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CIZN Citizens Holding Company

Other OTC · Banks - Regional · Financial Services

$10.97
+0.00 (+0.00%)

Citizens Holding Company functions as the parent corporation for The Citizens Bank of Philadelphia, a financial institution that delivers a comprehensive suite of banking solutions designed for both individual consumers and commercial enterprises. Its offerings include various deposit accounts, such as checking, savings, and term deposits. The company also extends a diverse range of credit product…

Market Cap: $61.70Mwww.thecitizensbankphila.com

Price (90d)

No price history yet — the daily price refresh runs once a day.

Signal Score (90d)

100
100
Aug 12Aug 12

Quote

Day Range
$10.75 – $10.97
52-Week Range
$6.44 – $10.97
Volume
$52.00
Market Cap
$61.70M
50-Day Avg
$9.96
200-Day Avg
$8.90
Prev Close
$10.97
Open
$10.75

Valuation & Ratios

P/E Ratio
5.49
EPS
$1.44
P/B Ratio
0.72
P/S Ratio
0.54
Debt/Equity
1.41
Current Ratio
0.97
Dividend Yield
+0.5%
Gross Margin
+62.9%

Returns & Efficiency

Return on Equity
+13.1%
Return on Assets
+0.5%
FCF Yield
+30.4%
EV/EBITDA
12.07

Revenue & Net Income (Annual)

Fiscal YearRevenueNet IncomeEPS
2025$82.64M$8.15M$1.44
2024$73.95M$5.49M$0.98
2023$57.07M$1.85M$0.33
2022$49.76M$9.62M$1.72
2021$49.88M$7.49M$1.34

Social Signal Score

50
5d
50
1 mentions
30d
50
1 mentions
60d
50
1 mentions
90d
50
1 mentions
news: 1

Valuation

Project earnings forward and see what return today's price implies.

Seeded from CIZN's reported EPS growth of 1.8% a year over 4 years.

EPS in 5 years
$1.58
Implied price
$7.88
Return from $10.97
-6.4% a year

To earn 15.0% a year on these assumptions you'd need to buy at $3.92 -64.3% below today's price.

How sensitive is that answer?

Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.

growth \ P/E13579
-8.2%-38.8%-23.8%-15.6%-9.7%-5.1%
-3.2%-35.5%-19.6%-11.0%-4.8%0.1%
1.8%-32.2%-15.5%-6.4%0.1%5.3%
6.8%-28.8%-11.3%-1.8%5.0%10.5%
11.8%-25.5%-7.2%2.8%10.0%15.6%

This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.

Mentions (1)

  • Newsprnewswire.com·3d ago·Neutral

    Revman International Secures $87 million from First Citizens Bank First Citizens' Commercial Bank provides expanded ABL revolver and factoring, commercial real estate loan and treasury management solutions RALEIGH, N.C., Aug. 12, 2026 /PRNewswire/ -- Revman International ("Revman") today announced it received expanded funding and banking solutions from First Citizens Bank.

    View source ↗