Citizens (CIZN) Stock Price, News & Analysis

Company Overview

Citizens, Inc. (NASDAQ: CIZN) is a bank holding company headquartered in Rochester, New York, offering a full suite of financial services through its wholly owned subsidiary, Citizens State Bank. The company focuses on community banking, serving individuals, families and small to midsize businesses in Upstate New York and northern Pennsylvania. By maintaining a local presence, Citizens aims to build long-term relationships with customers and support regional economic growth through personalized lending and deposit solutions.

Through its banking subsidiary, Citizens provides traditional depository products such as checking and savings accounts, money market accounts and certificates of deposit. The company’s lending portfolio includes residential mortgage loans, home equity lines of credit, consumer installment loans and small business loans. Citizens also participates in government-guaranteed lending programs, offering SBA-backed loans and farmer Mac agricultural financing to support local entrepreneurs and agricultural enterprises.

In addition to core banking, Citizens has expanded its digital banking capabilities with online and mobile platforms that offer account opening, bill payment, remote deposit capture and mobile wallet integration. The bank’s treasury management services feature ACH origination, wire transfers, positive pay and sweep accounts for businesses. Citizens further enhances its service offering through partnership arrangements for trust and wealth management, insurance products and retirement planning solutions.

Founded in 1873 as a mutual savings association, Citizens converted to a stock charter in the 1980s and completed its initial public offering in 2015 to support strategic growth initiatives. The company is led by Chief Executive Officer John M. Smith, who has over 25 years of experience in community banking, and Chief Financial Officer Jane A. Doe, a veteran of regional banking and finance. Both executives emphasize disciplined risk management, community engagement and investment in digital tools to strengthen the bank’s competitive position.

Key Stats

• Today's Range: $8.40 to $8.40
• 50-Day Range: $8.27 to $8.69
• 52-Week Range: $7.00 to $11.00
• Volume: 680 shs
• Average Volume: 3,341 shs
• Market Capitalization: $47.49 million
• P/E Ratio: 8.57
• Dividend Yield: 0.95%
• Price Target: $26.00
• Consensus Rating: Buy

Citizens Stock Analysis - MarketRank™

Citizens scored higher than 43% of companies evaluated by MarketBeat, and ranked 665th out of 906 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

Citizens 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 Coverage

Citizens has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Citizens is 8.57, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens is 8.57, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.07.

Price to Book Value per Share Ratio

Citizens has a P/B Ratio of 1.10. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

0.35% of the float of Citizens has been sold short.

Short Interest Ratio / Days to Cover

Citizens has a short interest ratio ("days to cover") of 10, which indicates bearish sentiment.

Change versus previous month

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Citizens has a dividend yield of 0.94%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Citizens has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of Citizens is 10.00%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.35% of the float of Citizens has been sold short.

Short Interest Ratio / Days to Cover

Citizens has a short interest ratio ("days to cover") of 10, which indicates bearish sentiment.

Change versus previous month

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Citizens insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 8.90% of the stock of Citizens is held by insiders.

Percentage Held by Institutions

Only 9.74% of the stock of Citizens is held by institutions.

CIZN Stock Analysis - Frequently Asked Questions

How have CIZN shares performed this year?

Citizens' stock was trading at $9.06 at the beginning of the year. Since then, CIZN stock has decreased by 7.3% and is now trading at $8.40.

How were Citizens' earnings last quarter?

Citizens Holding (NASDAQ:CIZN) issued its earnings results on Friday, July, 24th. The bank reported $0.26 earnings per share (EPS) for the quarter. The bank had revenue of $10.82 million for the quarter. Citizens had a trailing twelve-month return on equity of 11.28% and a net margin of 7.00%.

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 Earnings: 7/24/2020
• Record date for 6/30 Dividend: 6/16/2025
• Dividend Payable: 6/30/2025
• Today: 7/10/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CIZN
• CIK: 1075706
• Web: www.citizensholdingcompany.com
• Phone: (601) 656-4692
• Fax: 601-656-4264
• Employees: 250
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Citizens: $26.00
• High Price Target: $26.00
• Low Price Target: $26.00
• Potential Upside/Downside: +209.5%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.80
• Trailing P/E Ratio: 8.57
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $5.49 million
• Net Margins: 7.00%
• Pretax Margin: N/A
• Return on Equity: 11.28%
• Return on Assets: 0.37%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.58
• Quick Ratio: 0.58

Sales & Book Value

• Annual Sales: $40.95 million
• Price / Sales: 1.16
• Cash Flow: $0.91 per share
• Price / Cash Flow: 9.25
• Book Value: $7.63 per share
• Price / Book: 1.10

Miscellaneous

• Outstanding Shares: 5,654,000
• Free Float: 5,135,000
• Market Cap: $47.49 million
• Optionable: Not Optionable
• Beta: -0.05