Back to Results

Citizens Holding Company (CIZN)

Citizens Holding Company is a bank holding company whose primary subsidiary is The Citizens Bank of Philadelphia. Through the bank, the company provides a range of deposit products, including demand, insured cash sweep, time, and non-interest-bearing accounts, along with savings and checking options, money market accounts, and certificates of deposit. Its lending activities cover real estate and construction financing, farmland and mortgage loans, commercial real estate, and a broad mix of business lending such as commercial and industrial, equipment, inventory, acquisition, agricultural, municipal, multifamily, land development, and construction loans. The company also serves consumer and personal borrowers. In addition, it offers cash management, merchant services, card products, online and mobile banking tools, bill payment, electronic statements, lockbox services, title insurance services, and other branch and digital banking services. Citizens Holding Company was founded in 1908 and is headquartered in Philadelphia, Mississippi.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-CIZN
$11.52
15.6% Upside
Fair
—
—
—
Good
—
—
—
0.8%
July 23, 2026
6.8x
0.9x
1.1x
56.016 M
—
63.4%
—
-2.2
—
166.1%
Send a message
Valuation • Fair Value

Citizens Holding Company (OTC-CIZN) Fair Value by Valuation Model

Compare the primary fair value estimate for Citizens Holding Company (OTC-CIZN) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$11.52

Estimated upside of 15.6% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$16.15

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$11.52

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Citizens Holding Company (OTC-CIZN) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Citizens Holding Company (OTC-CIZN)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

52.66 M

Current operating scale indicator.

Revenue Forecast

55.899 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Citizens Holding Company (OTC-CIZN) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Citizens Holding Company (OTC-CIZN)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

4

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-2.2

Lower score that deserves closer risk review.

FCF / Net Income

166.1%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Citizens Holding Company (OTC-CIZN). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Citizens Holding Company (OTC-CIZN)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 23, 2026

Days to Earnings

2

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

0.8%

Income yield reference.

Upcoming Dividend

Not available

Data is currently unavailable.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for Citizens Holding Company (OTC-CIZN), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Citizens Holding Company (OTC-CIZN) Stock Forecast & Technical Outlook

Review Citizens Holding Company (OTC-CIZN) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Citizens Holding Company (OTC-CIZN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Citizens Holding Company (OTC-CIZN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Citizens Holding Company (OTC-CIZN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Citizens Holding Company (OTC-CIZN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Buy

The monthly technical read for Citizens Holding Company (OTC-CIZN) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Citizens Holding Company (OTC-CIZN)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Citizens Holding Company (OTC-CIZN) has a Hold consensus, with 0 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 1
Sell 0
FAQ • Fast Investor Answers

Citizens Holding Company (OTC-CIZN) Stock FAQ

Quick answers about Citizens Holding Company (OTC-CIZN) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$11.52
Estimated upside 15.6%
Valuation Rating
Undervalued
Estimated upside of 15.6%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Good
Current financial-health read

The current fair value estimate for Citizens Holding Company (OTC-CIZN) is $11.52. This implies an estimated upside of 15.6% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 15.6% versus the current market price.

An analyst price target for Citizens Holding Company (OTC-CIZN) is not currently available in the latest data file.

The current financial health read for Citizens Holding Company (OTC-CIZN) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Citizens Holding Company (OTC-CIZN) is July 23, 2026.

Based on the current data, dividend yield is 0.8%.

The current P/E ratio listed for Citizens Holding Company (OTC-CIZN) is 6.8x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Citizens Holding Company is 56.016 M.

The ticker symbol for Citizens Holding Company is OTC-CIZN, and the stock is listed on OTC Markets.

Citizens Holding Company (OTC-CIZN) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Citizens Holding Company is 63.4%, which helps investors evaluate the company’s financing structure and leverage profile.

Similar Banks Stocks on OTC Markets View more

Industrial and Commercial Bank of China (IDCBF) Industrial and Commercial Bank of China (IDCBF)
Industrial Commercial Bank of China (IDCBY) Industrial Commercial Bank of China (IDCBY)
HSBC Holdings PLC (HBCYF) HSBC Holdings PLC (HBCYF)
Agricultural Bank Of China (ACGBF) Agricultural Bank Of China (ACGBF)
Agricultural Bank of China PK (ACGBY) Agricultural Bank of China PK (ACGBY)
China Construction Bank Corp (CICHF) China Construction Bank Corp (CICHF)
China Construction Bank Corp (CICHY) China Construction Bank Corp (CICHY)
Bank of China Ltd ADR (BACHY) Bank of China Ltd ADR (BACHY)
Bank of China Ltd H (BACHF) Bank of China Ltd H (BACHF)
Commonwealth Bank of Australia PK (CMWAY) Commonwealth Bank of Australia PK (CMWAY)
Sumitomo Mitsui Financial (SMFNF) Sumitomo Mitsui Financial (SMFNF)
DBS Group Holdings Ltd ADR (DBSDY) DBS Group Holdings Ltd ADR (DBSDY)
China Merchants Bank Co Ltd (CIHKY) China Merchants Bank Co Ltd (CIHKY)
China Merchants Bank Co Ltd Class H (CIHHF) China Merchants Bank Co Ltd Class H (CIHHF)
UniCredit SpA ADR (UNCRY) UniCredit SpA ADR (UNCRY)
BNP Paribas SA (BNPQF) BNP Paribas SA (BNPQF)
BNP Paribas SA ADR (BNPQY) BNP Paribas SA ADR (BNPQY)
Intesa Sanpaolo SpA PK (ISNPY) Intesa Sanpaolo SpA PK (ISNPY)
Oversea Chinese Banking Corporation Ltd DRC (OVCHY) Oversea Chinese Banking Corporation Ltd DRC (OVCHY)
Caixabank SA ADR (CAIXY) Caixabank SA ADR (CAIXY)
Barclays PLC (BCLYF) Barclays PLC (BCLYF)
Postal Savings Bank of China Co Ltd ADR (PSTVY) Postal Savings Bank of China Co Ltd ADR (PSTVY)
Bank of Communications Co Ltd ADR (BCMXY) Bank of Communications Co Ltd ADR (BCMXY)
National Australia Bank Ltd (NAUBF) National Australia Bank Ltd (NAUBF)