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Citizens Holding Company

$10.52 +$2.55 (+31.99%)
OTC · 11 Sep 2026 20:00 UTC
Previous Close
$10.55
Day Range
$10.52 - $10.52
Year Range
$6.44$11
Market Cap
59.17M
AVG Volume
3.67K
Trailing/Forward PE
6.26/-
PEG ratio
0.08
Dividend Yield
-
Next Earnings Date
-
Primary Exchange
Other OTCUS
Revenue (USD)
025M50M75M100M2016201720182019202020212022202320242025
CIZN Revenue (USD) by year
PeriodRevenue (USD)
202582.65M
202478.48M
202356.29M
202249.76M
202149.88M
202050.13M
201944.25M
201839.2M
201737.92M
201637.1M
Net Income (USD)
02.5M5M7.5M10M2016201720182019202020212022202320242025
CIZN Net Income (USD) by year
PeriodNet Income (USD)
20258.14M
20245.49M
20231.85M
20229.62M
20217.49M
20206.93M
20195.9M
20186.67M
20173.7M
20166.74M
Operating Income (USD)
05M10M15M2016201720182019202020212022202320242025
CIZN Operating Income (USD) by year
PeriodOperating Income (USD)
20259.55M
20246.91M
20231.78M
202211.5M
20218.93M
20208.68M
20197.26M
20187.5M
20177.77M
20168.35M
EBITDA (USD)
05M10M15M2016201720182019202020212022202320242025
CIZN EBITDA (USD) by year
PeriodEBITDA (USD)
20259.55M
20246.91M
20231.78M
202212.78M
20218.93M
20208.68M
20197.26M
20187.5M
20177.77M
20168.35M
Cash Flows (USD)
05M10M15M2015201620172018201920202021202220232025
CIZN Cash Flows (USD) by year
PeriodCash Flows (USD)
20250
20234.8M
202211.12M
202114.89M
202012.02M
201910.9M
201811.83M
20177.71M
20169.09M
20159.95M
EPS (USD)
00.511.522016201720182019202020212022202320242025
CIZN EPS (USD) by year
PeriodEPS (USD)
20251.45
20240.98
20230.33
20221.71
20211.34
20201.24
20191.15
20181.37
20170.75
20161.37
Expenses (USD)
010M20M30MSG&ACapex2016201720182019202020212022202320242025
CIZN Expenses (USD) by year
PeriodExpenses (USD)
2015455.67K
202524.12M
202428.68M
202320.8M
202222.09M
202124.75M
202023.18M
201918.38M
201818.14M
201721.09M
201618.08M
Cash & Debt (USD)
0200M400M600M800MCashLong Term DebtShort Term Debt2016201720182019202020212022202320242025
CIZN Cash & Debt (USD) by year
PeriodCash & Debt (USD)
202517.14M
202418.36M
2023272.27M
2022229.92M
2021711.07M
2020721.06M
2019538.88M
2018465.42M
2017524.54M
2016566.42M
Debt ratios
-30-20-100102020182019202020212022202320242025
CIZN Debt ratios by year
PeriodDebt ratios
20252.27
202410.44
2023-2.99
2022-5.63
2021-17.93
2020-22.3
2019-17.45
2018-13.81
Margins
0%25%50%75%100%2016201720182019202020212022202320242025
CIZN Margins by year
PeriodMargins
202562.92%
202458.39%
202364.34%
202290.12%
202187.12%
202082.22%
201976.73%
201887.77%
201792.62%
201691.83%
Return on Capital
0%10%20%30%2016201720182019202020212022202320242025
CIZN Return on Capital by year
PeriodReturn on Capital
202513.09%
202411.42%
20234.33%
202224.65%
20217.08%
20205.8%
20195.23%
20187.96%
20174.19%
20167.92%
Shares Outstanding
02M4M6M2016201720182019202020212022202320242025
CIZN Shares Outstanding by year
PeriodShares Outstanding
20255.65M
20245.61M
20235.6M
20225.6M
20215.59M
20205.58M
20195.56M
20184.89M
20174.88M
20164.87M
Dividends (USD)
00.250.50.7512016201720182019202020212022202320242025
CIZN Dividends (USD) by year
PeriodDividends (USD)
20250.04
20240.64
20230.72
20220.96
20210.96
20200.96
20190.96
20180.96
20170.96
20160.96
Employee Count
01002003002014201520162017201820192020202120222023
CIZN Employee Count by year
PeriodEmployee Count
2023246
2022271
2021252
2020264
2019264
2018235
2017241
2016240
2015236
2014235
Book Value Per Share (USD)
01020302016201720182019202020212022202320242025
CIZN Book Value Per Share (USD) by year
PeriodBook Value Per Share (USD)
202510.99
20248.57
20237.63
20226.97
202118.95
202021.43
201920.29
201817.14
201718.12
201617.47
Total Assets (USD)
0500M1B1.5B2B2016201720182019202020212022202320242025
CIZN Total Assets (USD) by year
PeriodTotal Assets (USD)
20251.51B
20241.47B
20231.4B
20221.32B
20211.36B
20201.45B
20191.2B
2018958.63M
2017993.1M
2016996.27M
PE Ratio
5101520med 8.26Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CIZN PE Ratio by year
PeriodPE Ratio
Sep 267.31
Sep 267.41
Aug 267.29
Aug 267.3
Aug 267.62
Aug 267.43
Jul 267.46
Jul 267.02
Jul 266.95
Jul 266.81
Jul 266.69
Jun 266.72
Jun 266.51
Jun 266.5
Jun 266.63
May 266.61
May 266.54
May 266.74
May 266.6
May 266.67
Apr 266.43
Apr 266.23
Apr 266.23
Apr 266.17
Mar 266.87
Mar 266.91
Mar 267.13
Mar 267.21
Feb 267.36
Feb 267.28
Feb 267.44
Feb 267.13
Jan 266.27
Jan 266.16
Jan 266.18
Jan 266.19
Jan 266.08
Dec 258.33
Dec 258.28
Dec 258.33
Dec 258.24
Nov 257.42
Nov 257.26
Nov 257.07
Nov 256.92
Oct 257.17
Oct 256.91
Oct 256.85
Oct 256.96
Oct 257
Sep 258.41
Sep 258.49
Sep 258.37
Sep 258.41
Aug 258.92
Aug 259.04
Aug 259.06
Aug 259.16
Aug 259.33
Jul 259.9
Jul 259.97
Jul 2510.54
Jul 2510.64
Jun 258.58
Jun 258.48
Jun 258.7
Jun 258.73
May 258.56
May 258.53
May 258.69
May 258.69
May 258.69
Apr 258.42
Apr 257.26
Apr 258.02
Apr 257.97
Mar 2513.35
Mar 2513.85
Mar 2516.61
Mar 2516.61
Feb 2516.94
Feb 2516.61
Feb 2516.36
Feb 2516.57
Jan 2516.19
Jan 2517.6
Jan 2515.86
Jan 2515.53
Jan 2515.28
Dec 2411.72
Dec 2412.48
Dec 2412.47
Dec 2411.5
Nov 2411.83
Nov 2411.83
Nov 2411.89
Nov 2411.7
Nov 2411.52
Oct 2411.7
Oct 2411.67
Free Cash Flow Yield
8%10%12%14%16%18%med 13.23%Oct 22Jan 23May 23Aug 23Dec 23Mar 24Jun 24
CIZN Free Cash Flow Yield by year
PeriodFree Cash Flow Yield
Jun 2410.92%
Jun 2411.21%
Jun 2411.06%
Jun 2411.06%
May 2411.06%
May 2411.04%
May 2411.11%
May 2410.98%
May 2411.05%
Apr 2410.91%
Apr 2410.87%
Apr 2410.95%
Apr 2410.99%
Mar 2414.12%
Mar 2414.24%
Mar 2414.14%
Mar 2414.51%
Mar 2414.08%
Feb 2414.24%
Feb 2414.14%
Feb 2414.06%
Feb 2414.41%
Jan 2414.1%
Jan 2414.14%
Jan 2414.23%
Jan 2414.23%
Dec 2314.32%
Dec 2314.14%
Dec 2312.54%
Dec 2311.62%
Dec 2310.7%
Nov 2310.83%
Nov 2310.7%
Nov 2311.74%
Nov 2311.86%
Oct 2311.66%
Oct 2311.57%
Oct 2311.59%
Oct 2311.56%
Sep 2311.18%
Sep 2311.64%
Sep 2311.03%
Sep 2311.37%
Sep 2311.49%
Aug 2311.16%
Aug 2311.44%
Aug 2316.22%
Aug 2314.53%
Jul 2314.35%
Jul 2314.41%
Jul 2314.12%
Jul 2314.36%
Jun 2313.89%
Jun 2313.98%
Jun 2313.61%
Jun 2314.18%
Jun 2313.67%
May 2313.66%
May 2313.55%
May 2315.6%
May 2315.68%
Apr 2315.48%
Apr 2315.57%
Apr 2316.23%
Apr 2315.76%
Mar 2316.45%
Mar 2316.63%
Mar 2315.18%
Mar 2312.45%
Mar 2312.69%
Feb 2312.35%
Feb 2312.28%
Feb 2312.18%
Feb 2312.9%
Jan 2314.11%
Jan 2314.15%
Jan 2314.14%
Jan 2314.49%
Dec 2214.18%
Dec 2214.6%
Dec 2214.46%
Dec 2213.73%
Dec 2213.92%
Nov 2213.92%
Nov 2213.87%
Nov 2213.73%
Nov 2214.23%
Oct 2211.18%
Oct 2211.25%
Oct 2210.97%
Oct 2211.27%
Sep 2210.67%
Sep 2210.69%
Sep 2210.09%
Sep 229.57%
Sep 229.49%
Aug 229.31%
Aug 229.23%
Aug 229.14%
Aug 229.44%
Price to Sales
0.40.50.60.70.80.9med 0.63Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CIZN Price to Sales by year
PeriodPrice to Sales
Sep 260.72
Sep 260.73
Aug 260.72
Aug 260.72
Aug 260.75
Aug 260.73
Jul 260.74
Jul 260.69
Jul 260.69
Jul 260.67
Jul 260.66
Jun 260.66
Jun 260.64
Jun 260.64
Jun 260.65
May 260.65
May 260.64
May 260.66
May 260.65
May 260.66
Apr 260.63
Apr 260.61
Apr 260.61
Apr 260.61
Mar 260.62
Mar 260.63
Mar 260.65
Mar 260.65
Feb 260.67
Feb 260.66
Feb 260.68
Feb 260.65
Jan 260.57
Jan 260.56
Jan 260.56
Jan 260.56
Jan 260.55
Dec 250.56
Dec 250.56
Dec 250.56
Dec 250.56
Nov 250.5
Nov 250.49
Nov 250.48
Nov 250.47
Oct 250.49
Oct 250.47
Oct 250.46
Oct 250.47
Oct 250.47
Sep 250.48
Sep 250.49
Sep 250.48
Sep 250.48
Aug 250.51
Aug 250.52
Aug 250.52
Aug 250.53
Aug 250.54
Jul 250.57
Jul 250.57
Jul 250.61
Jul 250.61
Jun 250.6
Jun 250.59
Jun 250.61
Jun 250.61
May 250.6
May 250.6
May 250.61
May 250.61
May 250.61
Apr 250.59
Apr 250.51
Apr 250.56
Apr 250.56
Mar 250.61
Mar 250.63
Mar 250.76
Mar 250.76
Feb 250.77
Feb 250.76
Feb 250.75
Feb 250.76
Jan 250.74
Jan 250.81
Jan 250.73
Jan 250.71
Jan 250.7
Dec 240.7
Dec 240.75
Dec 240.75
Dec 240.69
Nov 240.71
Nov 240.71
Nov 240.71
Nov 240.7
Nov 240.69
Oct 240.7
Oct 240.7
EV/EBITDA
020406080100med 44.77Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CIZN EV/EBITDA by year
PeriodEV/EBITDA
Sep 2614.03
Sep 2614.12
Aug 2614.02
Aug 2614.02
Aug 2614.3
Aug 2614.14
Jul 2614.17
Jul 2613.78
Jul 2613.72
Jul 2613.61
Jul 2613.5
Jun 2613.11
Jun 2612.94
Jun 2612.93
Jun 2613.04
May 2613.02
May 2612.96
May 2613.13
May 2613.01
May 2613.07
Apr 2612.87
Apr 2612.7
Apr 2612.69
Apr 2612.65
Mar 2641
Mar 2641.03
Mar 2641.22
Mar 2641.29
Feb 2641.41
Feb 2641.35
Feb 2641.48
Feb 2641.22
Jan 2640.51
Jan 2640.41
Jan 2640.43
Jan 2640.44
Jan 2640.35
Dec 2524.89
Dec 2524.84
Dec 2524.89
Dec 2524.81
Nov 2524.13
Nov 2523.99
Nov 2523.84
Nov 2523.71
Oct 2523.92
Oct 2523.71
Oct 2523.66
Oct 2523.75
Oct 2523.78
Sep 2555.94
Sep 2556.01
Sep 2555.91
Sep 2555.94
Aug 2556.36
Aug 2556.47
Aug 2556.48
Aug 2556.56
Aug 2556.71
Jul 2557.18
Jul 2557.24
Jul 2557.71
Jul 2557.79
Jun 2552.72
Jun 2552.65
Jun 2552.82
Jun 2552.84
May 2552.71
May 2552.69
May 2552.81
May 2552.81
May 2552.81
Apr 2552.6
Apr 2551.68
Apr 2552.28
Apr 2552.24
Mar 2581.65
Mar 2582.06
Mar 2584.35
Mar 2584.35
Feb 2584.62
Feb 2584.35
Feb 2584.14
Feb 2584.32
Jan 2584
Jan 2585.17
Jan 2583.73
Jan 2583.45
Jan 2583.25
Dec 2448.25
Dec 2448.86
Dec 2448.85
Dec 2448.06
Nov 2448.33
Nov 2448.33
Nov 2448.38
Nov 2448.22
Nov 2448.09
Oct 2448.22
Oct 2448.2
Price/Operating Cashflow
456789med 6.09Oct 22Jan 23May 23Aug 23Dec 23Mar 24Jun 24
CIZN Price/Operating Cashflow by year
PeriodPrice/Operating Cashflow
Jun 247.96
Jun 247.76
Jun 247.86
Jun 247.86
May 247.86
May 247.88
May 247.83
May 247.92
May 247.87
Apr 247.97
Apr 248.01
Apr 247.94
Apr 247.91
Mar 246.05
Mar 245.99
Mar 246.04
Mar 245.89
Mar 246.06
Feb 245.99
Feb 246.04
Feb 246.07
Feb 245.93
Jan 246.06
Jan 246.04
Jan 246
Jan 246
Dec 235.96
Dec 236.04
Dec 236.81
Dec 237.35
Dec 237.98
Nov 237.89
Nov 237.98
Nov 236.18
Nov 236.12
Oct 236.22
Oct 236.27
Oct 236.26
Oct 236.28
Sep 236.49
Sep 236.23
Sep 236.57
Sep 236.38
Sep 236.31
Aug 236.5
Aug 236.34
Aug 234.85
Aug 235.42
Jul 235.49
Jul 235.46
Jul 235.58
Jul 235.48
Jun 235.67
Jun 235.63
Jun 235.78
Jun 235.55
Jun 235.76
May 235.77
May 235.81
May 235.18
May 235.15
Apr 235.22
Apr 235.19
Apr 234.98
Apr 235.13
Mar 234.91
Mar 234.86
Mar 235.32
Mar 236.49
Mar 236.37
Feb 236.55
Feb 236.58
Feb 236.63
Feb 236.26
Jan 235.73
Jan 235.71
Jan 235.72
Jan 235.58
Dec 225.7
Dec 225.53
Dec 225.59
Dec 225.89
Dec 225.81
Nov 225.81
Nov 225.83
Nov 225.89
Nov 225.68
Oct 226.87
Oct 226.83
Oct 227.01
Oct 226.82
Sep 227.2
Sep 227.19
Sep 227.62
Sep 228.03
Sep 228.1
Aug 228.26
Aug 228.33
Aug 228.41
Aug 228.14
Price to Book
0.60.811.2med 0.9Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CIZN Price to Book by year
PeriodPrice to Book
Sep 260.94
Sep 260.95
Aug 260.94
Aug 260.94
Aug 260.98
Aug 260.95
Jul 260.96
Jul 260.9
Jul 260.89
Jul 260.87
Jul 260.86
Jun 260.88
Jun 260.85
Jun 260.85
Jun 260.87
May 260.87
May 260.86
May 260.88
May 260.86
May 260.87
Apr 260.84
Apr 260.82
Apr 260.82
Apr 260.81
Mar 260.87
Mar 260.88
Mar 260.9
Mar 260.91
Feb 260.93
Feb 260.92
Feb 260.94
Feb 260.9
Jan 260.8
Jan 260.78
Jan 260.78
Jan 260.78
Jan 260.77
Dec 250.87
Dec 250.87
Dec 250.87
Dec 250.86
Nov 250.78
Nov 250.76
Nov 250.74
Nov 250.73
Oct 250.75
Oct 250.72
Oct 250.72
Oct 250.73
Oct 250.73
Sep 250.74
Sep 250.75
Sep 250.74
Sep 250.74
Aug 250.79
Aug 250.8
Aug 250.8
Aug 250.81
Aug 250.83
Jul 250.88
Jul 250.88
Jul 250.93
Jul 250.94
Jun 250.98
Jun 250.97
Jun 250.99
Jun 251
May 250.98
May 250.97
May 250.99
May 250.99
May 250.99
Apr 250.96
Apr 250.83
Apr 250.92
Apr 250.91
Mar 250.89
Mar 250.93
Mar 251.11
Mar 251.11
Feb 251.13
Feb 251.11
Feb 251.09
Feb 251.11
Jan 251.08
Jan 251.18
Jan 251.06
Jan 251.04
Jan 251.02
Dec 241.07
Dec 241.14
Dec 241.14
Dec 241.05
Nov 241.08
Nov 241.08
Nov 241.08
Nov 241.07
Nov 241.05
Oct 241.07
Oct 241.06
Citizens Holding Company
CIZN
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News: CIZN

First Citizens Bank Provides $157 Million to Morningstar Properties

prnewswire.com · 14 Sep 2026

First Citizens Bank Provides $157 Million to Morningstar Properties

Funding will be used to refinance Blue Doors Storage Fund IV RALEIGH, N.C., Sept. 14, 2026 /PRNewswire/ -- First Citizens Bank today announced that its Middle Market Banking business provided $157 million in financing to Morningstar Properties, a leading investor in and operator of self-storage facilities, marinas, and other specialty real estate assets.

Citizens Financial Group Announces Third Quarter 2026 Earnings Conference Call Details

businesswire.com · 10 Sep 2026

Citizens Financial Group Announces Third Quarter 2026 Earnings Conference Call Details

PROVIDENCE, R.I.--(BUSINESS WIRE)--As previously announced, Citizens Financial Group, Inc. (NYSE: CFG) will report its third quarter 2026 earnings on October 16, 2026. The news release and supplemental materials will be available at http://investor.citizensbank.com. CFG management will host a live conference call that morning with details as follows: Time:   9:00 am (ET)   Dial-in:   To ask a question on the call, individuals may call in by dialing 800-369-1703, conference ID 1679767   For the.

First Citizens Bank Completes Branch Acquisition, Expanding Presence Across the Midwest, Great Plains and West

prnewswire.com · 8 Sep 2026

First Citizens Bank Completes Branch Acquisition, Expanding Presence Across the Midwest, Great Plains and West

Associated client accounts have transitioned to First Citizens Bank platforms Regional leadership appointments, $1 million giving commitment reinforce Bank's investment in local banking with a relationship-driven approach RALEIGH, N.C., Sept. 8, 2026 /PRNewswire/ -- First Citizens Bank today announced the successful conversion of 138 branches that it acquired from BMO Bank N.A.

Citizens Financial Group Announces Redemption of All Outstanding Shares of its Series G Preferred Stock

businesswire.com · 1 Sep 2026

Citizens Financial Group Announces Redemption of All Outstanding Shares of its Series G Preferred Stock

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) today announced that it will redeem on October 6, 2026 (the “Redemption Date”) all outstanding shares of its 4.000% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series G (CUSIP: 174610BD6; ISIN: US174610BD66) (the “Series G Preferred Stock”). All 300,000 shares of the Series G Preferred Stock currently outstanding will be redeemed on the Redemption Date. On and after the Redemption Date, no shares of Ser.

Citizens Financial Group: Diversified Growth Supports Q2 2026 Earnings

seekingalpha.com · 1 Sep 2026

Citizens Financial Group: Diversified Growth Supports Q2 2026 Earnings

Citizens Financial Group is rated BUY, targeting a 16–18% ROTCE, with 2Q26 ROTCE at 13.9%. CFG delivered robust 2Q26 results: 14% net interest income growth, 35% net income growth, and strong capital markets and private banking momentum. CFG trades at a 13% discount to sector median P/B, with forward ROE projected 486% above peers, supporting valuation upside.

Despite Recent Gains, Opportunity Remains With Citizens Financial Services

seekingalpha.com · 30 Aug 2026

Despite Recent Gains, Opportunity Remains With Citizens Financial Services

Citizens Financial Services is rated Buy, driven by strong profit growth, operational metrics, and discounted valuation despite recent share price gains. CZFS's Q2 2026 EPS beat expectations, net interest margin expanded to 3.69%, and tangible book value per share rose 17.6% year over year. Forward PE of 9.29 remains below regional peers, with the company likely to exceed its FY 2026 earnings projection.

Revman International Secures $87 million from First Citizens Bank

prnewswire.com · 12 Aug 2026

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.

Citizens, Inc. Reports Second Quarter 2026 Financial Results

newsfilecorp.com · 6 Aug 2026

Citizens, Inc. Reports Second Quarter 2026 Financial Results

Austin, Texas--(Newsfile Corp. - August 6, 2026) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today reported results for the second quarter ended June 30, 2026. "Our underlying indicators of future growth continued to advance.

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