Citizens National Past Earnings Performance
Past criteria checks 1/6
Citizens National's earnings have been declining at an average annual rate of -0.3%, while the Banks industry saw earnings growing at 7.1% annually. Revenues have been growing at an average rate of 0.3% per year. Citizens National's return on equity is 7.4%, and it has net margins of 21.6%.
Key information
-0.3%
Earnings growth rate
0.2%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 0.3% |
| Return on equity | 7.4% |
| Net Margin | 21.6% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
No updates
Recent updates
No updates
Revenue & Expenses Breakdown
How Citizens National makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 23 | 5 | 13 | 0 |
| 31 Dec 22 | 24 | 6 | 13 | 0 |
| 31 Dec 21 | 24 | 5 | 13 | 0 |
| 31 Dec 20 | 22 | 5 | 12 | 0 |
| 31 Dec 19 | 24 | 6 | 13 | 0 |
| 31 Dec 18 | 24 | 5 | 13 | 0 |
| 31 Dec 15 | 21 | 4 | 12 | 0 |
| 31 Dec 14 | 21 | 5 | 12 | 0 |
| 31 Dec 13 | 21 | 4 | 12 | 0 |
Quality Earnings: CZNL has high quality earnings.
Growing Profit Margin: CZNL's current net profit margins (21.6%) are lower than last year (24.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CZNL's earnings have declined by 0.3% per year over the past 5 years.
Accelerating Growth: CZNL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CZNL had negative earnings growth (-17%) over the past year, making it difficult to compare to the Banks industry average (-12.2%).
Return on Equity
High ROE: CZNL's Return on Equity (7.4%) is considered low.