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: $6.67 to $6.67
• 50-Day Range: $6.64 to $8.48
• 52-Week Range: $6.63 to $11.00
• Volume: 8,995 shs
• Average Volume: 4,051 shs
• Market Capitalization: $37.70 million
• P/E Ratio: 6.80
• Dividend Yield: 1.20%
• Price Target: $23.00
• Consensus Rating: Buy

Citizens Stock Analysis - MarketRank™

Citizens scored higher than 70% of companies evaluated by MarketBeat, and ranked 486th out of 956 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: 3.7 / 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.

Upside Potential

Citizens has a consensus price target of $23.00, representing about 244.9% upside from its current price of $6.67.

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 6.80, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens is 6.80, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.78.

Price to Book Value per Share Ratio

Citizens has a P/B Ratio of 0.87. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.24% 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 3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Citizens has recently decreased by 2.34%, indicating that investor sentiment is improving.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Citizens pays a meaningful dividend of 1.20%, 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 8.42%. 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

0.24% 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 3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Citizens has recently decreased by 2.34%, indicating that investor sentiment is improving.

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 on January 1st, 2025. Since then, CIZN shares have decreased by 26.4% and is now trading at $6.6680.

How were Citizens' earnings last quarter?

Citizens Holding (NASDAQ:CIZN) announced its quarterly earnings data on Friday, July, 24th. The bank reported $0.26 earnings per share for the quarter. The bank had revenue of $10.82 million for 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 Earnings: 7/24/2020
• Record date for 6/30 Dividend: 6/16/2025
• Dividend Payable: 6/30/2025
• Today: 9/15/2025
• 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: 1908

Price Target and Rating

• Average Price Target for Citizens: $23.00
• High Price Target: $23.00
• Low Price Target: $23.00
• Potential Upside/Downside: +244.9%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.95
• Trailing P/E Ratio: 6.80
• 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: 0.92
• Cash Flow: $0.72 per share
• Price / Cash Flow: 9.25
• Book Value: $7.63 per share
• Price / Book: 0.87

Miscellaneous

• Outstanding Shares: 5,654,000
• Free Float: 5,135,000
• Market Cap: $37.70 million
• Optionable: Not Optionable
• Beta: -0.02