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Citizens Holding Company (CIZN)

Featured in Undervalued Banks/Financial Stocks

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 Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

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 Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Altman Z-Score
OTC-CIZN
$12.13
15.5% Upside
Fair
Not available
Not available
Good
0.0%
October 30, 2026
6.2x
0.8x
1.1x
59.053 M
71.0%
-2.2
Valuation • Fair Value

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

Review the available estimates for Citizens Holding Company (OTC-CIZN), including Ben Graham Formula Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$12.13

Estimated upside of 15.5% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$18.80

Classic Ben Graham valuation formula reference.

Comps Fair Value

$12.13

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 4 available valuation references for Citizens Holding Company (OTC-CIZN) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

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

Review the profitability and growth indicators currently supported by the latest data.

Revenue

55.673 M

Current operating scale indicator.

Revenue Forecast

55.899 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

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 the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

3

Weak quality score that deserves closer review.

Altman Z-Score

-2.2

Lower score that deserves closer risk review.

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 upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 30, 2026

Days to Earnings

42

Dividend Yield

0.0%

No current dividend yield is indicated.

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
Buy

The 15-minute 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.

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

The 1-hour 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.

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

The daily 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.

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
Strong Buy

The monthly 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.

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

Data-supported answers about Citizens Holding Company (OTC-CIZN), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$12.13
Estimated upside 15.5%
Valuation Rating
Undervalued
Estimated upside of 15.5%
Financial Health
Good
Current financial-health read

The current fair value estimate for Citizens Holding Company (OTC-CIZN) is $12.13. This implies an estimated upside of 15.5% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 15.5% versus the current market price.

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 October 30, 2026.

The latest available data indicates no current dividend yield for Citizens Holding Company (OTC-CIZN).

The current P/E ratio listed for Citizens Holding Company (OTC-CIZN) is 6.2x. 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 59.053 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 71.0%, which helps investors evaluate the company’s financing structure and leverage profile.

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