Citizens Holding Company

Citizens Holding Company

CIZN
Citizens Holding CompanyUS flagOther OTC
9.50
USD
-0.01
- -
53.43MMarket 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
6.74
7.33
9.42
6.6
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
0.33
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
0.86
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
0.72
Book Value per Share
17.21
17.84
18.46
18.9
18.98
19.34
18.9
17.45
17.8
18.53
17.94
18.25
19.52
17.94
Tangible Book Value per Share
12.97
16.16
17.74
17.48
18.13
17.15
19.54
19
16.54
4.57
5.26
6.21
8.68
5.26
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
38
41
53
37
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
2
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
28.95
Profit Margin (%)
20.42
20.58
21.15
19.59
10.57
19.05
16.94
16.13
16.67
21.38
4.91
13.35
15.31
5.02
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
43
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
8.68
8.73
8.58
7.41
4.01
7.13
6.2
7.18
7.62
9.48
1.82
5.41
7.66
1.82

Capital Structure

FRC

in mil. unless spec.
Jun'23
Sep'23
Dec'23
ST Debt
22
18
18
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
62
54
40

Working Capital

FRC

in mil. unless spec.
Jun'23
Sep'23
Dec'23
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
215
328
272
Accounts Receivable, Net
5
5
5
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
10
10
11
ST Debt
22
18
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
4.75%
5.38%
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
- -
- -
- -
- -
41
2025
13
- -
- -
- -
53
2026
14
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.98
2025
0.33
- -
- -
- -
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

APIChat
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.

Company News

APIChat
  • Citizens Bank Expands Relationship with Alkami by Selecting MANTL to Enhance Account Opening Across All Banking Channels

  • Citizens Expands Community Impact Across Rhode Island As Part of Broader Commitment to Local Communities

  • Citizens Financial Group Announces Second Quarter 2026 Earnings Conference Call Details

  • Citizens Financial Group to Participate at the Morgan Stanley U.S. Financials Conference

  • Citizens Invests in Massachusetts Communities by Strengthening the Workforce from the Ground Up

  • Citizens Financial Group CEO Touts Private Bank Growth, $450M AI Efficiency Push

  • Citizens, Inc. Reports First Quarter 2026 Financial Results

  • Citizens Financial Group to Participate in the Bernstein 42nd Annual Strategic Decisions Conference 2026

  • Citizens Financial Group, Inc. Declares Dividends on Preferred Stock

  • First Citizens: Credit Trends Cap Upside

  • Citizens Holding Company Reports Earnings

  • Citizens Community Bancorp, Inc. Reports First Quarter 2026 Earnings of $0.39 Per Share; Board Approves Quarterly Dividend at $0.105 per Share

  • First Citizens Plans to Retire Silicon Valley Bank Name

  • First Citizens BancShares Reports First Quarter 2026 Earnings

  • First Citizens Bank to Expand Commercial Solutions and Align Brand Names in Q4 2026

  • First Citizens BancShares Declares Dividends

  • Palmetto Citizens FCU Deepens Collaboration With NCR Atleos to Expand Self-Service Banking Access

  • First Citizens Appoints New Executive Vice President for its South Region

  • Citizens Financial Group to Participate at the Barclays Americas Select Franchise Conference

  • Citizens Financial Group: Combining A High Yield With Book Value Growth