What is Citizens National Corporation (CZNL) stock price today?

Citizens National Corporation (CZNL) is currently trading at $88.39, up 3.99% today.

What is CZNL P/E ratio?

Citizens National Corporation's P/E ratio is 15.14. This is near the market average.

What is CZNL return on equity (ROE)?

Citizens National Corporation's return on equity (ROE) is 7.69%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is Citizens National Corporation's market cap?

Citizens National Corporation has a market capitalization of $86.35M.

OTC · Banks - Regional

Citizens National Corporation (CZNL) Stock

$88.39 +3.99% OTC: CZNL Financial Services

Valuation

Metric	Value
Price	$88.39
Market Cap	$86.35M
P/E Ratio	15.14
P/B Ratio	1.07
P/S Ratio	2.58
EPS (TTM)	$5.84
52-Week High	$88.39
52-Week Low	$42.24
Dividend Yield	1.14%

Financials & Margins

Metric	Value
ROE	7.69%
ROA	0.83%
ROCE	1.00%
Gross Margin	73.49%
Operating Margin	20.44%
Net Margin	17.04%
Debt/Equity	0.16
Current Ratio	8.54

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$26.0M	$27.0M	$30.0M	$32.0M	$34.0M
Operating Profit	$6.0M	$7.0M	$6.0M	$5.0M	$7.0M
Net Profit	$5.0M	$6.0M	$5.0M	$5.0M	$6.0M
EPS	$5.38	$6.10	$5.08	$4.75	$5.84
Op Margin	23.9%	26.1%	19.3%	16.9%	20.4%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$775.0M	$698.0M	$660.0M	$660.0M	$690.0M
Total Liabilities	$693.0M	$639.0M	$592.0M	$592.0M	$609.0M
Cash	$178.0M	$34.0M	$16.0M	$34.0M	$12.0M
Borrowings	$24.0M	$24.0M	$14.0M	$12.0M	$13.0M

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$7.0M	$7.0M	$6.0M	$9.0M	$6.0M
Investing Cash Flow	$-36.0M	$43.0M	$39.0M	$-6.0M	$-21.0M
Financing Cash Flow	$36.0M	$-49.0M	$-44.0M	$1.0M	$17.0M
Net Cash Flow	$2.0M	$-2.0M	$-2.0M	$1.0M	$1.0M
Free Cash Flow	$7.0M	$6.0M	$6.0M	$9.0M	$6.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.55
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	—
Return 3Y	—
Return 5Y	—

Ownership

Insiders Held51.93%

Institutions Held0.00%

Institutions Float Held0.00%

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
AAPLApple Inc.	$313.33	+0.29%	37.72	$4.60T	0.34%
MSFTMicrosoft Corporation	$499.99	+0.03%	22.95	$3.71T	0.94%
GOOGLAlphabet Inc.	$354.30	-0.96%	27.68	$4.29T	0.23%
AMZNAmazon.com, Inc.	$274.48	+0.82%	28.76	$2.95T	0.00%
METAMeta Platforms, Inc.	$592.10	+0.37%	21.47	$1.51T	0.35%

About Citizens National Corporation

Citizens National Corporation functions as the parent entity for Citizens Bank of Kentucky, providing a wide array of financial services and solutions throughout the United States. Its offerings include diverse deposit accounts such as checking and savings options, individual retirement accounts (IRAs), and certificates of deposit. The company also extends various lending products, including personal, home equity, mortgage/real estate, and business loans. Additionally, it offers convenient digital banking features like online, mobile, and specialized healthcare banking, alongside cash management and remote deposit capture capabilities for businesses, and both debit and credit cards. The corporation was established in 1909 and maintains its principal office in Paintsville, Kentucky.

Citizens National Corporation is headquartered in US.

Citizens National Corporation (CZNL) stock trades at $88.39 with a market capitalization of $86.35M. The stock is valued at a price-to-earnings (P/E) ratio of 15.14, price-to-book of 1.07, price-to-sales of 2.58. Over the past 52 weeks the stock has ranged between $42.24 and $88.39, and currently trades at its 52-week high. It pays a dividend yielding 1.14%.

On profitability, Citizens National Corporation generates a return on equity (ROE) of 7.69%, return on capital employed of 1.00%, an operating margin of 20.44%, a net profit margin of 17.04%.

Official website: www.wercitizens.bank