Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Valuation
- About
CIZN 
Citizens Holding Company (CIZN)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
12/26/2025: CIZN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 6.92% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/26/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 47.29M USD | Price to earnings Ratio 25.42 | 1Y Target Price 24 |
Price to earnings Ratio 25.42 | 1Y Target Price 24 | ||
Volume (30-day avg) - | Beta -0.03 | 52 Weeks Range 6.98 - 10.95 | Updated Date 06/29/2025 |
52 Weeks Range 6.98 - 10.95 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.29% | Basic EPS (TTM) 0.33 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.04% | Operating Margin (TTM) 16.33% |
Management Effectiveness
Return on Assets (TTM) 0.38% | Return on Equity (TTM) 12.09% |
Valuation
Trailing PE 25.42 | Forward PE - | Enterprise Value 340594944 | Price to Sales(TTM) 1.06 |
Enterprise Value 340594944 | Price to Sales(TTM) 1.06 | ||
Enterprise Value to Revenue 1.73 | Enterprise Value to EBITDA - | Shares Outstanding 5637060 | Shares Floating 4760442 |
Shares Outstanding 5637060 | Shares Floating 4760442 | ||
Percent Insiders 17.51 | Percent Institutions 0.08 |
Upturn AI SWOT
Citizens Holding Company
Company Overview
History and Background
Citizens Holding Company (ticker: CITZ) was founded in 1994 as a bank holding company. Its primary subsidiary, Citizens Bank of Louisiana, has a history dating back to 1887. The company has grown organically and through strategic acquisitions, expanding its branch network and service offerings primarily within Louisiana.
Core Business Areas
- Community Banking: Provides a full range of banking services to individuals and small to medium-sized businesses, including checking and savings accounts, loans (commercial, real estate, consumer), and wealth management services.
- Mortgage Lending: Offers residential mortgage products through its dedicated mortgage division.
- Wealth Management: Provides investment and financial planning services to clients.
Leadership and Structure
Citizens Holding Company operates as a bank holding company with Citizens Bank of Louisiana as its principal subsidiary. Leadership typically includes a Board of Directors and a management team overseeing the bank's operations and strategic direction.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Core deposit products offered to individuals and businesses. Competitors include national banks, other regional banks, and credit unions.
- Commercial Loans: Financing solutions for businesses, including term loans, lines of credit, and commercial real estate loans. Key competitors are other regional and community banks.
- Residential Mortgages: Home loan products for purchasing or refinancing properties. Competitors include national mortgage lenders, other banks, and credit unions.
Market Dynamics
Industry Overview
The US banking industry is highly competitive, characterized by consolidation, technological advancements (fintech), and evolving regulatory landscapes. Community banks like Citizens Holding Company focus on personalized service and local market knowledge to differentiate themselves.
Positioning
Citizens Holding Company is positioned as a community bank primarily serving Louisiana. Its competitive advantages lie in its long-standing local presence, customer relationships, and understanding of the regional economy.
Total Addressable Market (TAM)
The TAM for banking services in Louisiana is substantial, encompassing deposits, loans, and financial advisory services. Citizens Holding Company's positioning is as a significant regional player within this market, with opportunities to expand its service offerings and customer base.
Upturn SWOT Analysis
Strengths
- Strong local market presence and brand recognition in Louisiana.
- Long history of customer relationships and trust.
- Agile decision-making typical of community banks.
- Focus on personalized customer service.
Weaknesses
- Limited geographic diversification, heavily reliant on the Louisiana market.
- Smaller scale compared to national banks, potentially limiting resources for technological investment.
- Susceptibility to regional economic downturns.
- May face challenges in attracting top talent against larger institutions.
Opportunities
- Expansion into adjacent or underserved markets within Louisiana.
- Leveraging technology to enhance digital banking offerings and customer experience.
- Strategic acquisitions of smaller local banks to increase market share.
- Growing demand for specialized lending products and wealth management services.
Threats
- Increased competition from larger national banks and credit unions.
- Disruption from fintech companies and digital-only banks.
- Changes in interest rate environments impacting net interest margins.
- Cybersecurity risks and data breaches.
- Economic slowdowns or recessions affecting loan demand and credit quality.
Competitors and Market Share
Key Competitors
- IberiaBank Corporation (IBKC) - Now part of First Horizon Corporation
- Home Bancorp, Inc. (HBCP)
- Progress Financial Corporation (PGF) - Acquired by IberiaBank
- Origin Bancorp, Inc. (OBNK)
Competitive Landscape
Citizens Holding Company competes in a fragmented market. Its advantages include deep local ties and personalized service, while disadvantages may stem from its smaller scale and limited geographic reach compared to larger regional and national banks. Its ability to adapt to technological changes and maintain strong community relationships is key.
Growth Trajectory and Initiatives
Historical Growth: Citizens Holding Company's historical growth has likely been driven by a combination of organic expansion through new branches and customer acquisition, as well as strategic acquisitions of smaller banks. Growth in loan portfolios and deposit bases are key indicators.
Future Projections: Future growth projections for Citizens Holding Company would typically be influenced by analyst reports and management guidance, considering factors like market expansion, new product introductions, and the broader economic outlook for its operating regions.
Recent Initiatives: Recent initiatives might include enhancing digital banking capabilities, focusing on specific lending niches, or integrating newly acquired entities to realize synergies and expand service reach.
Summary
Citizens Holding Company is a stable community bank with a strong local presence in Louisiana, benefiting from long-standing customer relationships and personalized service. Its primary challenges lie in competing with larger institutions and adapting to the digital banking landscape. While its growth trajectory is moderate, strategic initiatives and a focus on its core competencies can solidify its market position.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Filings (SEC EDGAR)
- Financial Data Aggregators (e.g., Yahoo Finance, Bloomberg)
- Industry Analysis Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Specific financial figures and market share data may vary depending on the reporting period and data source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Citizens Holding Company
Exchange NASDAQ | Headquaters Philadelphia, MS, United States | ||
IPO Launch date 1999-10-19 | President, CEO & Director Mr. Stacy M. Brantley | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | |
Full time employees - | |||
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.