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COMPANY SUMMARY
Citizens National Corporation operates as the bank holding company for Citizens Bank of Kentucky that provides various banking products and services in Eastern Kentucky, the United States. It offers deposit products, including checking and savings accounts, term certificate, individual retirement accounts, and certificates of deposits; lending products comprising residential mortgage, commercial, installment, consumer, home equity, and business loans; healthcare, online, and mobile banking services; merchant services; remote deposit capture services; and debit and credit cards, as well as cash, treasury, and wealth management services. The company was founded in 1909 and is based in Paintsville, Kentucky.
Financial Summary
| Share Statistics | CZNL | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $86.9 | $745.4 | 20% |
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| Shares Out (Mil) | na | 15.3 | na |
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| Institutional Ownership | na | 83.2% | na |
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| Float (Mil) | na | 21.8 | na |
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| Beta | -0.08 | 0.42 | 5% |
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| Avg Daily Volume (000s) | 1 | 45 | 4% |
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| Price Change (52-week) |
128.2% | 94.6% | 94% |
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| Growth | CZNL | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 2.1% | 7.7% | 24% |
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| Net Income (5yr) | 3.9% | 11.1% | 45% |
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| EPS (5yr) | 4.6% | 10.1% | 38 |
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| Dividends (5yr) | 2.6% | 3.6% | 78% |
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| Cash Flow (5yr) | 16.5% | (17.1%) | 76% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | CZNL | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $25 | $196 | 14% |
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| Net Income (TTM) (Mil) | $6 | $55 | 43% |
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| EPS (TTM) | $5.842 | $2.600 | 88% |
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| Operating Cash Flow (TTM) (Mil) | na | $35 | na |
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| Net Cash Flow (TTM) (Mil) | na | $2 | na |
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| Long-Term Debt (Q1) (Mil) | na | $100 | na |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CZNL | Industry Median |
Percentile (All Stocks) |
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| P/B | na | 1.25 | na |
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| P/E | 15.2 | 12.4 | 37% |
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| Dividend Yield | 1.1% | 2.2% | 68% |
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| PEG (5yr hist) | 3.3 | 1.1 | 80% |
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| Ratios | CZNL | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 23.2% | 29.1% | 82% |
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| ROA | na | 1.1% | na |
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| ROE | na | 11.3% | na |
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| Liabilities to Assets | na | 89.7% | na |
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| F-Score | 0 | 4 | na |
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Citizens National Corporation did not pass any screens on 8/21/2026.
