentiment is Neutral. The current price of 8.11 is below the 20-day moving average (MA) of 9.11, below the 50-day MA of 9.19, and above the 200-day MA of 7.80, indicating a neutral trend. The MACD of -0.07 indicates Positive momentum. The RSI at 43.84 is Neutral, neither overbought nor oversold. The STOCH value of 36.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CIZN.
Citizens Holding Company Risk Analysis
Citizens Holding Company disclosed 32 risk factors in its most recent earnings report. Citizens Holding Company reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 1 New Risks
1.
The Company is subject to risks related to recent events impacting the financial services industry. Q4, 2023
Citizens Holding Company Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $55.04M | 8.12 | 9.28% | 3.21% | 0.32% | 37.93% | |
78 Outperform | $64.00M | 3.00 | 14.54% | ― | 14.91% | 0.81% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $50.48M | 5.48 | 14.68% | 4.60% | 9.63% | 117.64% | |
54 Neutral | $36.15M | 30.97 | 1.71% | ― | 15.56% | ― | |
46 Neutral | $28.14M | -1.41 | -23.19% | 4.10% | 1.63% | -508.72% |
* Financial Sector Average
CIZN
Citizens Holding Company
9.25
1.47
18.89%
HFBL
Home Federal Bancorp Of Louisiana
18.21
5.39
42.03%
KFFB
Kentucky First Federal Bancorp
4.29
1.47
52.13%
OPHC
Optimumbank Holdings
5.29
1.57
42.20%
BAFN
BayFirst Financial Corp
6.82
-6.39
-48.37%
MBBC
Marathon Bancorp
14.15
4.32
43.95%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.