CZNL Stock Overview

Operates as the bank holding company for Citizens Bank of Kentucky that provides various banking products and services in Eastern Kentucky, the United States. More details

CZNL fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 53.7% below our estimate of its fair value

Pays a reliable dividend of 2.17%

Risk Analysis

Earnings have declined by 0.3% per year over past 5 years

Shares are highly illiquid

Does not have a meaningful market cap ($45M)

Latest financial reports are more than 6 months old

My Notes

Capture your thoughts, links and company narrative

Citizens National Corporation Competitors

Ballston Spa Bancorp

OTCPK:BSPA

US$43.2m

Lifestore Financial Group

OTCPK:LSFG

US$47.0m

Highlands Bankshares

OTCPK:HBSI

US$44.1m

Pacific Valley Bancorp

OTCPK:PVBK

US$46.0m

Price History & Performance

Summary of share price highs, lows and changes for Citizens National
Historical stock prices
Current Share Price	US$46.00
52 Week High	US$46.00
52 Week Low	US$38.11
Beta	0.18
1 Month Change	6.98%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	-20.69%
5 Year Change	-16.36%
Change since IPO	109.09%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CZNL	US Banks	US Market
7D	0%	-3.5%	-2.7%
1Y	n/a	29.1%	23.4%

Return vs Industry: Insufficient data to determine how CZNL performed against the US Banks industry.

Return vs Market: Insufficient data to determine how CZNL performed against the US Market.

Price Volatility

Is CZNL's price volatile compared to industry and market?
CZNL volatility
CZNL Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: CZNL's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine CZNL's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1909	n/a	Leisha Maynard	www.wercitizens.bank

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 checking and savings accounts, individual retirement accounts, and certificates of deposits; consumer, home equity, mortgage/real estate, and business loans; healthcare, online, and mobile banking services; cash management services; remote deposit capture services; and debit and credit cards, as well as wealth management services. The company was founded in 1909 and is based in Paintsville, Kentucky.

Citizens National Corporation Fundamentals Summary

How do Citizens National's earnings and revenue compare to its market cap?
CZNL fundamental statistics
Market cap	US$45.42m
Earnings (TTM)	US$5.03m
Revenue (TTM)	US$23.32m

9.0x

P/E Ratio

0.7x

P/B Ratio

Is CZNL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CZNL income statement (TTM)
Revenue	US$23.32m
Cost of Revenue	US$0
Gross Profit	US$23.32m
Other Expenses	US$18.29m
Earnings	US$5.03m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	5.09
Gross Margin	100.00%
Net Profit Margin	21.56%
Debt/Equity Ratio	22.9%

How did CZNL perform over the long term?

See historical performance and comparison

Dividends

2.2%

Current Dividend Yield

19%

Payout Ratio

Does CZNL pay a reliable dividends?

See CZNL dividend history and benchmarks

When do you need to buy CZNL by to receive an upcoming dividend?
Citizens National dividend dates
Ex Dividend Date	Dec 17 2024
Dividend Pay Date	Dec 31 2024
Days until Ex dividend	6 days
Days until Dividend pay date	8 days

Does CZNL pay a reliable dividends?

See CZNL dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 11:22
End of Day Share Price	2024/12/13 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Citizens National Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution