Accessibility Menu
Citizens logo

Citizens(OTC) CIZN

Current Price$10.00
Market Cap$55.57MMarket 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)+74%
5 Year-30%
1 Year+31%
1 Month+1%
Citizens last closing stock price
MetricPriceDate
Last closeUSD 9.882026-07-23
Citizens stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.2%USD 10.002026-07-16
1 month+1.33%USD 9.752026-06-23
3 month+6.81%USD 9.252026-04-22
Year to date+24.91%USD 7.912025-12-31
1 year+31.21%USD 7.532025-07-23
3 year-7.47%USD 10.682023-07-24
5 year-30.2%USD 14.152021-07-23
Since inception+73.93%USD 5.681999-10-19

Citizens Financials at a Glance

Market Cap

$55.57MMarket 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)

$82.84M

Net Income (TTM)

$8.17M

EPS (TTM)

$1.45

P/E Ratio

6.84

Dividend

$0.00

Beta (Volatility)

0.12 (Low)

Price

$10.00

Volume

5,885

Open

$10.00

Previous Close

$9.88

Daily Range

$9.98 - $10.25

52-Week Range

$6.44 - $10.25

Estimated Earnings Date

Apr 16, 2026

CIZN News

No articles available.

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

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

63.58%

Operating Margin

11.48%

Net Income Margin

9.86%

Return on Equity

13.92%

Return on Capital

6.37%

Return on Assets

0.53%

Earnings Yield

14.62%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$55.57MMarket 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

5.88K

Avg. Volume

3.14K

Financials (TTM)

Gross Profit

$52.66M

Operating Income

$9.51M

EBITDA

$9.51M

Operating Cash Flow

$1.14M

Capital Expenditure

-$85.00K

Free Cash Flow

$1.05M

Cash & ST Invst.

$23.20M

Total Debt

$96.97M

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
Q22025-06-30-0.4%
Q32025-09-304.0%
Q42025-12-31-0.8%
Q12026-03-31-1.8%
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
Q22025-06-30N/A
Q32025-09-3027.3%
Q42025-12-31-11.9%
Q12026-03-31-10.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$20.55M

+0.9%

Gross Profit

$13.05M

+5.3%

Gross Margin

63.53%

N/A

Market Cap

$55.57MMarket 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

$225.88K

N/A

Employees

246

N/A

Net Income

$1.88M

+1.7%

EBITDA

$2.20M

-1.7%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$23.20M

+40.1%

Total Debt

$96.97M

-65.4%

Accounts Receivable

$5.27M

-4.5%

Inventory

$0.00

N/A

Long Term Debt

$18.05M

+22.8%

Short Term Debt

$78.92M

-70.3%

Return on Assets

0.53%

N/A

Return on Invested Capital

0.66%

N/A

Free Cash Flow

$0.00

-100.0%

Operating Cash Flow

$0.00

-100.0%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
OAKVOak View Bankshares, Inc.
$15.75-0.35%
WDFNWoodlands Financial Services Company
$32.80+0.15%
TMAKTouchmark Bancshares, Inc.
$9.60+0.00%
ALBYCommunity Capital Bancshares, Inc.
$31.99+0.00%

Trending Stocks

Symbol / CompanyPricePrice Chg
TSLLDirexion Shares ETF Trust - Direxion Daily Tsla Bull 2x Shares
$7.22-0.07%
NOKNokia
$9.09-0.07%
TAT&T
$24.06+0.05%
CLFCleveland-Cliffs
$11.71+0.07%

Questions About CIZN

What is the current price of Citizens?

Citizens is trading at $10.00 per share.

What is the 52-week range for Citizens?

Over the past 52 weeks, Citizens has traded between $6.44 and $10.25.

How much debt does Citizens have?

As of the most recent reporting period, Citizens reported total debt of $96.97M.

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.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services