Citizens (CIZN) Stock Price, News & Analysis

Company Overview

Citizens Holding Company (NASDAQ:CIZN) is the bank holding company for Citizens Bank & Trust, a community‐focused financial institution headquartered in Guntersville, Alabama. Through its subsidiary, Citizens Bank & Trust, the company provides a full range of commercial and retail banking services to individuals, small businesses and corporate clients. Its offerings include deposit accounts, consumer and commercial loans, mortgage financing, and other traditional banking products.

In addition to core lending and deposit services, Citizens Bank & Trust offers wealth management and trust services, including investment advisory, retirement planning and estate administration. The company leverages local decision‐making and relationship‐driven banking to tailor solutions for its customers, with a focus on responsiveness and community engagement. Citizens also provides online and mobile banking platforms, enabling account access, bill payment and funds transfers through digital channels.

Founded in the late 19th century, Citizens Bank & Trust has grown alongside the communities it serves, expanding its branch network across North Alabama and parts of Tennessee. The bank’s leadership team brings together decades of experience in community banking, risk management and customer service. Guided by a board of directors with deep regional ties, the company remains committed to supporting local economic development and delivering personalized financial solutions to its markets.

Key Stats

• Today's Range: $10.97 to $10.97
• 50-Day Range: $9.25 to $10.97
• 52-Week Range: $6.44 to $10.97
• Volume: 143 shs
• Average Volume: 3,800 shs
• Market Capitalization: $62.46 million
• P/E Ratio: 11.19
• Dividend Yield: N/A
• Price Target: $19.50
• Consensus Rating: Buy

Citizens Stock Analysis - MarketRank™

Citizens scored higher than 46% of companies evaluated by MarketBeat, and ranked 646th out of 860 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: 3.9 / 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, 3 buy ratings, no hold ratings, and no sell ratings.

Upside Potential

Citizens has a consensus price target of $19.50, representing about 77.8% upside from its current price of $10.97.

Amount of Analyst Coverage

Citizens has only been the subject of 2 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 11.19, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.94.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens is 11.19, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.34.

Price to Book Value per Share Ratio

Citizens has a P/B Ratio of 1.44. 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: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

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

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: 8/15/2026
• 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: www.citizensholdingcompany.com
• Phone: (601) 656-4692
• Fax: 601-656-4264
• Employees: 250
• Year Founded: 1908

Price Target and Rating

• Average Price Target for Citizens: $19.50
• High Price Target: $28.00
• Low Price Target: $8.00
• Potential Upside/Downside: +77.8%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.68
• Trailing P/E Ratio: 11.19
• 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: 1.53
• Cash Flow: $1.19 per share
• Price / Cash Flow: 9.25
• Book Value: $7.63 per share
• Price / Book: 1.44

Miscellaneous

• Outstanding Shares: 5,694,000
• Free Float: 5,135,000
• Market Cap: $62.46 million
• Optionable: Not Optionable
• Beta: 0.05