NASDAQ:CIZN Citizens (CIZN) Stock Price, News & Analysis $7.10 -0.10 (-1.39%) As of 03:30 PM Eastern Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsHeadlinesInsider TradesSEC FilingsShort InterestTrendsBuy This Stock About Citizens Stock (NASDAQ:CIZN) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get Citizens alerts:Sign Up Key Stats Today's Range$7.10▼$7.1850-Day Range$7.10▼$8.4852-Week Range$7.00▼$11.00Volume4,290 shsAverage Volume3,877 shsMarket Capitalization$40.14 millionP/E Ratio7.24Dividend Yield1.13%Price Target$26.00Consensus RatingBuy Company Overview Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various commercial and personal banking products and services. It offers demand deposits; and savings and time deposit accounts. The company also provides secured and unsecured loans; mortgage loans; single and multi-family housing, farm, residential and commercial construction, and commercial real estate loans; commercial, industrial, and agricultural production loans; and consumer loans, as well as issues letters of credit. In addition, it offers personal and corporate trust services; credit life and title insurance; and online and mobile banking services. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi. Read More Citizens Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks66th Percentile Overall ScoreCIZN MarketRank™: Citizens scored higher than 66% of companies evaluated by MarketBeat, and ranked 483rd out of 934 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion3.5 / 5Analyst RatingBuy Consensus RatingCitizens has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 buy rating, no hold ratings, and no sell ratings.Amount of Analyst CoverageCitizens has only been the subject of 1 research reports in the past 90 days.Read more about Citizens' stock forecast and price target. Earnings and Valuation1.9 / 5Proj. Earnings GrowthN/A Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens is 7.24, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 27.18.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens is 7.24, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 18.77.Price to Book Value per Share RatioCitizens has a P/B Ratio of 0.93. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.36% of the float of Citizens has been sold short.Short Interest Ratio / Days to CoverCitizens has a short interest ratio ("days to cover") of 1.4, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Citizens has recently increased by 1.10%, indicating that investor sentiment is decreasing. Dividend1.7 / 5Dividend StrengthWeak Dividend YieldCitizens pays a meaningful dividend of 1.11%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthCitizens has only been increasing its dividend for 1 years.Dividend CoverageThe dividend payout ratio of Citizens is 8.42%. This payout ratio is at a healthy, sustainable level, below 75%.Read more about Citizens' dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.36% of the float of Citizens has been sold short.Short Interest Ratio / Days to CoverCitizens has a short interest ratio ("days to cover") of 1.4, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Citizens has recently increased by 1.10%, indicating that investor sentiment is decreasing. News and Social MediaN/ANews SentimentN/A Company Ownership0.0 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, Citizens insiders have not sold or bought any company stock.Percentage Held by InsidersOnly 8.90% of the stock of Citizens is held by insiders.Percentage Held by InstitutionsOnly 9.74% of the stock of Citizens is held by institutions.Read more about Citizens' insider trading history. 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CIZN Stock News HeadlinesCitizens Holding Company Reports Earnings | CIZN Stock NewsJuly 29, 2025 | gurufocus.comCitizens Holding Company Reports EarningsJuly 29, 2025 | businesswire.comA New Way to Double Your Retirement Income?Bloomberg reports that a new class of investments is “entering a golden era,” with yields fueling a retail boom. For retirees, that could mean a way to generate reliable monthly income—without the outdated 4% withdrawal rule, risky trading, or high-fee annuities. If you’re ready to stop worrying about money running out and start enjoying the freedom to cover expenses, treat loved ones, and live life on your terms, this may be exactly what you’ve been waiting for.August 28 at 2:00 AM | Investors Alley (Ad)Citizens Financial Group Announces Second Quarter 2025 Earnings Conference Call DetailsJune 30, 2025 | businesswire.comTeck Named to 2025 Best 50 Corporate Citizens in CanadaJune 26, 2025 | globenewswire.comCareer Financial Services Leader Appointed to First Citizens BancShares Board of DirectorsJune 26, 2025 | prnewswire.comCitizens Holding Company Announces Quarterly Dividend | CIZN Stock NewsJune 9, 2025 | gurufocus.comFirst Citizens BancShares: Strong Returns On Equity Should Lead To OutperformanceJune 2, 2025 | seekingalpha.comSee More Headlines CIZN Stock Analysis - Frequently Asked Questions How have CIZN shares performed this year? Citizens' stock was trading at $9.06 at the start of the year. Since then, CIZN shares have decreased by 21.6% and is now trading at $7.10. How were Citizens' earnings last quarter? Citizens Holding (NASDAQ:CIZN) posted its earnings results on Friday, July, 24th. The bank reported $0.26 earnings per share for the quarter. The bank earned $10.82 million during the quarter. Citizens had a net margin of 7.00% and a trailing twelve-month return on equity of 11.28%. How do I buy shares of Citizens? Shares of CIZN stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Citizens own? Based on aggregate information from My MarketBeat watchlists, some other companies that Citizens investors own include NVIDIA (NVDA), Broadcom (AVGO), Arista Networks (ANET), e.l.f. Beauty (ELF), Jabil (JBL), Meta Platforms (META) and Adobe (ADBE). Company Calendar Last Earnings7/24/2020Record date for 6/30 Dividend6/16/2025Dividend Payable6/30/2025Today8/28/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry State commercial banks Sub-IndustryBanking Current SymbolNASDAQ:CIZN CIK1075706 Webwww.citizensholdingcompany.com Phone(601) 656-4692Fax601-656-4264Employees250Year FoundedN/APrice Target and Rating Average Price Target for Citizens$26.00 High Price Target$26.00 Low Price Target$26.00 Potential Upside/Downside+266.2%Consensus RatingBuy Rating Score (0-4)3.00 Research Coverage1 Analysts Profitability EPS (Trailing Twelve Months)$0.95 Trailing P/E Ratio7.24 Forward P/E RatioN/A P/E GrowthN/ANet Income$5.49 million Net Margins7.00% Pretax MarginN/A Return on Equity11.28% Return on Assets0.37% Debt Debt-to-Equity RatioN/A Current Ratio0.58 Quick Ratio0.58 Sales & Book Value Annual Sales$40.95 million Price / Sales0.98 Cash Flow$0.77 per share Price / Cash Flow9.25 Book Value$7.63 per share Price / Book0.93Miscellaneous Outstanding Shares5,654,000Free Float5,135,000Market Cap$40.14 million OptionableNot Optionable Beta-0.02 Social Links Options Trading Made Easy - Download NowLearn the basics of options trading and how to use them to boost returns and manage risk with this free report from MarketBeat. 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