1. United States of America Stocks

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    Financial Services

  3. •

    Banks - Regional
Citizens National Corporation

Citizens National Corporation

CZNL
Citizens National CorporationUS flagOther OTC
85.00
USD
- -
- -
83.04MMarket Cap
Citizens National Corporation
CZNL
(Other OTC)

Recent

price

85.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

1992
2003
2004
2005
2013
2014
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
- -
13.4
14.29
15.74
18.79
19.08
25.01
22.41
23.71
24.62
23.95
23.54
- -
16.1
Revenue per Share
0.75
2.78
3.02
3.78
3.18
4.8
6.13
4.67
5.38
6.1
5.08
4.75
- -
3.93
Basic EPS, GAAP
- -
3.55
4.39
4.45
5.31
5.82
7.33
4.48
6.87
6.3
5.57
8.89
- -
4.42
Free Cash Flow per Basic Share
- -
0.48
0.49
0.52
0.64
0.68
0.86
0.88
0.9
0.94
0.96
0.98
- -
- -
Dividend per Share
- -
23.88
26.63
30.09
47.92
51.69
71.76
75.48
80.48
85.53
89.4
93
- -
15.13
Book Value per Share
- -
21.56
24.09
26.57
33.18
38.92
58.14
63.98
66.96
44.1
52.67
52.7
- -
27.05
Tangible Book Value per Share
4
1
1
1
1
1
1
1
1
1
1
1
- -
1
Basic Weighted Avg Shares
- -
14
15
16
21
21
25
22
24
24
24
23
25
17
Sales/Revenue/Turnover
- -
27.13
28.71
31
- -
- -
- -
- -
- -
- -
- -
- -
- -
23
Operating Margin (%)
- -
1
1
1
1
3
1
1
1
1
1
1
1
- -
Depreciation Expense
3
3
3
4
4
5
6
5
5
6
5
5
6
4
Net Income, GAAP
- -
23.41
26.5
22.63
10.68
8.18
0.47
7.31
13.62
13.72
14.14
14.4
16.66
23.42
Effective Tax Rate (%)
- -
20.78
21.1
23.99
16.91
25.16
24.49
20.85
22.69
24.77
21.23
20.18
23.14
24.4
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
6
34
36
28
26
24
21
14
12
11
3
LT Debt
- -
26
29
31
53
60
75
80
83
60
68
68
81
31
Total Equity
- -
22.24
11.45
11.9
- -
- -
- -
- -
- -
- -
- -
- -
- -
8.19
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
23.31
11.89
13.26
8.41
9.6
9.51
6.33
6.87
7.34
5.8
5.2
6.07
27.31
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'05
Dec'05
Mar'13
ST Debt
- -
- -
3
LT Borrowings
4
6
3
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
- -
34
35

Working Capital

FRC

•

in mil. unless spec.
Sep'05
Dec'05
Mar'13
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
12
12
13
Accounts Receivable, Net
2
4
2
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
3
1
ST Debt
- -
- -
3
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.33%
1.65%
19.67%
Free Cash Flow
6.75%
10.73%
-36.94%
Net Income, GAAP
8.21%
5.06%
21.89%
Sales/Revenue/Turnover
5.71%
1.92%
6.27%
Total Cash Common Dividend
7.09%
2.05%
1.24%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
24
2024
- -
- -
- -
- -
23
2025
- -
- -
- -
- -
25

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
5.08
2024
- -
- -
- -
- -
4.75
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.96
2024
- -
- -
- -
- -
0.98
2025
- -
- -
- -
- -
- -
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Business
Citizens National Corporation operates as the bank holding company for Citizens Bank of Kentucky, a state-chartered member bank headquartered in Paintsville, Kentucky. Founded in 1909, the corporation provides a broad range of banking products and services primarily in Eastern Kentucky, United States. Its core offerings include checking and savings accounts; term certificates; individual retirement accounts; certificates of deposit; consumer loans; home equity loans; mortgage and real estate loans; business loans; residential mortgage, commercial, and installment loans. The company also delivers healthcare banking, online and mobile banking services; merchant services; remote deposit capture services; debit and credit cards; as well as cash management, treasury, and wealth management services. Recent company developments include ongoing strategic efforts to expand its service offerings and maintain strong regional presence, focusing on enhancing digital banking capabilities to better serve its customer base. Citizens National Corporation continues to emphasize customer service and community banking values while adapting to the evolving financial environment. It maintains a diverse portfolio targeting retail, business, and healthcare sectors in the regional market while sustaining solid financial health and operational stability. Citizens National Corporation employs approximately 165 staff and is led by President and CEO Leisha Maynard. The company remains wholly owned by its parent entity with no recent reported acquisitions or name changes within the last two years. It operates within the regional banking and financial services industry, serving individual consumers, small to medium-sized businesses, and healthcare clients across Eastern Kentucky. Overall, Citizens National Corporation focuses on community-oriented banking products and services, leveraging its long-established regional footprint with an emphasis on personalized customer service and digital innovation in banking. The corporation’s comprehensive product suite and stable financial position underpin its role as a significant regional financial institution in Kentucky. This description captures the company's main products, services, geographical focus, founding year, headquarters, and recent operational focus in service enhancement and digital banking.

Company News

APIChatGPT

  • gurufocus.com

    SHAREHOLDER ALERT: The M&A Class Action Firm Continues to Investigate the Merger--CZNL, NSA, CNBN, and ESQ

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    $HAREHOLDER ALERT: The M&A Class Action Launches Legal Inquiry for the Merger--CZNL, ESQ, GDOT, and SEM