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Citizens (YCX) Stock Price & Analysis

1 Followers

YCX Stock Chart & Stats

€3.36€0.00(7.69%)
At close: 5:30 PM GMT+1
€3.1€3.125€3.15Sep 9Oct 15
Day’s Range
EUR 3.36 - EUR 3.82
52-Week Range
EUR 2.44 - EUR 5.50
Previous Close
EUR 3.12
Volume
N/A
Average Volume (3M)
52
Market Cap
EUR 186.59M
Enterprise Value
EUR 178.13M
Total Cash (Recent Filing)
EUR 0
Total Debt (Recent Filing)
EUR 0
Price to Earnings (P/E)
24.4
Beta
0.98
Next Earnings
Mar 18, 2027 (Est.)
EPS Estimate
0.08
Next Dividend Ex-Date
N/A
Dividend Yield
N/A

Bulls Say, Bears Say

Bulls Say

Conservative Balance Sheet

Very low reported debt reduces financial risk and interest burden, giving Citizens greater flexibility to absorb credit or earnings pressure. The substantial equity base also provides a capital cushion that can support continued lending, technology investment, and regulatory resilience over the next several quarters.

Positive Cash Generation

Positive operating and free cash flow indicate that reported earnings are converting into cash rather than relying heavily on accounting gains. FCF at roughly 0.93 times net income supports internal funding capacity and gives management resources for operations, investment, and capital decisions.

Diversified Banking Model

A broad mix of retail, commercial, treasury, and wealth services diversifies customer relationships and revenue sources across banking needs. Combining branches with digital channels can deepen product usage and create recurring interest and fee opportunities across multiple customer segments.

Bears Say

Weaker Profitability

The sustained decline in net and EBITDA margins shows that less revenue is converting into earnings than in prior years. If this lower profitability persists, Citizens may have less capacity to build capital organically, invest in growth, or absorb higher operating and credit costs.

Lower Returns On Equity

Falling ROE indicates that Citizens is currently generating less profit from each dollar of shareholder equity, despite its low leverage. This weakens capital efficiency and could constrain the company’s ability to compound earnings unless profitability improves or asset and product economics strengthen.

Choppy Free Cash Flow Momentum

Negative recent FCF growth and the sharp variation between annual periods point to uneven cash-generation momentum. Although cash flow remains positive, this inconsistency can make internal funding less predictable and complicate decisions on lending expansion, investment, and capital allocation.

Citizens News

YCX FAQ

What was Citizens’s price range in the past 12 months?
Citizens lowest stock price was €2.44 and its highest was €5.50 in the past 12 months.
What is Citizens’s market cap?
Citizens’s market cap is €186.59M.
When is Citizens’s upcoming earnings report date?
Citizens’s next earnings report is estimated for Mar 18, 2027 (not yet confirmed), which is in 128 days.
How were Citizens’s earnings last quarter?
Citizens released its earnings results on Nov 05, 2026. The company reported €0.049 earnings per share for the quarter.
Is Citizens overvalued?
According to Wall Street analysts Citizens’s price is currently Undervalued.
Does Citizens pay dividends?
Citizens does not currently pay dividends.
What is Citizens’s EPS estimate?
Citizens’s EPS estimate is 0.08.
How many shares outstanding does Citizens have?
Citizens has 50,704,765 shares outstanding.
What happened to Citizens’s price movement after its last earnings report?
Citizens reported an EPS of €0.049 in its last earnings report. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Citizens?
Hedge funds hold Citizens shares: the largest hedge-fund position in Citizens is 2,091,127,944 shares, and hedge funds increased their holdings by 1.3K shares last quarter.
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology