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Citizens National Bancshares of Bossier, Inc (CNBL) Fair Value & Analysis

Financial Services · US · Market cap $164M

Price$18.00
Fair Value$14.53
Upside-19.3%
Quality95/100
Evidence: High Range $10.90 – $18.17

Fair value as of: Jun 26, 2026

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Analysis

Citizens National Bancshares of Bossier, Inc (CNBL) currently trades at $18.00, while our model-based Fair Value estimate is $14.53 — implying the stock looks roughly 19.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Citizens National Bancshares of Bossier, Inc. operates as the bank holding company for Citizens National Bank that provides personal and business banking services. It offers checking, savings, and individual retirement accounts, as well as certificates of deposit. The company also provides personal loans, such as vacation loans, lines of credit, home equity loans, home construction loans, and loans for various other consumer purposes, as well as auto, boat, trailer, motorcycle, and ATV loans; and business loans, such as construction loans, real estate, industrial, small business administration, and United States Department of Agriculture loans, as well as mortgage loans. In addition, it offers investment services, including financial planning, structured products, retirement planning, education planning, estate planning, asset management, trust, small business investment, employer benefits planning, and other services; and merchant services, credit cards, and online and mobile banki…

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Frequently asked questions

Is Citizens National Bancshares of Bossier, Inc (CNBL) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $14.53 versus a price of $18.00 — about −19% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CNBL?
Our 21-model fair value for Citizens National Bancshares of Bossier, Inc is $14.53 (as of Jun 26, 2026), built from audited fundamentals. The current price is $18.00.
What is the quality score of CNBL?
Citizens National Bancshares of Bossier, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.