Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CIZN
Strong BuyFull HouseCitizens Holding Company · Financial Services · United States · $60M · Avg Vol: $34K/d
93
StockRankGet insider-trade alerts
Q
53
V
72
M
69
P/E (TTM)
6.4x
ROE
15.8%
D/E
0.2x
Dividend %
—
COMPANY DESCRIPTION
Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various banking products and services.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 45.0M | 37.7M | 41.1M | 53.2M | 5.7% | 55.7M |
| EPS | 1.72 | 0.33 | 0.98 | 1.44 | -5.8% | 1.67 |
| Shares | 5.6M | 5.6M | 5.6M | 5.7M | +0.9% | 5.7M |
| Debt | 18.0M | 18.0M | 15.1M | 13.5M | -9.2% | — |
| Equity | 39.0M | 42.8M | 48.1M | 62.1M | 16.8% | — |
| Op CF | 13.8M | 5.5M | 6.8M | 15.2M | 3.4% | 15.2M |
| Inv CF | -88.3M | -9.8M | -107.3M | -19.6M | — | — |
| Fin CF | 23.9M | 70.1M | 48.3M | 26.7M | — | — |
Loading 1Y...
PRICE (1Y)-1.4%
SMA 50SMA 200
Close
$10.50
RSI (14)
50.0
52W High
$11.00
From 52W High
1.0%
SCORE BREAKDOWN
Quality
53
ROIC (ROA)
0.6%*25.8
ROE
15.8%76.5
GP/Assets
3.7%N/A
Op. Margin
24.9%41.1
FCF/Assets
0.9%N/A
Piotroski
578.9
Int. Cover
—50.0
D/E Ratio
0.22xN/A
Current Ratio
bankN/A
Value
72
P/E (TTM)
6.4x86.1
EV/EBITDA
bankN/A
P/FCF
4.4xN/A
P/B
0.9x74.8
P/S
1.1x88.1
Div Yield
—N/A
Momentum
69
52W High %
95%76.0
RS 6M
-1%53.0
SMA 50/200
1.12x77.3
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
73%80.0
FUNDAMENTALS
Market Cap
$60M
P/E (Forward)
—
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CIZN are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CIZN | Citizens Holding Company(you) | $60M | 93 | Strong Buy |
| OPHC | OptimumBank Holdings, Inc. | $113M | 95 | Strong Buy |
| BOTJ | Bank of the James Financial Group, Inc. | $123M | 88 | Strong Buy |
| ASRV | AmeriServ Financial, Inc. | $82M | 79 | Buy |
| HFBL | Home Federal Bancorp, Inc. of Louisiana | $77M | 73 | Buy |
| BKSC | Bank of South Carolina Corporation | $101M | 79 | Buy |
| FUSB | First US Bancshares, Inc. | $90M | 76 | Buy |
| AUBN | Auburn National Bancorporation, Inc. | $92M | 74 | Buy |
| MGYR | Magyar Bancorp, Inc. | $126M | 78 | Buy |
| VABK | Virginia National Bankshares Corporation | $251M | 92 | Strong Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%