Citizens Holding Company

Citizens Holding Company

CIZN
Citizens Holding CompanyUS flagOther OTC
10.00
USD
+0.04
- -
56.24MMarket Cap
Citizens Holding Company
CIZN
(Other OTC)

Recent

price

10.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.49
7.65
7.26
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
9.66
Revenue per Share
1.48
1.49
1.4
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
Basic EPS, GAAP
2.85
2.29
2.22
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
- -
Free Cash Flow per Basic Share
0.85
0.88
0.88
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
- -
Dividend per Share
15.6
16.19
16.66
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
19.88
Book Value per Share
15.07
17.11
17.65
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
8.96
Tangible Book Value per Share
5
5
5
5
5
5
5
5
5
5
6
6
6
6
6
6
6
Basic Weighted Avg Shares
36
37
35
35
36
36
34
35
35
35
43
45
45
38
41
53
55
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
- -
Depreciation Expense
7
7
7
7
7
8
7
4
7
6
7
7
10
2
5
8
8
Net Income, GAAP
22.53
15.43
19.57
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
Effective Tax Rate (%)
19.76
19.49
19.24
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
15
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
84
68
68
34
20
20
20
30
- -
- -
25
- -
- -
- -
- -
- -
- -
LT Debt
76
86
89
66
82
86
85
88
84
113
120
106
39
43
48
62
64
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.69
9.38
8.52
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
7.57
Return on Common Equity (%)

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
44
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
4.75%
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
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
- -
- -
- -
- -
- -
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

APIChatGPT
  • Citizens Financial Corp. Reports 40% Increase in Year-To-Date Earnings to $7.0 Million - Increases Annual Dividend by 14%

  • Citizens Financial Analysts Increase Their Forecasts After Upbeat Q2 Results

  • First Citizens BancShares Is No Longer A Prime Candidate After Its Monumental Rise

  • Citizens Financial Group Q2 Earnings Call Highlights

  • Citizens Financial's quarterly profit jumps on interest income, fees boost

  • Citizens Financial Group, Inc. Reports Second Quarter 2026 Net Income of $587 Million, up 35% YoY, and EPS of $1.30, up 41% YoY and 15% QoQ

  • Citizens Financial Group Announces Earnings Conference Call Schedule for 2028 Quarterly Financial Results

  • Citizens Financial Gears Up For Q2 Print; Here Are The Recent Forecast Changes From Wall Street's Most Accurate Analysts

  • Citizens Announces Expanded Role for President Brendan Coughlin

  • Citizens Financial Group to Participate at the Barclays 24th Annual Global Financial Services Conference

  • Citizens Financial: The Strong Bullish Thesis Continues, As Margins And Resilience Improve

  • First Citizens BancShares, Inc. Announces Date of Second Quarter 2026 Earnings Call

  • Citizens Financial: A Comparison Among The Company's Outstanding Preferred Shares

  • Citizens Q3 2026 Business Pulse: Half of Small Business Owners See Growth Ahead Despite Concerns About the Economy

  • Citizens (CIA) Stock Jumps 7.2%: Will It Continue to Soar?

  • Citizens Launches Nationwide Volunteer Initiative in Recognition of America's 250th Anniversary; Releases 2025 Sustainability & Impact Report

  • Gildan Recognized as One of Canada's Best 50 Corporate Citizens by Corporate Knights and Among TIME's World's Most Sustainable Companies

  • Citizens Named Presenting Sponsor of Boston Harborfest, Boston's Official Fourth of July Celebration

  • Eldorado Gold Named to Corporate Knights 2026 Best 50 Corporate Citizens in Canada

  • Wheaton Precious Metals Ranked Among Corporate Knights' Best 50 Corporate Citizens in Canada