Citizens (CIZN) Stock Price, News & Analysis

Company Overview

Citizens Community Bancorp, Inc. (NASDAQ: CIZN) is the bank holding company for Citizens Community Bank, a state-chartered commercial bank headquartered in Cleveland, Tennessee. The company provides a full range of banking and financial services to individuals, small businesses, and commercial clients. Its core activities include deposit taking, lending, treasury management, and payment processing.

Citizens Community Bank offers a variety of deposit products, such as checking and savings accounts, money market accounts, and certificates of deposit. On the lending side, the company extends commercial loans, real estate mortgages, construction financing, and consumer installment loans. The bank also provides online and mobile banking platforms, allowing customers to manage accounts, pay bills, transfer funds, and access electronic statements.

With a branch network concentrated in Southeast Tennessee and North Georgia, Citizens focuses on serving the banking needs of local communities. The company’s expertise in small-business lending and community development positions it as a partner to entrepreneurs and regional enterprises. Citizens is led by an executive management team and overseen by a board of directors committed to maintaining high levels of customer service and community engagement.

Key Stats

• Today's Range: $7.47 to $7.65
• 50-Day Range: $7.95 to $8.69
• 52-Week Range: $7.00 to $11.00
• Volume: 7,311 shs
• Average Volume: 3,341 shs
• Market Capitalization: $42.41 million
• P/E Ratio: 7.65
• Dividend Yield: 1.07%
• Price Target: $26.00
• Consensus Rating: Buy

Citizens Stock Analysis - MarketRank™

Citizens scored higher than 68% of companies evaluated by MarketBeat, and ranked 501st out of 913 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: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Citizens is 7.65, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.38.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens is 7.65, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.24.

Price to Book Value per Share Ratio

Citizens has a P/B Ratio of 0.98. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

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 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Citizens pays a meaningful dividend of 1.01%, higher than 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 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 2.4 / 5
• News Sentiment: N/A

News Sentiment

Citizens has a news sentiment score of 1.32. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.79 average news sentiment score of Finance companies.

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 on January 1st, 2025. Since then, CIZN stock has decreased by 17.2% and is now trading at $7.50.

How were Citizens' earnings last quarter?

Citizens Holding (NASDAQ:CIZN) released its quarterly earnings results on Friday, July, 24th. The bank reported $0.26 earnings per share (EPS) for the quarter. The bank earned $10.82 million during 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: 7/22/2025
• 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: +247.6%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.80
• Trailing P/E Ratio: 7.63
• 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: 1.03
• Cash Flow: $0.81 per share
• Price / Cash Flow: 9.25
• Book Value: $7.63 per share
• Price / Book: 0.98

Miscellaneous

• Outstanding Shares: 5,654,000
• Free Float: 5,135,000
• Market Cap: $42.29 million
• Optionable: Not Optionable
• Beta: -0.05