Citizens Holding Company (CIZN)
OTHER OTC:CIZN
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Citizens Holding Company
(OTC:CIZN)
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Rating:65Neutral
Price Target:
$9.50
▲(17.14% Upside)
Action:DowngradedDate:12/30/25
The score is primarily held back by elevated balance-sheet risk from the sharp rise in leverage (debt-to-equity ~7.0x) and weak cash flow coverage of debt, despite improving operating performance and positive free cash flow. Offsetting this, technicals are constructive with the stock trading above major moving averages and positive MACD, and valuation is supportive with a low P/E and strong dividend yield.
Positive Factors
Low Debt Profile
A low debt profile enhances financial stability, providing the company with flexibility to navigate economic fluctuations and invest in growth opportunities without the burden of high interest obligations.
Negative Factors
Declining Revenue
Declining revenue suggests challenges in maintaining market share or demand for services, which could impact long-term growth prospects and necessitate strategic adjustments to reverse the trend.
Read all positive and negative factors
Positive Factors
Negative Factors
Low Debt Profile
A low debt profile enhances financial stability, providing the company with flexibility to navigate economic fluctuations and invest in growth opportunities without the burden of high interest obligations.
Read all positive factors
Citizens Holding Company (CIZN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$51.18M
Dividend Yield4.6%
Average Volume (3M)10.26K
Price to Earnings (P/E)5.5
Beta (1Y)0.37
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 Ratio0.05
Price to Book (P/B)1.06
Price to Sales (P/S)0.69
P/FCF Ratio8.07
Enterprise Value/Market Cap2.38
Enterprise Value/Revenue2.16
Enterprise Value/Gross Profit3.36
Enterprise Value/Ebitda68.39
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 makes money primarily through the interest income generated from its lending activities, including consumer, commercial, and real estate loans. It also earns revenue from non-interest income sources such as fees and servic...
Citizens Holding Company Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
30
Negative
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 56.29M | 73.95M | 57.07M | 49.76M | 49.88M | 50.17M |
| Gross Profit | 36.22M | 0.00 | 36.99M | 44.84M | 43.45M | 41.26M |
| EBITDA | 1.78M | 2.37M | 3.22M | 12.78M | 10.10M | 9.80M |
| Net Income | 1.85M | 5.49M | 1.85M | 9.62M | 7.49M | 6.93M |
Balance Sheet | ||||||
| Total Assets | 1.40B | 1.47B | 1.40B | 1.32B | 1.36B | 1.45B |
| Cash, Cash Equivalents and Short-Term Investments | 272.27M | 0.00 | 272.27M | 229.92M | 711.07M | 721.06M |
| Total Debt | 176.09M | 335.64M | 176.09M | 145.57M | 130.76M | 246.27M |
| Total Liabilities | 1.36B | 1.42B | 1.36B | 1.28B | 1.26B | 1.33B |
| Stockholders Equity | 42.77M | 48.09M | 42.77M | 39.02M | 105.90M | 119.55M |
Cash Flow | ||||||
| Free Cash Flow | 4.80M | 6.30M | 4.80M | 11.12M | 14.89M | 12.02M |
| Operating Cash Flow | 5.52M | 6.75M | 5.52M | 13.76M | 17.49M | 14.04M |
| Investing Cash Flow | -9.79M | -107.28M | -9.79M | -88.35M | 98.62M | -254.92M |
| Financing Cash Flow | 70.14M | 48.33M | 70.14M | 23.95M | -79.18M | 241.78M |
Citizens Holding Company Technical Analysis
Neutral
8.11
Price Trends
8.97
Positive
8.15
Positive
7.77
Positive
Market Momentum
0.03
Positive
41.63
Neutral
3.19
Positive
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 9.38, below the 50-day MA of 8.97, and above the 200-day MA of 7.77, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 41.63 is Neutral, neither overbought nor oversold. The STOCH value of 3.19 is Positive, 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 | $49.81M | 8.12 | 9.28% | 3.21% | 0.32% | 37.93% | |
78 Outperform | $65.70M | 3.00 | 14.54% | ― | 14.91% | 0.81% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $51.18M | 5.48 | 14.68% | 4.60% | 9.63% | 117.64% | |
54 Neutral | $36.63M | 30.97 | 1.71% | ― | 15.56% | ― | |
48 Neutral | $24.58M | -1.41 | -23.19% | 4.10% | 1.63% | -508.72% |
* Financial Sector Average
CIZN
Citizens Holding Company
9.10
1.11
13.89%
HFBL
Home Federal Bancorp Of Louisiana
16.20
3.65
29.06%
KFFB
Kentucky First Federal Bancorp
4.53
1.53
51.00%
OPHC
Optimumbank Holdings
5.40
1.23
29.50%
BAFN
BayFirst Financial Corp
5.98
-12.58
-67.78%
MBBC
Marathon Bancorp
13.99
4.23
43.34%
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.