Financial Services
Citizens Holding Co(CIZN)
Live Price
Offline$9.25
-1.28% today
1Y Change
+11.45%
Window
Jun 25, 2025 โ Jun 22, 2026
- Market Cap
- $50.00M
- Revenue Growth
- +11.8%
- EPS Growth
- +46.9%
- Dividend Yield
- 0.2%
Coverage: 248 bars ยท Jun 25, 2025 โ Jun 22, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Citizens Holding Co (CIZN) is a Financial Services stock with a market cap of $50.00M and listed on NASDAQ. The stock last traded around $9.25 and up 11.4% across the available one-year price window (Jun 25, 2025 โ Jun 22, 2026). Baseline metrics include revenue growth of +11.8%, EPS growth of +46.9%, a dividend yield of 0.2%. What stands out right now is revenue +11.8%, EPS +46.9%, free cash flow +115.8% with operating margin 11.5% and ROIC 0.5%. The dividend is present but secondary, with a yield around 0.2%. Valuation is more restrained than many high-expectation growth names at P/E 6.6 and price/sales 0.6. Stock Foundry combines CIZN price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+11.8% vs +3.4% peer median
Operating Margin
Above sector median
+11.5% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 16, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +11.8% and EPS at +46.9%, with operating margin around 11.5%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 0.2%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +4.2% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 16, 2026 | โ | +0.2% | +3.4% | +8.4% |
2026 Feb 2, 2026 | โ | +3.2% | +7.3% | +5.6% |
2025 Oct 28, 2025 | โ | +2.3% | +1.8% | +7.5% |
Benchmark Edge
CIZN vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CIZN
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CIZN Max Drawdown
-23.35%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CIZN and SPY.
Company Overview
Citizens Holding Co
NASDAQ
Citizens Holding Company operates as a one-bank holding entity providing commercial and personal banking services through its subsidiary, The Citizens Bank of Philadelphia. Established in 1908 and headquartered in Philadelphia, Mississippi, the company supports individuals, businesses, and local communities across 15 Mississippi counties via 26 banking centers. Its offerings span traditional deposit accounts, loans, mortgage services, title insurance, and digital solutions like online and mobile banking. With a market capitalization under $40 million, Citizens Holding emphasizes regional financial stability while navigating challenges such as a high debt-to-equity ratio (698%) and declining long-term stock performance. Recent filings highlight ongoing balance sheet optimization, including strategic securities transactions and leadership stock purchases, reflecting efforts to bolster investor confidence amid evolving interest rate environments and localized economic conditions.
- Leadership
- Mr. Stacy M. Brantley
- Employees
- 246
- Street Address
- 521 Main Street, P.O. Box 209
- Mailing
- Philadelphia, MS, 39350
- Region
- Philadelphia, MS, United States
- Last Updated
- May 7, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 6.6
- EV/EBITDA
- 13.4
- Price/Sales
- 0.6
- Price/Book
- 0.9
Growth
- Revenue
- +11.8%
- EPS
- +46.9%
- Free Cash Flow
- +115.8%
Profitability
- Gross Margin
- 32.0%
- Operating Margin
- 11.5%
- Net Margin
- 9.9%
- ROE
- 13.9%
- ROIC
- 0.5%
Balance Sheet
- Debt/Equity
- 1.52
- Current Ratio
- 0.36
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.