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Citizens Holding Company (CIZN) Stock Price
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CIZN Stock Price & Analysis — Citizens Holding Company (Financial Services >> Banks - Regional)

CIZN FAQ

What is CIZN's P/E ratio?

Citizens Holding Company (CIZN) currently trades at a P/E ratio of 6.36.

What is CIZN's ROE?

Citizens Holding Company reports a Return on Equity (ROE) of 13.65%.

What is CIZN's dividend yield?

Citizens Holding Company offers a dividend yield of 0.00%.

What is CIZN's Quality Score?

Our AI rates CIZN's overall financial quality at 69 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy CIZN?

Our AI Timing Score for CIZN is 6 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does CIZN belong to?

Citizens Holding Company is classified under the Financial Services >> Banks - Regional sector on the NASDAQ exchange

Stock Check   *Daily update data at 8:30 AM*
(Price: 2026-07-31 | FS: 2026-06-30)

CIZN AI Analysis Summary

Our AI summary for CIZN: Citizens Holding Company (NASDAQ), Financial Services >> Banks - Regional sector. The stock currently trades at a P/E of 6.36, ROE of 13.65%, a dividend yield of 0.00%. Its financial Quality Score stands at 69/100 — mid-range fundamentals relative to the market. The AI Timing Score is 6/100 — most technical signals do not support an entry at this point. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.

CIZN

Citizens Holding Company
USD 10.74
0.09 (0.85%) Day Change
6.36
P/E
1.82
D/E
13.7%
ROE
0.6%
ROA
0.00%
Div Yield
0.12
PEG

CITIZENS HOLDING COMPANY
TYPE: STOCK
MARKET: NASDAQ

Compare   Watchlist   Myport
USD 10.74
Price
0.09 (0.85%)
Day Change
NEWS SCORE: 89

CIZN, the overall quality is ok ( Quality = 69) and the timing to buy is ...(Sign In to See)...

69

QUALITY

Signal
NEUTRAL
Signal Description
Company financial health is OK
Reason
ROA is relatively low.
Historical ROA is relatively low.
Historical ROA is relatively low.
Net profit margin is relatively low.

88 Sign in

TIMING

Signal
OUTPERFORM
Signal Descri...
Good
Reason
Momentum indicators aligned on the daily timeframe
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In details, quality factors are not quite good , financial health is not good , and ability to make profit is ok , ...

Quality Factors 58%
X
X
X
X
  In Recommendations? Not in any sections
  Select Rate 0.00 From 30 days period
  Watch Rate 0.00 From 30 days period
  News Score 89
  Magic Formula Rank by ROA
1799
  Magic Formula Rank by ROE
1799
  Magic Formula Rank by ROIC
1890
  Price 10.74
  PBV / Sector
0.87 / 1.42
GREAT
  Earning Per Share 1.69
  PE / Sector
6.36 / 13.75
GREAT
  PEG or PE/Growth / Sector
0.12 / 0.61
GREAT
  Average 1M Daily Value
0.02 M
GREAT
  Average 1W Daily Value
0.03 M
GREAT
Timing Factors 85%
  MACD
  MACD Signal
  MACD Divergence
  RSI
  Stochastic Oscillator K
  Stochastic Oscillator D
  ADX
  Avg 5 day Timing Score
Financial Health 41%
X
X
X
X
  DE / Sector
  DE Average / Sector
  DE Change Average (%) / Sector
  Current Ratio / Sector
  Current Ratio Average / Sector
  Current Ratio Change Average (%) / Sector
  Quick Ratio / Sector
  Quick Ratio Average / Sector
  Quick Ratio Change Average (%) / Sector
  FCF/Share / Sector
  FCF/Share Average / Sector
  FCF/Share Change Average (%) / Sector
Ability to Make Profit 62%
X
X
X
X
X
X
X
  GPM (%) / Sector
  GPM Average (%) / Sector
  GPM Change Average (%) / Sector
  OPM (%) / Sector
  OPM Average (%) / Sector
  OPM Change Average (%) / Sector
  NPM (%) / Sector
11.22 / 20.62
  NPM Average (%) / Sector
10.22 / 19,963.58
GOOD
  NPM Change Average (%) / Sector
22.97 / -8.42
GREAT
  Asset Turnover / Sector
  Asset Turnover Average / Sector
  Asset Turnover Change Average (%) / Sector
  ROA (%) / Sector
0.61 / 1,268.52
  ROA Average (%) / Sector
0.48 / 254.57
  ROA Change Average (%) / Sector
39.69 / 44,002.31
GREAT
  ROE (%) / Sector
13.65 / 2,865.19
  ROE Average (%) / Sector
13.43 / 581.17
  ROE Change Average (%) / Sector
24.99 / 7,372.49
GREAT
  ROIC (%) / Sector
  ROIC Average (%) / Sector
  ROIC Change Average (%) / Sector
Return to Investors 41%
X
  Dividend (%) / Sector
N/A / 2.41
  Dividend Average (%) / Sector
6.44 / 46.24
GREAT
  Dividend Change Average (%) / Sector
-32.67 / -0.26
Registration Details
X
  Analyze Date 2026-08-01 07:59:38
  Symbol CIZN
  Name CITIZENS HOLDING COMPANY
  Sector Financial Services >> Banks - Regional
  Market NASDAQ
  Listed Shares 5.69 M
  Par Value N/A
  Calculated From Quarter
  Sign N/A
  Market Cap (M.USD) / Sector Average 60.55 / 6,970.30
News, Concensus, ...
  Estimation Consensus See at WSJ.com
  Full details See at WSJ.com
  Chart See in Chart feature
  News See at Yahoo Finance

Address: 521 Main Street, Philadelphia, MS, United States, 39350

Phone: 601 656 4692

Website: https://www.thecitizensbankphila.com

Sector: Financial Services >> Banks - Regional

Description: Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various banking products and services. It offers short-term and long-term demand, insured cash sweep, time, and non-interest-bearing deposits; health savings, individual retirement, business and personal savings and checking, and NOW and money market accounts; and long-term certificates of deposits, as well as mobile and remote deposits. The company also provides real estate land development and construction, farmland, 1-4 family mortgage, and commercial real estate loans; and business loans, including commercial and industrial, working capital, machinery and equipment, inventory, business acquisition, agricultural, municipal, commercial building, multi-family apartment, land development, and construction loans, as well as consumer and personal loans. In addition, it offers cash management, merchant services, credit and debit cards, online banking/bill pay, phone teller, in-branch services, electronic statements, credit boost CD, title insurance services, and lockbox services. Its digital services include digital banking, mobile banking app, mobile pay, and text message banking. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.

ME vs SECTOR Financial Services >> Banks - Regional

CIZN (ME)
Sector Peers
Bubble size = Market Cap

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Financial Services › Banks - Regional

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CIZN
CIZN
USD 10.74 (0.85%)
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