Citizens Holding Company

Citizens Holding Company

CIZN
Citizens Holding CompanyUS flagOther OTC
8.75
USD
- -
- -
49.82MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
7.19
7.43
7.36
7.07
7.18
7.16
6.88
7.71
8.05
8.05
6.69
7.33
9.42
9.66
Basic EPS, GAAP
1.47
1.53
1.56
1.38
0.76
1.36
1.17
1.24
1.34
1.72
0.33
0.98
1.44
1.45
Free Cash Flow per Basic Share
2.23
1.62
2.04
1.87
1.58
2.42
2.46
2.16
2.67
1.99
0.86
1.12
2.41
- -
Dividend per Share
0.88
0.89
0.93
0.96
0.96
0.96
0.96
0.96
0.96
0.96
0.72
0.64
0.04
- -
Book Value per Share
13.61
16.78
17.73
17.42
18.07
17.1
20.22
21.4
18.93
6.96
7.62
8.53
10.99
11.19
Tangible Book Value per Share
12.96
16.14
17.73
17.42
18.07
17.1
17.74
18.95
16.5
4.57
5.24
6.18
8.67
8.89
Basic Weighted Avg Shares
5
5
5
5
5
5
5
6
6
6
6
6
6
6
Sales/Revenue/Turnover
35
36
36
34
35
35
35
43
45
45
37
41
53
55
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
1
1
1
1
1
1
1
1
- -
Net Income, GAAP
7
7
8
7
4
7
6
7
7
10
2
5
8
8
Effective Tax Rate (%)
19.84
19.7
24.62
19.31
52.36
11.04
18.66
20.18
16.03
16.36
- -
20.54
14.64
13.95
Profit Margin (%)
20.42
20.58
21.15
19.59
10.57
19.05
16.94
16.13
16.67
21.38
4.95
13.35
15.31
15
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
34
20
20
20
30
- -
- -
25
- -
- -
- -
- -
- -
- -
Total Equity
66
82
86
85
88
84
113
120
106
39
43
48
62
64
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
9.22
10.06
9.02
7.86
4.27
7.75
6
5.97
6.65
13.28
4.53
12.08
14.79
14.33

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
14
13
18
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
37
45
51

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
304
138
236
Accounts Receivable, Net
6
6
5
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
9
11
9
ST Debt
14
13
18
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
1.44%
-4.67%
29.21%
Free Cash Flow
12.01%
17.72%
115.76%
Net Income, GAAP
23.01%
40.06%
48.42%
Sales/Revenue/Turnover
4.76%
5.42%
29.35%
Total Cash Common Dividend
-11.18%
-25.81%
-93.73%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
14
11
10
6
41
2025
13
13
14
13
53
2026
14
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.51
0.18
0.06
- -
0.98
2025
0.33
0.33
0.42
- -
1.44
2026
0.33
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.64
2025
- -
- -
- -
- -
0.04
2026
- -
- -
- -
- -
- -

Company Description

CEO
Stacy Brantley
Full Time Employees
246
Sector
Financial Services
Industry
Banks - Regional
Address
521 Main Street Philadelphia MS United States of America 39350
IPO Date
Oct 19, 1999
Business
Citizens Holding Company Citizens Holding Company (OTCQX: CIZN) serves as a one-bank holding company and parent of The Citizens Bank of Philadelphia, a community-focused financial institution headquartered in Philadelphia, Mississippi, and founded in 1908. The company operates 27 banking centers across 14 counties in Mississippi, providing full-service commercial and retail banking; deposit products including demand, time, savings, checking, money market, NOW, health savings, individual retirement, and insured cash sweep accounts; lending solutions such as real estate loans for land development, construction, 1-4 family mortgages, farmland, and commercial properties, alongside business loans for commercial and industrial purposes, working capital, machinery, equipment, inventory, acquisitions, agricultural, municipal, and multi-family developments, as well as consumer and personal loans; mortgage loans; title insurance services via third-party partnerships; cash management, merchant services, credit and debit cards, lockbox services, and credit boost CDs; and digital offerings encompassing online banking, bill pay, mobile banking, remote deposits, phone teller, electronic statements, and text banking. Geographically concentrated in Mississippi, it targets local commercial, agricultural, municipal, and individual customers with personalized community banking services. In recent developments, the company executed a sale-leaseback transaction in January 2024 for three owned properties at an aggregate $11 million, yielding a pre-tax gain of approximately $4.5 million to bolster its balance sheet and support organic growth without operational disruptions; suspended its quarterly cash dividend to prioritize capital raising for expansion and profitability initiatives; and saw key insiders, including CEO Stacy Brantley and Director Vincent Craig Dungan, make significant common stock purchases in November 2025, signaling confidence amid corrected third-quarter earnings showing nine-month net income of $6.057 million and EPS of $1.08.

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