Citizens (CIZN) Stock Price, News & Analysis

Company Overview

Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various commercial and personal banking products and services. It offers demand deposits; and savings and time deposit accounts. The company also provides secured and unsecured loans; mortgage loans; single and multi-family housing, farm, residential and commercial construction, and commercial real estate loans; commercial, industrial, and agricultural production loans; and consumer loans, as well as issues letters of credit. In addition, it offers personal and corporate trust services; credit life and title insurance; and online and mobile banking services. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.

Key Stats

• Today's Range: $8.37 to $8.55
• 50-Day Range: $7.04 to $8.69
• 52-Week Range: $7.00 to $11.00
• Volume: 1,686 shs
• Average Volume: 3,398 shs
• Market Capitalization: $47.32 million
• P/E Ratio: 8.54
• Dividend Yield: 0.96%
• Price Target: N/A
• Consensus Rating: N/A

Citizens Stock Analysis - MarketRank™

Citizens scored higher than 32% of companies evaluated by MarketBeat, and ranked 820th out of 940 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Citizens.

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 8.54, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.45.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens is 8.54, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.32.

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: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.32% of the outstanding shares of Citizens have been sold short.

Short Interest Ratio / Days to Cover

Citizens has a short interest ratio ("days to cover") of 1.4, 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 0.55%, indicating that investor sentiment is improving.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Citizens has a dividend yield of 0.96%, 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

0.32% of the outstanding shares of Citizens have been sold short.

Short Interest Ratio / Days to Cover

Citizens has a short interest ratio ("days to cover") of 1.4, 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 0.55%, indicating that investor sentiment is improving.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: N/A

News Sentiment

Citizens has a news sentiment score of 1.76. 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 0.98 average news sentiment score 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.

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 7.6% and is now trading at $8.37.
View the best growth stocks for 2025 here.

How were Citizens' earnings last quarter?

Citizens Holding (NASDAQ:CIZN) issued its quarterly earnings data on Friday, July, 24th. The bank reported $0.26 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
• Ex-Dividend for 3/31 Dividend: 3/17/2025
• Record date for 3/31 Dividend: 3/21/2025
• Dividend Payable: 3/31/2025
• Today: 6/05/2025
• 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

Profitability

• EPS (Most Recent Fiscal Year): $0.80
• Trailing P/E Ratio: 8.54
• 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: $0.90 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: $47.32 million
• Optionable: Not Optionable
• Beta: -0.01