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Market Performance
Stock returned +10.0% over the past year, broadly in line with market conditions.Analyst Target
Analyst consensus price target: $24.00.What is Citizens Holding Company?
Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various banking products and services.
CIZN · Verdict
Moderate reward · elevated risk
CIZN stands out on volatility and profitability, but watch the balance sheet signal.
Based on 88% data coverage
CIZN · Verdict
What’s working & what to watch
Strengths 2
- Volatility95/100
Top decile vs peers
- Profitability65/100
10% net margin · 15% ROE
Watchouts 3
- Balance sheet20/100
Net debt/EBITDA 9.2×
- Growth41/100
Rev +18.4% CAGR · earnings -5.4%
- Cash flow42/100
8% free-cash-flow margin
Model-based scoring. For information only — not financial advice.
What is Citizens Holding Company?
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 is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 53.94M, and a P/E ratio of 28.9x.
Financial Highlights
Investment Breakdown
Analysis
Reward: Moderate (49)The scoring profile indicates limited reward potential at this time, with profitability and momentum offering the most support. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.
For informational purposes only. Not financial advice.