Financial Services
Citizens National Corp.(CZNL)
Live Price
Offline$78.00
+0.00% today
1Y Change
+84.66%
Window
Jun 26, 2025 → Jun 23, 2026
- Market Cap
- $80.00M
- Revenue Growth
- +3.3%
- EPS Growth
- +22.9%
- Dividend Yield
- 1.3%
Coverage: 244 bars · Jun 26, 2025 → Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Citizens National Corp. (CZNL) is a Financial Services stock with a market cap of $80.00M and listed on OTC. The stock last traded around $78.00 and up 84.7% across the available one-year price window (Jun 26, 2025 → Jun 23, 2026). Baseline metrics include revenue growth of +3.3%, EPS growth of +22.9%, a dividend yield of 1.3%. What stands out right now is revenue +3.3%, EPS +22.9%, free cash flow -36.9% with operating margin 20.4% and ROIC 0.8%. The dividend is present but secondary, with a yield around 1.3%. Valuation is more restrained than many high-expectation growth names at P/E 13.2 and price/sales 2.3. Stock Foundry combines CZNL price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+3.3% vs +3.4% peer median
Operating Margin
Above sector median
+20.4% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
The operating story is still moving forward
Revenue is running at +3.3% and EPS at +22.9%, with operating margin around 20.4%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 1.3%, which matters if the thesis depends on income as much as growth.
Benchmark Edge
CZNL vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CZNL
—
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CZNL Max Drawdown
-0.48%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CZNL and SPY.
Company Overview
Citizens National Corp.
OTC
Citizens National Corporation is a financial holding company that owns Citizens Bank of Kentucky, a state-chartered member bank headquartered in Paintsville, Kentucky. Established in 1982, the corporation provides a comprehensive suite of banking services through its subsidiary, including checking and savings accounts for both individuals and businesses, as well as consumer and personal loans, credit cards, and additional financial products. Citizens National Corporation primarily serves the local and regional community, supporting personal and business banking needs. Its operations contribute to the broader finance sector, with a particular focus on community banking. The company is notable for its stable financial performance, supported by consistent revenue streams and a community-oriented business model. By offering essential financial services, Citizens National Corporation plays a vital role in supporting economic activity and financial accessibility in its service area.
- Leadership
- Ms. Leisha Maynard CPA
- Street Address
- 620 Broadway
- Mailing
- Paintsville, KY, 41240
- Region
- Paintsville, KY, United States
- Last Updated
- May 11, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 13.2
- EV/EBITDA
- 10.0
- Price/Sales
- 2.3
- Price/Book
- 0.9
Growth
- Revenue
- +3.3%
- EPS
- +22.9%
- Free Cash Flow
- -36.9%
Profitability
- Gross Margin
- 73.5%
- Operating Margin
- 20.4%
- Net Margin
- 17.0%
- ROE
- 7.7%
- ROIC
- 0.8%
Balance Sheet
- Debt/Equity
- 0.16
- Current Ratio
- 8.54
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.