Citizens (CIZN) Stock Price, News & Analysis

Company Overview

Citizens Holding Company was a bank holding company headquartered in Philadelphia, Mississippi. Through its principal subsidiary, Citizens Bank, the company provided community banking services to individuals, businesses, agricultural customers and public-sector organizations.

Citizens Bank offered deposit products such as checking and savings accounts, certificates of deposit and related cash-management services. Its lending activities included commercial and industrial loans, commercial real estate financing, residential mortgages, consumer loans and agricultural lending. The bank also provided electronic banking and other standard financial services.

Citizens Bank historically served communities primarily in Mississippi, with operations concentrated in the eastern and central parts of the state and a presence in nearby Alabama. Citizens Holding Company was established as the bank’s holding company in the 1980s, while the bank traced its roots to the early 20th century. The company’s shares previously traded on the Nasdaq under the symbol CIZN.

Key Stats

• Today's Range: $10.05 to $10.31
• 50-Day Range: $9.88 to $10.99
• 52-Week Range: $6.44 to $11.00
• Volume: 14,247 shs
• Average Volume: 4,056 shs
• Market Capitalization: $57.22 million
• P/E Ratio: 10.26
• Dividend Yield: N/A
• Price Target: $14.17
• Consensus Rating: Buy

Citizens Stock Analysis - MarketRank™

Citizens scored higher than 71% of companies evaluated by MarketBeat, and ranked 366th out of 836 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: 4.1 / 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 no strong buy ratings, 4 buy ratings, no hold ratings, and no sell ratings.

Upside Potential

Citizens has a consensus price target of $14.17, representing about 41.0% upside from its current price of $10.05.

Amount of Analyst Coverage

Citizens has only been the subject of 3 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 10.26, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens is 10.26, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.95.

Price to Book Value per Share Ratio

Citizens has a P/B Ratio of 1.32. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for CIZN.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Citizens does not currently pay a dividend.

Dividend Growth

Citizens has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of Citizens is 4.76%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: N/A

News Sentiment

Citizens has a news sentiment score of 0.75. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Citizens this week, compared to 0 articles on an average week.

Search Interest

2 people have searched for CIZN on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.4 / 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

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

Percentage Held by Institutions

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

Company Calendar

• Last Earnings: 7/24/2020
• Today: 9/24/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CIZN
• CIK: 1075706
• Web: thecitizensbankphila.com
• Phone: (601) 656-4692
• Fax: 601-656-4264
• Employees: 250
• Year Founded: 1908

Price Target and Rating

• Average Price Target for Citizens: $14.17
• High Price Target: $25.00
• Low Price Target: $8.00
• Potential Upside/Downside: +41.0%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.68
• Trailing P/E Ratio: 10.26
• 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: 1.40
• Cash Flow: $1.09 per share
• Price / Cash Flow: 9.25
• Book Value: $7.63 per share
• Price / Book: 1.32

Miscellaneous

• Outstanding Shares: 5,694,000
• Free Float: 5,135,000
• Market Cap: $57.22 million
• Optionable: Not Optionable
• Beta: 0.04