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what it is
Citizens runs a local bank that takes deposits, makes loans, and offers trust and online services.
how it gets paid
Last year Citizens made n/a in revenue. Commercial and personal banking was the main engine at n/a, or 45% of sales.
what just happened
Citizens earned $1.44 a share in 2025, one cent below the estimate.
At a glance
B balance sheet — gets the job done, barely
45/100 earnings predictability — expect surprises
6.6x trailing p/e — the market's not buying it — or you found a deal
0.8% dividend yield — cash in your pocket every quarter
$1.45 fy2025 eps est
xvary composite: 46/100 — below average
What they do
Citizens runs a local bank that takes deposits, makes loans, and offers trust and online services.
You are looking at 286 employees, $1,337,282 in deposits, and $832,191 in loans. That is a $1,511,324 asset base, not a giant machine. Deposits, the cash customers park in accounts, fund the loans. Leaving means moving your money, your checks, and your trust.
How they make money
n/a
annual revenue
Commercial and personal banking
n/a
Mortgage lending
n/a
Trust and corporate services
n/a
Credit life, title insurance and internet services
n/a
The products that matter
1–4 family real estate lending
Residential Mortgages
loan book anchor
This sits inside a bank generating $44.1M of net interest income, which tells you lending is still the core engine.
credit quality matters
business and personal lending
Commercial & Consumer Loans
core local lending
Non-interest income is only $5.2M, so loan growth and loan losses matter more here than fee businesses.
spread business
checking, savings, and CDs
Deposit Services
funding base
Deposits fund a bank producing $49.3M in trailing revenue. If deposit costs rise, a 3.8% net margin gets squeezed fast.
margin watch
Key numbers
$1.44
2025 EPS
One cent below the estimate keeps the story boring, and boring is fine when the stock trades cheap.
6.6x
trailing P/E
You are paying 6.6 times earnings for a bank that made $8,148 in annual profit.
0.8%
dividend yield
The payout is tiny, so income does not do much of the work for you.
$15M
long-term debt
Debt is 22% of capital, so leverage is present but not wild.
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 4 — safer than 20% of stocks
- price stability 70 / 100
- long-term debt $15M (22% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for CIZN right now.
source: institutional data · return history unavailable
What just happened
missed estimates
Citizens earned $1.44 a share in 2025, one cent below the estimate.
Net income for the twelve months ended December 31, 2025 was $8,148. That is the whole story when the bank is this small.
$8,148
net income
$1.44
eps
6.6x
trailing p/e
EPS
The $1.44 EPS matters because it missed the estimate by a cent. On a $53M market cap, that still leaves the stock priced at 6.6x earnings.
source: company earnings report, 2026
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What could go wrong
the #1 risk is Mississippi credit and deposit concentration.
high
thin margin means no cushion
A 3.8% net profit margin is thin for any bank. One ugly quarter in credit costs or funding costs can do real damage.
impact: with only $1.9M of trailing profit, there is not much room for error.
high
local concentration is the whole book
You are not diversified across states or business lines here. A local economic slowdown hits loans, deposits, and confidence at the same time.
impact: this is a single-region bank, so a regional problem becomes a company problem fast.
med
rate moves hit almost everything
Net interest income is $44.1M, or 89% of revenue. If deposit costs rise faster than loan yields, earnings pressure shows up quickly.
impact: when one line drives 89% of revenue, you do not get many offsets.
med
limited scale limits options
At roughly $53M in market cap, CIZN does not have the budget larger banks have for technology, compliance, or aggressive deposit pricing.
impact: scale is not just prestige. It is operating flexibility.
Almost all of the business runs through $44.1M of net interest income, and only 3.8% of revenue ends up as profit. That is a narrow bridge.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest income has to keep holding up
It is $44.1M and 89% of revenue. If that line flattens or reverses, the earnings rebound loses its engine.
calendar
next earnings report matters more than usual
This is a small bank with a 45/100 predictability score. The next quarterly release will tell you whether 2025 was a step up or just a good patch.
risk
watch the margin, not just the headline eps
A 3.8% net margin is the weak point. You want to see the profit line improve without taking more balance-sheet risk.
trend
the stock is already near the top of its range
At $9.54 versus a $6–$10 range, price is saying things are better. Fundamentals have to keep up from here.
Analyst rankings
earnings predictability
45 / 100
In human-speak, the earnings line can swing around. You should expect less consistency than you get from larger banks.
balance sheet grade
B
Good enough to operate. Not good enough to be the reason you buy the stock.
valuation check
28.6x p/e
You are paying a premium multiple for a business with a 3.8% net margin. That is the tension in the story.
source: institutional data
Institutional activity
institutional ownership data for CIZN is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$10
current price
n/a
target midpoint · n/a from current
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