What is Citizens Holding Company (CIZN) stock price today?

Citizens Holding Company (CIZN) is currently trading at $10.50, up 2.04% today.

What is CIZN P/E ratio?

Citizens Holding Company's P/E ratio is 7.24. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is CIZN return on equity (ROE)?

Citizens Holding Company's return on equity (ROE) is 13.92%, indicating how efficiently the company generates profit from shareholders' equity. This is above the market average.

What is Citizens Holding Company's market cap?

Citizens Holding Company has a market capitalization of $59.05M.

OTC · Banks - Regional

Citizens Holding Company (CIZN) Stock

$10.50 +2.04% OTC: CIZN Financial Services

Valuation

Metric	Value
Price	$10.50
Market Cap	$59.05M
P/E Ratio	7.24
P/B Ratio	0.94
P/S Ratio	0.71
EPS (TTM)	$1.45
52-Week High	$10.50
52-Week Low	$6.44
Dividend Yield	0.76%

Financials & Margins

Metric	Value
ROE	13.92%
ROA	0.53%
ROCE	0.66%
Gross Margin	63.58%
Operating Margin	11.48%
Net Margin	9.86%
Debt/Equity	1.52
Current Ratio	0.36

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$50.0M	$50.0M	$57.0M	$74.0M	$83.0M
Operating Profit	$9.0M	$12.0M	$2.0M	$2.0M	$10.0M
Net Profit	$7.0M	$10.0M	$2.0M	$5.0M	$8.0M
EPS	$1.34	$1.72	$0.33	$0.98	$1.44
Op Margin	17.9%	23.1%	3.1%	3.2%	11.6%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$1.4B	$1.3B	$1.4B	$1.5B	$1.5B
Total Liabilities	$1.3B	$1.3B	$1.4B	$1.4B	$1.4B
Cash	$79.0M	$29.0M	$94.0M	$42.0M	$17.0M
Borrowings	$131.0M	$146.0M	$176.0M	$336.0M	$88.0M

Latest News

Citizens: Q2 Earnings Snapshot Associated Press · Jul 29, 2026 The Citizens Holding Company Announces Second Quarter Results Business Wire · Jul 29, 2026

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$17.0M	$14.0M	$6.0M	$7.0M	$15.0M
Investing Cash Flow	$96.0M	$-91.0M	$-11.0M	$-108.0M	$-21.0M
Financing Cash Flow	$-67.0M	$15.0M	$44.0M	$-99.0M	$266.0M
Net Cash Flow	$37.0M	$-51.0M	$66.0M	$-52.0M	$22.0M
Free Cash Flow	$15.0M	$11.0M	$5.0M	$6.0M	$14.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.09
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	43.44%
Return 3Y	-0.92%
Return 5Y	-25.19%

Ownership

Insiders Held0.00%

Institutions Held1.55%

Institutions Float Held1.55%

Institutional Holder	Shares	Report Date
Huntington National Bank	83,764	2026-03-31

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
ALBYCommunity Capital Bancshares, Inc.	$32.33	+1.06%	8.40	$41.14M	6.34%
ANDCAndover Bancorp, Inc.	$21.00	+0.00%	9.68	$41.84M	3.62%
EXCHExchange Bankshares, Inc.	$69.00	+0.00%	0.00	$40.62M	2.55%
FMFPFirst Community Financial Corporation	$14.00	+0.00%	20.65	$39.61M	1.71%
HCBNHCB Financial Corp.	$73.11	+0.00%	12.76	$73.11M	1.91%

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.

Citizens Holding Company is headquartered in US.

Citizens Holding Company (CIZN) stock trades at $10.50 with a market capitalization of $59.05M. The stock is valued at a price-to-earnings (P/E) ratio of 7.24, price-to-book of 0.94, price-to-sales of 0.71. Over the past 52 weeks the stock has ranged between $6.44 and $10.50, and currently trades at its 52-week high. It pays a dividend yielding 0.76%.

On profitability, Citizens Holding Company generates a return on equity (ROE) of 13.92%, above the typical market average, return on capital employed of 0.66%, an operating margin of 11.48%, a net profit margin of 9.86%.

Official website: www.thecitizensbankphila.com