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Citizens Holding CompanyOTCPK:CIZN Stock Report

Market Cap US$59.2m
Share Price
n/a
1Y57.7%
7D-1.4%
1D-0.3%
Portfolio Value
​
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Citizens Holding Company

OTCPK:CIZN Stock Report

Market Cap: US$59.2m

Citizens Holding (CIZN) Stock Overview

Operates as the bank holding company for The Citizens Bank of Philadelphia that provides various banking products and services. More details

CIZN fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance4/6
Financial Health5/6
Dividends0/6

Rewards

Trading at 5.4% below our estimate of its fair value

Earnings grew by 78.6% over the past year

Risk Analysis

Earnings have declined by 4.6% per year over past 5 years

Does not have a meaningful market cap ($59M)


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Citizens Holding Company Competitors

Price History & Performance

Summary of share price highs, lows and changes for Citizens Holding
Historical stock prices
Current Share PriceUS$10.52
52 Week HighUS$11.00
52 Week LowUS$6.44
Beta0.066
1 Month Change-4.10%
3 Month Change10.74%
1 Year Change57.72%
3 Year Change3.54%
5 Year Change-40.36%
Change since IPO-36.72%

Recent News & Updates

Recent updates

Analysis Article • Jun 08

Citizens Holding (NASDAQ:CIZN) Will Pay A Smaller Dividend Than Last Year

Citizens Holding Company ( NASDAQ:CIZN ) has announced it will be reducing its dividend payable on the 30th of June to...
Analysis Article • Mar 10

Citizens Holding (NASDAQ:CIZN) Is Paying Out A Dividend Of $0.24

The board of Citizens Holding Company ( NASDAQ:CIZN ) has announced that it will pay a dividend on the 31st of March...
Seeking Alpha • Aug 25

Citizens Holding declares $0.24 dividend

Citizens Holding (NASDAQ:CIZN) declares $0.24/share quarterly dividend, in line with previous. Forward yield 5.49% Payable Sept. 30; for shareholders of record Sept. 16; ex-div Sept. 15. See CIZN Dividend Scorecard, Yield Chart, & Dividend Growth.
Seeking Alpha • Jul 26

Citizens Holding GAAP EPS of $0.45, revenue of $11.53M

Citizens Holding press release (NASDAQ:CIZN): Q2 GAAP EPS of $0.45. Revenue of $11.53M (-9.9% Y/Y). Yields on earning assets increased 12 basis points (“bps”) to 302 bps for the three months ended June 30, 2022 compared to 290 bps for the three months ended March 31, 2022 and increased 7 bps compared to 295 bps for the three months ended June 30, 2021. Net interest income for the three months ended June 30, 2022 was $8,763, an increase of $476, or 5.74%, compared to $8,287 for the three months ended March 31, 2022, and an increase of $269, or 3.17%, compared to $8,494 for the three months ended June 30, 2021.
Analysis Article • Dec 05

Citizens Holding (NASDAQ:CIZN) Has Re-Affirmed Its Dividend Of US$0.24

Citizens Holding Company ( NASDAQ:CIZN ) will pay a dividend of US$0.24 on the 31st of December. This makes the...
Analysis Article • Jun 14

Citizens Holding (NASDAQ:CIZN) Has Affirmed Its Dividend Of US$0.24

Citizens Holding Company's ( NASDAQ:CIZN ) investors are due to receive a payment of US$0.24 per share on 30th of June...
Analysis Article • Apr 21

We think Citizens Holding Company's (NASDAQ:CIZN) CEO May Struggle To See Much Of A Pay Rise This Year

Performance at Citizens Holding Company ( NASDAQ:CIZN ) has been reasonably good and CEO Greg McKee has done a decent...
Analysis Article • Apr 18

Do Citizens Holding's (NASDAQ:CIZN) Earnings Warrant Your Attention?

It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...
Analysis Article • Mar 11

Don't Buy Citizens Holding Company (NASDAQ:CIZN) For Its Next Dividend Without Doing These Checks

It looks like Citizens Holding Company ( NASDAQ:CIZN ) is about to go ex-dividend in the next four days. If you...
Analysis Article • Feb 01

Should Citizens Holding Company (NASDAQ:CIZN) Be Part Of Your Dividend Portfolio?

Could Citizens Holding Company ( NASDAQ:CIZN ) be an attractive dividend share to own for the long haul? Investors are...
Analysis Article • Dec 11

We Wouldn't Be Too Quick To Buy Citizens Holding Company (NASDAQ:CIZN) Before It Goes Ex-Dividend

Some investors rely on dividends for growing their wealth, and if you're one of those dividend sleuths, you might be...
Analysis Article • Nov 24

Citizens Holding's (NASDAQ:CIZN) Stock Price Has Reduced 15% In The Past Three Years

As an investor its worth striving to ensure your overall portfolio beats the market average. But if you try your hand...

Shareholder Returns

CIZNUS BanksUS Market
7D-1.4%-0.7%-0.9%
1Y57.7%17.8%13.9%

Return vs Industry: CIZN exceeded the US Banks industry which returned 17.8% over the past year.

Return vs Market: CIZN exceeded the US Market which returned 13.9% over the past year.

Price Volatility

Is CIZN's price volatile compared to industry and market?
CIZN volatility
CIZN Average Weekly Movement3.6%
Banks Industry Average Movement3.1%
Market Average Movement6.9%
10% most volatile stocks in US Market15.3%
10% least volatile stocks in US Market2.9%

Stable Share Price: CIZN has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CIZN's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1908n/aStacy Brantleywww.thecitizensbankphila.com

Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various banking products and services. It offers short-term and long-term demand, insured cash sweep, time, and non-interest-bearing deposits; health savings, individual retirement, business and personal savings and checking, and NOW and money market accounts; and long-term certificates of deposits, as well as mobile and remote deposits. The company also provides real estate land development and construction, farmland, 1-4 family mortgage, and commercial real estate loans; and business loans, including commercial and industrial, working capital, machinery and equipment, inventory, business acquisition, agricultural, municipal, commercial building, multi-family apartment, land development, and construction loans, as well as consumer and personal loans.

Citizens Holding Company Fundamentals Summary

How do Citizens Holding's earnings and revenue compare to its market cap?
CIZN fundamental statistics
Market capUS$59.17m
Earnings (TTM)US$9.53m
Revenue (TTM)US$55.67m
6.2x
P/E Ratio
0.8x
P/B Ratio

Is CIZN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CIZN income statement (TTM)
RevenueUS$55.67m
Cost of RevenueUS$0
Gross ProfitUS$55.67m
Other ExpensesUS$46.14m
EarningsUS$9.53m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)1.69
Gross Margin100.00%
Net Profit Margin17.12%
Debt/Equity Ratio207.1%

How did CIZN perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/14 09:20
End of Day Share Price 2026/09/11 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Citizens Holding Company is covered by 2 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Christopher McGrattyKeefe, Bruyette, & Woods
Catherine Summerson MealorKeefe, Bruyette, & Woods