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Citizens National Corporation CZNL

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85.00 USD 0.00 (+0.00%)

At closeNov 5, 2026, 4:00 PM EST

85.36 Day range 85.36
45.99 52-week range 89.86
YTD
+73.47%
1 year
+84.82%

Financial health

Altman Z-Score

0.26 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 8.4×
FY 2014: 7.8×FY 2015: 12.0×FY 2018: 11.7×FY 2019: 9.0×FY 2020: 9.5×FY 2021: 10.8×FY 2022: 7.7×FY 2023: 7.8×FY 2024: 9.7×FY 2025: 8.4×
FY 2014 5y median 8.4× FY 2025
P/S 1.4×
FY 2014: 1.7×FY 2015: 2.0×FY 2018: 2.6×FY 2019: 1.8×FY 2020: 1.6×FY 2021: 2.2×FY 2022: 1.7×FY 2023: 1.3×FY 2024: 1.4×FY 2025: 1.4×
FY 2014 5y median 1.4× FY 2025
P/B 0.6×
FY 2014: 0.7×FY 2015: 0.7×FY 2018: 0.9×FY 2019: 0.7×FY 2020: 0.6×FY 2021: 0.7×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 0.6×
FY 2014 5y median 0.7× FY 2025
P/FCF 8.7×
FY 2014: 6.4×FY 2015: 8.5×FY 2018: 9.0×FY 2019: 7.5×FY 2020: 9.9×FY 2021: 8.4×FY 2022: 7.5×FY 2023: 7.1×FY 2024: 5.2×FY 2025: 8.7×
FY 2014 5y median 7.5× FY 2025
EV/EBITDA 6.3×
FY 2014: 8.5×FY 2015: 3.1×FY 2018: 4.9×FY 2019: 10.4×FY 2020: -14.7×FY 2021: -13.1×FY 2022: 4.4×FY 2023: 5.4×FY 2024: 3.7×FY 2025: 6.3×
FY 2014 5y median 4.4× FY 2025
EV/Sales 1.5×
FY 2014: 3.0×FY 2015: 2.9×FY 2018: 3.8×FY 2019: 2.5×FY 2020: -3.4×FY 2021: -3.7×FY 2022: 1.3×FY 2023: 1.2×FY 2024: 0.7×FY 2025: 1.5×
FY 2014 5y median 1.2× FY 2025
FCF Yield 11.5%
FY 2014: 15.5%FY 2015: 11.8%FY 2018: 11.1%FY 2019: 13.3%FY 2020: 10.1%FY 2021: 11.8%FY 2022: 13.4%FY 2023: 14.0%FY 2024: 19.3%FY 2025: 11.5%
FY 2014 5y median 13.4% FY 2025

Profitability

Gross Margin 73.5%
FY 2014: 86.9%FY 2015: 100.0%FY 2018: 100.0%FY 2019: 83.3%FY 2020: 82.8%FY 2021: 90.8%FY 2022: 90.8%FY 2023: 78.2%FY 2024: 71.5%FY 2025: 73.5%
FY 2014 5y median 78.2% FY 2025
Operating Margin 20.4%
FY 2014: 23.8%FY 2015: 21.3%FY 2018: 25.9%FY 2019: 20.5%FY 2020: 18.6%FY 2021: 23.9%FY 2022: 26.1%FY 2023: 19.3%FY 2024: 16.9%FY 2025: 20.4%
FY 2014 5y median 20.4% FY 2025
Net Margin 17.0%
FY 2014: 21.9%FY 2015: 16.8%FY 2018: 22.1%FY 2019: 20.4%FY 2020: 17.3%FY 2021: 20.6%FY 2022: 22.5%FY 2023: 16.6%FY 2024: 14.4%FY 2025: 17.0%
FY 2014 5y median 17.0% FY 2025
ROE 7.1%
FY 2014: 9.0%FY 2015: 5.9%FY 2018: 7.8%FY 2019: 8.3%FY 2020: 5.9%FY 2021: 6.5%FY 2022: 10.2%FY 2023: 7.4%FY 2024: 6.9%FY 2025: 7.1%
FY 2014 5y median 7.1% FY 2025
ROIC 0.8%
FY 2014: 5.4%FY 2015: 0.7%FY 2018: 0.9%FY 2019: 1.2%FY 2020: 1.1%FY 2021: 1.2%FY 2022: 1.5%FY 2023: 1.1%FY 2024: 1.4%FY 2025: 0.8%
FY 2014 5y median 1.2% FY 2025
ROA 0.8%
FY 2014: 0.9%FY 2015: 0.6%FY 2018: 0.9%FY 2019: 0.9%FY 2020: 0.6%FY 2021: 0.7%FY 2022: 0.9%FY 2023: 0.8%FY 2024: 0.7%FY 2025: 0.8%
FY 2014 5y median 0.8% FY 2025

Growth (YoY)

Revenue 3.3%
FY 2014: -2.9%FY 2015: -12.8%FY 2018: 0.0%FY 2019: 29.2%FY 2020: -10.5%FY 2021: -4.4%FY 2022: 3.7%FY 2023: 12.3%FY 2024: 7.1%FY 2025: 3.3%
FY 2014 FY 2025
Operating Income 25.2%
FY 2014: 45.8%FY 2015: -22.0%FY 2018: 0.0%FY 2019: 2.2%FY 2020: -18.7%FY 2021: 22.5%FY 2022: 13.3%FY 2023: -16.6%FY 2024: -6.6%FY 2025: 25.2%
FY 2014 FY 2025
EPS (diluted) 22.9%
FY 2014: 50.9%FY 2015: -30.6%FY 2018: 0.0%FY 2019: 20.0%FY 2020: -23.8%FY 2021: 15.2%FY 2022: 13.4%FY 2023: -16.7%FY 2024: -6.5%FY 2025: 22.9%
FY 2014 FY 2025
Free Cash Flow -36.9%
FY 2014: 8.8%FY 2015: -21.9%FY 2018: 0.0%FY 2019: 9.4%FY 2020: -39.3%FY 2021: 52.0%FY 2022: -8.5%FY 2023: -12.0%FY 2024: 59.0%FY 2025: -36.9%
FY 2014 FY 2025

Financial Health

Current Ratio 8.5×
FY 2014: 0.1×FY 2015: 56.9×FY 2018: 10.0×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 8.5×
FY 2014 5y median 0.1× FY 2025
Quick Ratio 8.5×
FY 2014: 0.1×FY 2015: 56.9×FY 2018: 10.0×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 8.5×
FY 2014 5y median 0.1× FY 2025
Debt / Equity 0.2×
FY 2014: 0.7×FY 2015: 0.5×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2014 5y median 0.2× FY 2025
Net Debt / EBITDA 0.1×
FY 2014: 3.6×FY 2015: 0.9×FY 2018: 1.6×FY 2019: 2.9×FY 2020: -21.9×FY 2021: -20.9×FY 2022: -1.3×FY 2023: -0.3×FY 2024: -3.4×FY 2025: 0.1×
FY 2014 5y median -1.3× FY 2025
Interest Coverage 0.8×
FY 2014: 1.8×FY 2015: 0.0×FY 2018: 0.0×FY 2019: 1.2×FY 2020: 1.1×FY 2021: 2.6×FY 2022: 2.8×FY 2023: 0.9×FY 2024: 0.6×FY 2025: 0.8×
FY 2014 5y median 0.9× FY 2025

Dividends

Dividend Yield 2.0%
FY 2014: 1.8%FY 2015: 1.9%FY 2018: 1.4%FY 2019: 1.6%FY 2020: 2.0%FY 2021: 1.6%FY 2022: 2.0%FY 2023: 2.4%FY 2024: 2.1%FY 2025: 2.0%
FY 2014 5y median 2.0% FY 2025
Payout Ratio 17.1%
FY 2014: 14.1%FY 2015: 22.8%FY 2018: 16.4%FY 2019: 14.0%FY 2020: 18.8%FY 2021: 16.7%FY 2022: 15.4%FY 2023: 18.9%FY 2024: 20.6%FY 2025: 17.1%
FY 2014 5y median 17.1% FY 2025

Annual · latest fiscal year ends 2025-12-31