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Citizens Holding Company (CIZN) AI Stock Analysis
Citizens Holding Company
(Other OTC:CIZN)
The score is supported most by inexpensive valuation and positive technical momentum, while financial performance is improving but still held back by balance-sheet leverage risk and uneven historical margins. Earnings call and corporate events were excluded because no usable data was provided.
Citizens Holding Company (CIZN) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $51.07M
- Dividend Yield
- ―
- Average Volume (3M)
- 3,941
- Price to Earnings (P/E)
- 5.3
- Beta (1Y)
- 0.37
- Revenue Growth
- 7.74%
- EPS Growth
- 76.97%
- Country
- US
- Employees
- 246
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Citizens Holding Company Business Overview & Revenue Model
Company Description
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. It...
Citizens Holding Company Financial Statement Overview
Summary
Revenue growth and improving 2025 profitability support the score, but margin volatility and prior leverage spikes limit confidence. Cash flow has improved meaningfully, while the balance sheet remains a concern because of elevated debt risk in a regional banking model.
Income Statement
72PositiveBalance Sheet
45NeutralCash Flow
68Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 84.83M | 82.64M | 73.95M | 57.07M | 49.76M | 49.88M |
| Gross Profit | 55.27M | 52.00M | 40.30M | 36.99M | 44.84M | 43.45M |
| EBITDA | 11.02M | 9.55M | 2.37M | 3.22M | 12.78M | 10.10M |
| Net Income | 9.51M | 8.15M | 5.49M | 1.85M | 9.62M | 7.49M |
Balance Sheet | ||||||
| Total Assets | 1.56B | 1.51B | 1.47B | 1.40B | 1.32B | 1.36B |
| Cash, Cash Equivalents and Short-Term Investments | 17.51M | 17.14M | 229.61M | 272.27M | 229.92M | 711.07M |
| Total Debt | 144.35M | 87.70M | 335.64M | 176.09M | 145.57M | 130.76M |
| Total Liabilities | 1.49B | 1.45B | 1.42B | 1.36B | 1.28B | 1.26B |
| Stockholders Equity | 69.69M | 62.13M | 48.09M | 42.77M | 39.02M | 105.90M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 13.59M | 6.30M | 4.80M | 11.12M | 14.89M |
| Operating Cash Flow | 0 | 15.21M | 6.75M | 5.52M | 13.76M | 17.49M |
| Investing Cash Flow | 0 | -19.61M | -107.28M | -9.79M | -88.35M | 98.62M |
| Financing Cash Flow | 0 | 26.65M | 48.33M | 70.14M | 23.95M | -79.18M |
Citizens Holding Company Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CIZN, the sentiment is Negative. The current price of 8.97 is above the 20-day moving average (MA) of 8.81, below the 50-day MA of 9.70, and below the 200-day MA of 9.54, indicating a neutral trend. The MACD of -0.22 indicates Negative momentum. The RSI at 44.53 is Neutral, neither overbought nor oversold. The STOCH value of 78.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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.
Latest Risks Added
1 New RiskCitizens Holding Company Peers Comparison
Overall Rating
OPHC83Outperform- CIZN67Neutral
HFBL64Neutral
KFFB62Neutral
BAFN52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OPHC | 83Outperform | $115.50M | 5.29 | 16.39% | ― | 24.01% | 20.16% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| CIZN | 67Neutral | $51.07M | 5.34 | 15.01% | ― | 7.74% | 76.97% |
| HFBL | 64Neutral | $69.25M | 10.68 | 11.12% | 2.43% | 7.94% | 43.98% |
| KFFB | 62Neutral | $43.18M | 22.64 | 3.86% | 0.94% | 8.69% | 958.30% |
| BAFN | 52Neutral | $156.38M | -0.55 | -42.84% | ― | -40.59% | -260.03% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CIZN | Citizens Holding | 8.97 | 2.27 | 33.88% | |
| HFBL | Home Federal Bancorp Inc. Of Louisiana | 22.85 | 6.90 | 43.23% | |
| KFFB | Kentucky First Federal | 5.34 | 1.39 | 35.29% | |
| OPHC | Optimumbank | 9.15 | 5.05 | 123.17% | |
| BAFN | BayFirst Financial Corp | 5.80 | -3.50 | -37.63% | |
| MBBC | Marathon Bancorp, Inc. | 14.44 | 3.50 | 31.95% |
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.
Date of analysis: Aug 06, 2026