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Citizens Holding (CIZN) Fair Value & Analysis

Financial Services · US · Market cap $53.3M

Price$9.84
Fair Value$18.63
Upside+89.3%
Quality95/100
Evidence: High Range $13.97 – $23.29

Fair value as of: Jun 26, 2026

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Analysis

Citizens Holding (CIZN) currently trades at $9.84, while our model-based Fair Value estimate is $18.63 — implying the stock looks roughly 89.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the 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 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,…

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Frequently asked questions

Is Citizens Holding (CIZN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $18.63 versus a price of $9.84 — about +89% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CIZN?
Our 21-model fair value for Citizens Holding is $18.63 (as of Jun 26, 2026), built from audited fundamentals. The current price is $9.84.
What is the quality score of CIZN?
Citizens Holding has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.