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Citizens Holding Company
(OTC:CIZN)
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Rating:69Neutral
Price Target:
$10.00
▼(-3.85% Downside)
Action:Reiterated
Date:08/06/26
The score is supported primarily by improving 2025 financial performance (better profitability, stronger cash generation, and sharply reduced leverage) and constructive technical trend signals (price above key moving averages with positive MACD). Valuation is also favorable given the low P/E, but the overall score is tempered by historical volatility in margins/leverage and multiple data-quality inconsistencies in the financial statement inputs.
Positive Factors
Sustained Revenue Growth
Revenue growth of 11.8% in 2025, following 29.6% in 2024 and 14.7% in 2023, indicates sustained expansion rather than a single-period improvement. This broader top line can support scale, customer reach, and recurring earning capacity over the next several quarters.
Negative Factors
Volatile Profit Margins
The wide swings in profitability make it difficult to treat the 2025 margin recovery as fully established. Persistent earnings variability can complicate capital planning, reduce confidence in forward earnings capacity, and leave results more sensitive to changes in the banking environment.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Revenue growth of 11.8% in 2025, following 29.6% in 2024 and 14.7% in 2023, indicates sustained expansion rather than a single-period improvement. This broader top line can support scale, customer reach, and recurring earning capacity over the next several quarters.
Read all positive factors
Citizens Holding Company (CIZN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$51.18M
Dividend Yield4.21%
Average Volume (3M)4.12K
Price to Earnings (P/E)5.3
Beta (1Y)0.37
Revenue Growth7.74%
EPS Growth76.97%
CountryUS
Employees246
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.68
Shares Outstanding5,693,611
10 Day Avg. Volume6,056
30 Day Avg. Volume4,117
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 Cap3.55
Enterprise Value/Revenue2.14
Enterprise Value/Gross Profit3.29
Enterprise Value/Ebitda16.49
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 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....
How the Company Makes Money
Citizens Holding Company primarily makes money through the operations of its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from interest and fees earned on interest-earning asset...
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 | 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 | 0.00 | 13.59M | 6.30M | 4.80M | 11.12M | 14.89M |
| Operating Cash Flow | 0.00 | 15.21M | 6.75M | 5.52M | 13.76M | 17.49M |
| Investing Cash Flow | 0.00 | -19.61M | -107.28M | -9.79M | -88.35M | 98.62M |
| Financing Cash Flow | 0.00 | 26.65M | 48.33M | 70.14M | 23.95M | -79.18M |
Citizens Holding Company Technical Analysis
Negative
10.40
Price Trends
10.38
Negative
10.01
Negative
9.47
Negative
Market Momentum
-0.36
Positive
22.51
Positive
6.23
Positive
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 10.4 is above the 20-day moving average (MA) of 10.06, above the 50-day MA of 10.38, and above the 200-day MA of 9.47, indicating a bearish trend. The MACD of -0.36 indicates Positive momentum. The RSI at 22.51 is Positive, neither overbought nor oversold. The STOCH value of 6.23 is Positive, 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.
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 |
|---|---|---|---|---|---|---|---|
83 Outperform | $108.55M | 5.09 | 16.39% | ― | 24.01% | 20.16% | |
72 Outperform | $73.22M | 11.95 | 10.69% | 2.22% | 7.71% | 60.72% | |
69 Neutral | $51.18M | 5.33 | 15.01% | 4.21% | 7.74% | 76.97% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $45.85M | 24.37 | 3.86% | 0.87% | 8.69% | 958.30% | |
47 Neutral | $208.96M | -0.49 | -63.67% | 124.80% | -35.76% | -909.39% |
* Financial Sector Average
CIZN
Citizens Holding Company
8.95
2.25
33.58%
HFBL
Home Federal Bancorp Of Louisiana
25.01
11.16
80.65%
KFFB
Kentucky First Federal Bancorp
5.75
1.79
45.31%
OPHC
Optimumbank Holdings
8.81
4.62
110.26%
BAFN
BayFirst Financial Corp
7.26
-2.83
-28.05%
MBBC
Marathon Bancorp
14.90
4.40
41.90%
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.