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Citizens(OTC) CIZN

Market Cap$61.70MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1999)+93%
5 Year-23%
1 Year+52%
1 Month+10%
$10.97
+0.18%
+0.02Today
Citizens last closing stock price
MetricPriceDate
Last closeUSD 10.972026-08-14
Citizens stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.52%USD 10.702026-08-07
1 month+10.47%USD 9.932026-07-15
3 month+13.09%USD 9.702026-05-15
Year to date+38.69%USD 7.912025-12-31
1 year+51.94%USD 7.222025-08-14
3 year+18.85%USD 9.232023-08-15
5 year-23.17%USD 14.282021-08-13
Since inception+93.12%USD 5.681999-10-19

Citizens Financials at a Glance

Market Cap

$61.70MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$84.83M

Net Income (TTM)

$9.51M

EPS (TTM)

$1.68

P/E Ratio

6.54

Dividend

$0.00

Beta (Volatility)

0.12 (Low)

Price

$10.97

Volume

143

Open

$10.96

Previous Close

$10.97

Daily Range

$10.95 - $10.97

52-Week Range

$6.44 - $10.97

Estimated Earnings Date

Apr 16, 2026

CIZN News

No articles available.

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About Citizens

Citizens Holding Company operates as the parent corporation for The Citizens Bank of Philadelphia, providing a wide range of banking solutions for consumers and businesses. Established in 1908, the company is headquartered in Philadelphia, Mississippi, and focuses on delivering comprehensive financial services.

Products and Services
  • Various deposit accounts including checking, savings, and term deposits
  • Diverse credit products such as mortgages and commercial loans
  • Digital banking services through online and mobile platforms
Growth Outlook
  • Revenue of $20.55 million reported in Q1 2026, showing stability
  • Net income of $1.88 million in Q1 2026, indicating profitability
  • Consistent growth in interest income, reaching $17.48 million in Q1 2026
Financial Highlights
  • Trailing twelve months (TTM) P/E ratio of 6.90, suggesting attractive valuation
  • Net profit margin of 9.86% TTM, reflecting operational efficiency
  • Return on equity (ROE) of 13.92% TTM, indicating strong shareholder returns
Citizens Holding Company has established itself as a reliable player in the regional banking sector. The diverse range of products and services caters to both individual and commercial clients, enhancing customer loyalty and retention. The recent financial performance demonstrates a solid foundation, with consistent revenue and net income figures. The company's low P/E ratio and strong ROE suggest potential for growth and value for investors. As the financial landscape evolves, Citizens Holding Company is well-positioned to adapt and thrive, making it an intriguing option for those interested in regional banking investments.
AI Generated • Jul 18, 2026

Industry

Banks

Sector

Financials

Employees

246

CEO

Stacy M. Brantley

Website

www.thecitizensbankphila.com

Headquarters

Philadelphia, MS 39350, US

CIZN Financials

Key Financial Metrics (TTM)

Gross Margin

65.15%

Operating Margin

13.00%

Net Income Margin

11.22%

Return on Equity

15.01%

Return on Capital

6.37%

Return on Assets

0.61%

Earnings Yield

15.29%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$61.70MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.62M

Volume

143

Avg. Volume

3.39K

Financials (TTM)

Gross Profit

$55.27M

Operating Income

$11.02M

EBITDA

$11.02M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$17.51M

Total Debt

$144.35M

Citizens Performance Analysis

Citizens annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 50,586,000-0.2%
20232023-12-31USD 58,032,00014.7%
20242024-12-31USD 73,948,00027.4%
20252025-12-31USD 82,645,00011.8%
Citizens sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-304.0%
Q42025-12-31-0.8%
Q12026-03-31-1.8%
Q22026-06-308.4%
Citizens annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.7228.2%
20232023-12-31USD 0.33-80.8%
20242024-12-31USD 0.98195.6%
20252025-12-31USD 1.4447.1%
Citizens sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3027.3%
Q42025-12-31-11.9%
Q12026-03-31-10.8%
Q22026-06-3069.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$22.28M

+9.8%

Gross Profit

$15.40M

+20.4%

Gross Margin

69.09%

N/A

Market Cap

$61.70MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$250.80K

N/A

Employees

246

N/A

Net Income

$3.20M

+72.8%

EBITDA

$3.83M

+65.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$17.51M

-95.1%

Total Debt

$144.35M

-51.6%

Accounts Receivable

$5.71M

-0.4%

Inventory

$0.00

N/A

Long Term Debt

$17.60M

+26.6%

Short Term Debt

$126.75M

-55.5%

Return on Assets

0.61%

N/A

Return on Invested Capital

0.77%

N/A

Free Cash Flow

$0.00

-100.0%

Operating Cash Flow

$0.00

-100.0%

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Questions About CIZN

What is the current price of Citizens?

Citizens is trading at $10.97 per share.

What is the 52-week range for Citizens?

Over the past 52 weeks, Citizens has traded between $6.44 and $10.97.

How much debt does Citizens have?

As of the most recent reporting period, Citizens reported total debt of $144.35M.

How much cash does Citizens have on hand?

Citizens does not have cash on hand data available.

What is Citizens’s dividend yield?

Citizens does not currently have a dividend yield.

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