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1. Company Snapshot

1.a. Company Description

Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various commercial and personal banking products and services.It offers demand deposits; and savings and time deposit accounts.The company also provides secured and unsecured loans; mortgage loans; single and multi-family housing, farm, residential and commercial construction, and commercial real estate loans; commercial, industrial, and agricultural production loans; and consumer loans, as well as issues letters of credit.


In addition, it offers personal and corporate trust services; credit life and title insurance; and online and mobile banking services.The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.

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1.b. Last Insights on CIZN

Citizens Holding Company's recent performance was driven by a solid Q4 earnings report, which beat expectations. The company's net income for the three months ended December 31, 2025 was $2,079, or $0.37 per share-basic and diluted, a linked-quarter decrease of $278, or 11.8%, from net income of $2,357, or $0.42 per share-basic and diluted, for the three months ended September 30, 2025. Additionally, Citizens Financial Group reported better-than-expected fourth-quarter financial results, with solid revenue growth, margin expansion, and tangible book value improvement. The company's management guided to robust NII and fee income growth, driven by consistent execution and improving ROTCE. Furthermore, Citizens Community Bancorp, Inc. reported fourth-quarter earnings of $0.44 per share, with the board approving a quarterly dividend of $0.105 per share.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Citizens Financial Likely To Report Higher Q1 Earnings; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call

11:36

Source: benzinga.com

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Amazon Poised For 26.5% Upside As Citizens Reiterates $315 Target Following Globalstar Deal

10:22

Source: benzinga.com

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Higher NII & Loan Growth to Support Citizens Financial's Q1 Earnings

Apr -14

Source: zacks.com

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Citizens Advances Financial Empowerment with $2.85 Million Financial Literacy Investment

Apr -13

Source: businesswire.com

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Blue Ridge Bankshares (NASDAQ:BRBS) versus Citizens (NASDAQ:CIZN) Financial Analysis

Apr -13

Source: defenseworld.net

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Citizens Financial Group: Q1 Results Should Validate Recent Strength

Apr -11

Source: seekingalpha.com

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First Citizens Appoints Chris Stringer to Lead the Dallas Market

Apr -10

Source: prnewswire.com

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First Citizens BancShares, Inc. Announces Date of First Quarter 2026 Earnings Call

Mar -31

Source: prnewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Banking and Related Activities

Expected Growth: 4.5%

Citizens Holding Company's Banking and Related Activities segment is expected to grow driven by increasing demand for digital banking services, rising adoption of credit cards, and a growing need for loan services among individuals and businesses.

7. Detailed Products

Personal Banking

Citizens Holding Company offers a range of personal banking services, including checking and savings accounts, credit cards, loans, and investment products.

Business Banking

The company provides business banking services, including commercial loans, cash management, and treasury management solutions.

Mortgage Lending

Citizens Holding Company offers a variety of mortgage loan options, including fixed-rate and adjustable-rate mortgages, refinancing, and construction loans.

Investment Services

The company provides investment services, including brokerage, retirement planning, and wealth management.

Insurance Services

Citizens Holding Company offers a range of insurance products, including life insurance, disability insurance, and long-term care insurance.

Treasury Management

The company provides treasury management services, including cash management, fraud prevention, and account management.

8. Citizens Holding Company's Porter Forces

Forces Ranking

Threat Of Substitutes

Citizens Holding Company operates in a niche market, and substitutes are limited, but not impossible. The company's unique services and customer relationships reduce the threat of substitutes.

Bargaining Power Of Customers

Citizens Holding Company's customers are primarily individuals and small businesses, which have limited bargaining power. The company's strong relationships and personalized services reduce the bargaining power of customers.

Bargaining Power Of Suppliers

Citizens Holding Company relies on a few key suppliers for its operations. While the company has some bargaining power, suppliers also have some leverage, particularly in terms of pricing and delivery schedules.

Threat Of New Entrants

The banking industry has significant barriers to entry, including regulatory hurdles and capital requirements. Citizens Holding Company's established presence and strong relationships reduce the threat of new entrants.

Intensity Of Rivalry

The banking industry is highly competitive, with many established players competing for market share. Citizens Holding Company faces intense rivalry from larger banks and online lenders, which can impact its market share and pricing power.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 29.62%
Debt Cost 4.03%
Equity Weight 70.38%
Equity Cost 4.03%
WACC 4.03%
Leverage 42.08%

11. Quality Control: Citizens Holding Company passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Landmark Bancorp

A-Score: 6.6/10

Value: 6.9

Growth: 5.0

Quality: 6.6

Yield: 6.0

Momentum: 7.5

Volatility: 7.7

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LCNB

A-Score: 6.5/10

Value: 7.5

Growth: 6.1

Quality: 5.9

Yield: 9.0

Momentum: 3.5

Volatility: 7.0

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Northfield Bancorp

A-Score: 5.7/10

Value: 7.1

Growth: 4.7

Quality: 5.2

Yield: 8.0

Momentum: 2.5

Volatility: 6.7

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Kearny Financial

A-Score: 5.4/10

Value: 4.7

Growth: 5.8

Quality: 4.0

Yield: 9.0

Momentum: 2.5

Volatility: 6.7

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Citizens Holding

A-Score: 4.4/10

Value: 6.1

Growth: 3.7

Quality: 4.4

Yield: 4.0

Momentum: 1.5

Volatility: 7.0

1-Year Total Return ->

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Triumph Financial

A-Score: 3.4/10

Value: 2.0

Growth: 3.6

Quality: 4.8

Yield: 4.0

Momentum: 1.5

Volatility: 4.3

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

8.95$

Current Price

8.95$

Potential

-0.00%

Expected Cash-Flows