Citizens Holding Company (CIZN)
Stock analysis · OTC · Financial Services · Banks - Regional
Citizens Holding Company (CIZN) is a publicly traded company in the Financial Services sector. Latest price: $8.97. Market cap $51.07M. Trailing PE 5.34. Sign in to Stocks360 for full DCF valuation, fundamentals, technicals, and AI-driven analysis.
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Earnings
Proprietary Signals
About Citizens Holding Company
Citizens Holding Company functions as the parent corporation for The Citizens Bank of Philadelphia, a financial institution that delivers a comprehensive suite of banking solutions designed for both individual consumers and commercial enterprises. Its offerings include various deposit accounts, such as checking, savings, and term deposits. The company also extends a diverse range of credit products, encompassing both secured and unsecured loans. These credit facilities span mortgages, financing for single and multi-family residences, farm operations, residential and commercial construction projects, and general commercial real estate. Additionally, they provide industrial, agricultural production, and consumer loans, alongside issuing letters of credit. Beyond traditional banking, the company provides personal and corporate trust administration, offers credit life and title insurance, and facilitates convenient digital banking through online and mobile platforms. Established in 1908, the company maintains its headquarters in Philadelphia, Mississippi.
Valuation
| P/E (TTM) | 5.34× |
|---|---|
| P/S (TTM) | 0.60× |
| P/B | 0.73× |
| PEG | 0.07× |
| P/FCF (TTM) | 0.00× |
| EV / EBITDA | 16.14× |
| EV / Sales | 2.10× |
| Earnings Yield | 18.64% |
| Free Cash Flow Yield | 0.00% |
Fundamentals
| Enterprise Value | $177.91M |
|---|---|
| Revenue (TTM) | $84.83M |
| Net Income (TTM) | $9.52M |
| Free Cash Flow (TTM) | $22.85M |
| Net Debt | $126.84M |
| Working Capital | -$103.53M |
| Gross Margin | 65.15% |
| Operating Margin | 13.00% |
| Net Margin | 11.22% |
| Return on Equity | 15.01% |
| Return on Invested Capital | 0.61% |
Peers
Recent News
- First Citizens Bank Opens New Banking Office and Branch in Downtown Santa Monica
- Citizens Financial Leads 3 Dividend Raises With a 13% Payout Boost
- Citizens Community Bancorp, Inc. Reports Third Quarter 2026 Earnings of $0.56 Per Share; Board Approves 14% Increase in Quarterly Dividend…
- First Citizens: Strong Buyback, But Reserves Remain A Concern
- First Citizens BancShares Reports Third Quarter 2026 Earnings, Announces Additional Share Repurchase Plan
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