OTCPK:CZNL

Stock Analysis Report

Executive Summary

Citizens National Corporation operates as the bank holding company for Citizens Bank of Kentucky that provides various financial services to individuals and businesses in the United States.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • Citizens National's last earnings update was 1255 days ago.
  • Citizens National is not covered by any analysts.

Share Price & News

How has Citizens National's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

n/a

OTCPK:CZNL

3.3%

US Banks

2.1%

US Market


1 Year Return

n/a

OTCPK:CZNL

-13.8%

US Banks

-0.04%

US Market

No trading data on CZNL.

No trading data on CZNL.


Share holder returns

CZNLIndustryMarket
7 Dayn/a3.3%2.1%
30 Dayn/a-7.0%-3.2%
90 Dayn/a-2.3%2.8%
1 Yearn/a-11.3%-13.8%2.2%-0.04%
3 Yearn/a42.5%32.7%41.5%32.3%
5 Year70.4%56.8%54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Citizens National's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Citizens National undervalued based on future cash flows and its price relative to the stock market?


Intrinsic Value Based on Future Cash Flows

Citizens National's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Citizens National's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Unable to compare the PE ratio to the industry average as no data exists.

Unable to calculate PE ratio for Citizens National, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Citizens National, we can't assess if its growth is good value.


Price Based on Value of Assets

Unable to compare the PB ratio to the industry average as no data exists.


Next Steps

Future Growth

How is Citizens National expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Citizens National has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of CZNL’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Citizens National's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Citizens National performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Citizens National has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Citizens National's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Citizens National's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Citizens National has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of CZNL’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Citizens National's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Citizens National's current dividend yield, its reliability and sustainability?

1.43%

Current Dividend Yield


Dividend Yield and Payments Analysis

Citizens National's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Citizens National's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Whilst dividend payments have been stable, Citizens National has been paying a dividend for less than 10 years.

Dividend payments have increased, but Citizens National only paid a dividend in the past 6 years.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Citizens National has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Citizens National's salary, the management and board of directors tenure and is there insider trading?

20.0yrs

Average board tenure


CEO

Leisha Maynard 0

0.0yrs

Tenure

0

Leisha Maynard serves as President and CEO of Citizens Bank of Kentucky (the “Bank”) since January 2017. She earned her Master’s in Business Administration from the University of Kentucky in 1996. She came ...


Board Age and Tenure

20.0yrs

Average Tenure

The average tenure for the Citizens National board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Wm. Michael

    Executive VP

    • Tenure: 0.0yrs
  • Lee Wilson

    Executive VP & Chief Credit Officer

    • Tenure: 0.0yrs
  • Kathy Kinner

    Senior VP & Head of Human Resources

    • Tenure: 0.0yrs
  • Rose Wheeler

    Executive VP & Chief Information Officer

    • Tenure: 0.0yrs
  • Darren Gillespie

    Senior VP & Chief Lending Officer of Citizens Bank of Kentucky

    • Tenure: 0.0yrs
  • Leisha Maynard

    President & CEO

    • Tenure: 0.0yrs
  • Sharon Collins

    Corporate Secretary

    • Tenure: 0.0yrs
  • Patty Adams

    Senior VP of Branch Operations - Citizens National Bank

    • Tenure: 1.6yrs

Board Members

  • Greg Meade

    Chairman of the Board

    • Tenure: 14.6yrs
  • Paul Brown

    Director

    • Tenure: 11.6yrs
  • G. Conley

    Director

    • Tenure: 27.0yrs
  • Robin Cooper

    Director

    • Tenure: 36.3yrs
  • Bob Hutchison (65yo)

    Director

    • Tenure: 28.3yrs
  • Lynn Mullins

    Director

    • Tenure: 25.3yrs
  • Butch Walker

    Director

    • Tenure: 14.6yrs
  • Lisa Johnson

    Director and Director of Citizens National Bank

    • Tenure: 5.3yrs

Company Information

Citizens National Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Citizens National Corporation
  • Ticker: CZNL
  • Exchange: OTCPK
  • Founded: 1909
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$55.763m
  • Shares outstanding: 1.05m
  • Website: https://www.wercitizens.bank

Location

  • Citizens National Corporation
  • 620 Broadway Street
  • Paintsville
  • Kentucky
  • 41240
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CZNLOTCPK (Pink Sheets LLC)YesCommon StockUSUSDNov 2000

Biography

Citizens National Corporation operates as the bank holding company for Citizens Bank of Kentucky that provides various financial services to individuals and businesses in the United States. It accepts vari ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 23:34
End of Day Share Price2019/08/19 00:00
Earnings2015/12/31
Annual Earnings2015/12/31


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.