Citizens National Corporation (CZNL) Fair Value & Analysis
Financial Services · US · Market cap $86.4M
Citizens National Corporation
CZNL · US
Fair value as of: Aug 4, 2026
From 22 valuation models · updated today
Share price +5.7% over the past month.
A solid business, but screening 15% overvalued on our models.
What matters now
- Solid but not exceptional quality (67/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year. As of Aug 4, 2026.
How to read this chart
60‑month range $35.44 – $89.83 · fair‑value band $56.97 – $94.95 · the $89.83 price screens above the $75.96 fair value. As of Aug 4, 2026.
Analysis
Citizens National Corporation (CZNL) currently trades at $89.83, while our model-based Fair Value estimate is $75.96, implying the stock looks roughly 15.4% overvalued today. We read business quality at 67/100 (solid 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).
Over the trailing twelve months, Citizens National Corporation generated revenue of $24.6M at a net margin of 23.2%. It earns a return on equity of 7.7%. The stock trades on a trailing P/E of 15.1. Fundamentals as of Aug 4, 2026
Our scenario range runs from $56.97 (bear case) to $94.95 (bull case); at $89.83, the current price sits within that range. The share trades near its 52-week high and 102% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -15%, CZNL screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 22 models by family
Widest divergence: Growth Earnings ($90.51) versus Earnings-Based ($25.47). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 4, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 50 · Market factors (momentum, volatility) 85
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Citizens National Corporation reported revenue of $33.5M in FY2025 versus $26.0M in FY2021, a compound +6.6%/yr. Reported net income was $5.7M in FY2025, compounding +1.6%/yr from FY2021.
CZNL screens 15% overvalued. Compare with PT Bank Central Asia Tbk →
Peer Group
Banks - Regional · 1100 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 4, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Price, fair value, quality and upside side by side.
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Frequently asked questions
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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.
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