_id
691058ccccc777a4e85d5715
Ticker
CZNL
Name
Citizens National Corporation
Exchange
PINK
Address
620 Broadway, Paintsville, KY, United States, 41240
Country
USA
Sector
Financial Services
Industry
Banks - Regional
Currency
USD
Website
https://www.wercitizens.bank
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 checking and savings accounts, term certificate, individual retirement accounts, and certificates of deposits; consumer, home equity, mortgage/real estate, and business loans, as well as residential mortgage, commercial, and installment 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.
Last Close
49
Volume
-
Current Price
49
Change
0
Last Updated
2025-11-29T12:06:24.839Z
Image
-
Ipo Date
-
Market Cap
48417684
Next Dividend Date
-
Dividend Frequency
-
Dividend Rate
-
Dividend Yield
0
Sentiment
-
Sentiment Sources
0
Current Quarter
2006-03-31
Revenue
6090000
Cost Of Revenue
1934000
Gross Profit
4156000
Operating Expenses
2710000
Operating Income
1446000
Interest Expense
1851000
Pretax Income
1446000
Net Income
1063000
Eps
1.0280464216634428
Dividends Per Share
-
Shares Outstanding
977216
Income Tax Expense
383000
EBITDA
1446000
Operating Margin
23.74384236453202
Total Other Income Expense Net
-1851000
Cash
13123000
Short Term Investments
-
Receivables
1702000
Inventories
-
Total Current Assets
14825000
Property Plant Equipment
6941000
Total Assets
364174000
Payables
520000
Short Term Debt
3000000
Long Term Debt
-
Total Liabilities
332773000
Equity
31401000
Depreciation
-
Change In Working Capital
-
Cash From Operations
-
Capital Expenditures
0
Cash From Investing
-
Cash From Financing
-
Net Change In Cash
-
PE
10.3158
PB
1.6135154931371614
ROE
3.385242508200376
ROA
0.29189343555553116
FCF
-
Fcf Percent
-
Piotroski FScore
2
Health Score
42
Deep Value Investing Score
4.5
Defensive Investing Score
7
Dividend Investing Score
1.5
Economic Moat Investing Score
5.8
Garp Investing Score
3.5
Growth Investing Score
2.5
Momentum Investing Score
4
Net Net Investing Score
3
Quality Investing Score
3
Value Investing Score
5.5
Quarters > 0 > quarter
2006-03-31
Quarters > 0 > income Statement > revenue
6090000
Quarters > 0 > income Statement > cost Of Revenue
1934000
Quarters > 0 > income Statement > gross Profit
4156000
Quarters > 0 > income Statement > operating Expenses
2710000
Quarters > 0 > income Statement > operating Income
1446000
Quarters > 0 > income Statement > interest Expense
1851000
Quarters > 0 > income Statement > pretax Income
1446000
Quarters > 0 > income Statement > net Income
1063000
Quarters > 0 > income Statement > eps
1.0280464216634428
Quarters > 0 > income Statement > dividends Per Share
-
Quarters > 0 > income Statement > shares Outstanding
1034000
Quarters > 0 > income Statement > income Tax Expense
383000
Quarters > 0 > income Statement > EBITDA
1446000
Quarters > 0 > income Statement > operating Margin
23.74384236453202
Quarters > 0 > income Statement > total Other Income Expense Net
-1851000
Quarters > 0 > balance Sheet > cash
13123000
Quarters > 0 > balance Sheet > short Term Investments
-
Quarters > 0 > balance Sheet > receivables
1702000
Quarters > 0 > balance Sheet > inventories
-
Quarters > 0 > balance Sheet > total Current Assets
14825000
Quarters > 0 > balance Sheet > property Plant Equipment
6941000
Quarters > 0 > balance Sheet > total Assets
364174000
Quarters > 0 > balance Sheet > payables
520000
Quarters > 0 > balance Sheet > short Term Debt
3000000
Quarters > 0 > balance Sheet > long Term Debt
-
Quarters > 0 > balance Sheet > total Liabilities
332773000
Quarters > 0 > balance Sheet > equity
31401000
Quarters > 0 > cash Flow > net Income
1063000
Quarters > 0 > cash Flow > depreciation
-
Quarters > 0 > cash Flow > change In Working Capital
-
Quarters > 0 > cash Flow > cash From Operations
-
Quarters > 0 > cash Flow > capital Expenditures
0
Quarters > 0 > cash Flow > cash From Investing
-
Quarters > 0 > cash Flow > cash From Financing
-
Quarters > 0 > cash Flow > net Change In Cash
-
Quarters > 0 > ratios > PE
1.0280464216634428
Quarters > 0 > ratios > PB
1.6135154931371614
Quarters > 0 > ratios > ROE
3.385242508200376
Quarters > 0 > ratios > ROA
0.29189343555553116
Quarters > 0 > ratios > FCF
-
Quarters > 0 > ratios > Piotroski FScore
2
Quarters > 0 > ratios > fcf Percent
-
Quarters > 0 > health Score
42
Quarters > 1 > quarter
2005-12-31
Quarters > 1 > income Statement > revenue
5913000
Quarters > 1 > income Statement > cost Of Revenue
1854000
Quarters > 1 > income Statement > gross Profit
4059000
Quarters > 1 > income Statement > operating Expenses
2892000
Quarters > 1 > income Statement > operating Income
1167000
Quarters > 1 > income Statement > interest Expense
1694000
Quarters > 1 > income Statement > pretax Income
1167000
Quarters > 1 > income Statement > net Income
915000
Quarters > 1 > income Statement > eps
0.9113545816733067
Quarters > 1 > income Statement > dividends Per Share
-
Quarters > 1 > income Statement > shares Outstanding
1004000
Quarters > 1 > income Statement > income Tax Expense
252000
Quarters > 1 > income Statement > EBITDA
1167000
Quarters > 1 > income Statement > operating Margin
19.736174530695077
Quarters > 1 > income Statement > total Other Income Expense Net
-1694000
Quarters > 1 > balance Sheet > cash
11857000
Quarters > 1 > balance Sheet > short Term Investments
-
Quarters > 1 > balance Sheet > receivables
3835000
Quarters > 1 > balance Sheet > inventories
-
Quarters > 1 > balance Sheet > total Current Assets
15692000
Quarters > 1 > balance Sheet > property Plant Equipment
6796000
Quarters > 1 > balance Sheet > total Assets
355681000
Quarters > 1 > balance Sheet > payables
3079000
Quarters > 1 > balance Sheet > short Term Debt
-
Quarters > 1 > balance Sheet > long Term Debt
-
Quarters > 1 > balance Sheet > total Liabilities
324916000
Quarters > 1 > balance Sheet > equity
30765000
Quarters > 1 > cash Flow > net Income
915000
Quarters > 1 > cash Flow > depreciation
-
Quarters > 1 > cash Flow > change In Working Capital
-
Quarters > 1 > cash Flow > cash From Operations
4598000
Quarters > 1 > cash Flow > capital Expenditures
0
Quarters > 1 > cash Flow > cash From Investing
-23361000
Quarters > 1 > cash Flow > cash From Financing
13863000
Quarters > 1 > cash Flow > net Change In Cash
-4900000
Quarters > 1 > ratios > PE
0.9113545816733067
Quarters > 1 > ratios > PB
1.599089874857793
Quarters > 1 > ratios > ROE
2.9741589468551926
Quarters > 1 > ratios > ROA
0.2572529879301959
Quarters > 1 > ratios > FCF
4598000
Quarters > 1 > ratios > Piotroski FScore
4
Quarters > 1 > ratios > fcf Percent
0.7776086588871977
Quarters > 1 > health Score
54
Quarters > 2 > quarter
2005-09-30
Quarters > 2 > income Statement > revenue
5704000
Quarters > 2 > income Statement > cost Of Revenue
1500000
Quarters > 2 > income Statement > gross Profit
4204000
Quarters > 2 > income Statement > operating Expenses
2720000
Quarters > 2 > income Statement > operating Income
1484000
Quarters > 2 > income Statement > interest Expense
1440000
Quarters > 2 > income Statement > pretax Income
1484000
Quarters > 2 > income Statement > net Income
1144000
Quarters > 2 > income Statement > eps
1.0957854406130267
Quarters > 2 > income Statement > dividends Per Share
-
Quarters > 2 > income Statement > shares Outstanding
1044000
Quarters > 2 > income Statement > income Tax Expense
340000
Quarters > 2 > income Statement > EBITDA
1484000
Quarters > 2 > income Statement > operating Margin
26.016830294530152
Quarters > 2 > income Statement > total Other Income Expense Net
1484000
Quarters > 2 > balance Sheet > cash
11867000
Quarters > 2 > balance Sheet > short Term Investments
-
Quarters > 2 > balance Sheet > receivables
1532000
Quarters > 2 > balance Sheet > inventories
-
Quarters > 2 > balance Sheet > total Current Assets
13399000
Quarters > 2 > balance Sheet > property Plant Equipment
6712000
Quarters > 2 > balance Sheet > total Assets
345311000
Quarters > 2 > balance Sheet > payables
417000
Quarters > 2 > balance Sheet > short Term Debt
30000
Quarters > 2 > balance Sheet > long Term Debt
-
Quarters > 2 > balance Sheet > total Liabilities
315070000
Quarters > 2 > balance Sheet > equity
30241000
Quarters > 2 > cash Flow > net Income
-
Quarters > 2 > cash Flow > depreciation
-
Quarters > 2 > cash Flow > change In Working Capital
-
Quarters > 2 > cash Flow > cash From Operations
-
Quarters > 2 > cash Flow > capital Expenditures
-
Quarters > 2 > cash Flow > cash From Investing
-
Quarters > 2 > cash Flow > cash From Financing
-
Quarters > 2 > cash Flow > net Change In Cash
-
Quarters > 2 > ratios > PE
1.0957854406130267
Quarters > 2 > ratios > PB
1.6916107271584935
Quarters > 2 > ratios > ROE
3.7829436857246783
Quarters > 2 > ratios > ROA
0.3312955567589796
Quarters > 2 > ratios > FCF
-
Quarters > 2 > ratios > Piotroski FScore
2
Quarters > 2 > ratios > fcf Percent
-
Quarters > 2 > health Score
42
Quarters > 3 > quarter
2005-06-30
Quarters > 3 > income Statement > revenue
5309000
Quarters > 3 > income Statement > cost Of Revenue
1322000
Quarters > 3 > income Statement > gross Profit
3987000
Quarters > 3 > income Statement > operating Expenses
2746000
Quarters > 3 > income Statement > operating Income
1241000
Quarters > 3 > income Statement > interest Expense
1277000
Quarters > 3 > income Statement > pretax Income
1241000
Quarters > 3 > income Statement > net Income
966000
Quarters > 3 > income Statement > eps
0.9252873563218391
Quarters > 3 > income Statement > dividends Per Share
-
Quarters > 3 > income Statement > shares Outstanding
1044000
Quarters > 3 > income Statement > income Tax Expense
275000
Quarters > 3 > income Statement > EBITDA
1241000
Quarters > 3 > income Statement > operating Margin
23.375400263703145
Quarters > 3 > income Statement > total Other Income Expense Net
-1277000
Quarters > 3 > balance Sheet > cash
14460000
Quarters > 3 > balance Sheet > short Term Investments
-
Quarters > 3 > balance Sheet > receivables
1735000
Quarters > 3 > balance Sheet > inventories
-
Quarters > 3 > balance Sheet > total Current Assets
16195000
Quarters > 3 > balance Sheet > property Plant Equipment
6762000
Quarters > 3 > balance Sheet > total Assets
344104000
Quarters > 3 > balance Sheet > payables
463000
Quarters > 3 > balance Sheet > short Term Debt
-
Quarters > 3 > balance Sheet > long Term Debt
-
Quarters > 3 > balance Sheet > total Liabilities
314628000
Quarters > 3 > balance Sheet > equity
29476000
Quarters > 3 > cash Flow > net Income
966000
Quarters > 3 > cash Flow > depreciation
-
Quarters > 3 > cash Flow > change In Working Capital
-
Quarters > 3 > cash Flow > cash From Operations
-
Quarters > 3 > cash Flow > capital Expenditures
0
Quarters > 3 > cash Flow > cash From Investing
-
Quarters > 3 > cash Flow > cash From Financing
-
Quarters > 3 > cash Flow > net Change In Cash
-
Quarters > 3 > ratios > PE
0.9252873563218391
Quarters > 3 > ratios > PB
1.7355136382141403
Quarters > 3 > ratios > ROE
3.2772425023748135
Quarters > 3 > ratios > ROA
0.2807290819054704
Quarters > 3 > ratios > FCF
-
Quarters > 3 > ratios > Piotroski FScore
2
Quarters > 3 > ratios > fcf Percent
-
Quarters > 3 > health Score
42
Valuation > metrics > PE
10.3158
Valuation > metrics > PB
1.6135154931371614
Valuation > final Score
100
Valuation > verdict
Fair
Profitability > metrics > ROE
3.385242508200376
Profitability > metrics > ROA
7.170320404721754
Profitability > metrics > Net Margin
0.17454844006568143
Profitability > final Score
54
Profitability > verdict
Weak
Risk > metrics > Debt Equity
10.597528741122893
Risk > metrics > Interest Coverage
0.7811993517017828
Risk > final Score
9
Risk > verdict
High
Liquidity > metrics > Current Ratio
4.2116477272727275
Liquidity > metrics > Quick Ratio
4.2116477272727275
Liquidity > final Score
100
Liquidity > verdict
Great
Prev Valuations > 0
100
Prev Valuations > 1
100
Prev Valuations > 2
100
Prev Profitabilities > 0
47
Prev Profitabilities > 1
63
Prev Profitabilities > 2
52
Prev Risks > 0
9
Prev Risks > 1
10
Prev Risks > 2
10
Prev Liquidities > 0
100
Prev Liquidities > 1
100
Prev Liquidities > 2
100
Updated At
2026-01-20T21:41:43.216Z
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 checking and savings accounts, term certificate, individual retirement accounts, and certificates of deposits; consumer, home equity, mortgage/real estate, and business loans, as well as residential mortgage, commercial, and installment 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.
Stock Price
$0.00
decrease compared to yesterday.
Dividend
Frequency:
Rate:
N/ANext Payout:
N/A(Last Updated 2006-03-31)
Health Score
Price to Earnings Ratio (P/E)
-
Very High
Low ≥ 50
High ≤ 10
Price to Book Ratio (P/B)
-
Low
Low ≤ 1
High ≥ 3
Return on Equity (ROE)
-
Very Low
Low ≤ 5%
High ≥ 25%
Return on Assets (ROA)
-
Very Low
Low ≤ 2%
High ≥ 10%
Debt to Equity
-
Very Low
Low ≥ 1
High ≤ 0.3
* Institutions hold a combined 0.00% of the total shares of Citizens National Corporation
* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.
No earnings data available.
(Last Updated 2006-03-31)
(Last Updated 2006-03-31)
Revenue
$ 0
Cost Of Revenue
$ 0
Gross Profit
$ 0
Operating Expenses
$ 0
Operating Income
$ 0
Interest Expense
$ 0
Pretax Income
$ 0
Net Income
$ 0
Income Tax Expense
$ 0
EBITDA
$ 0
Total Other Income Expense Net
$ 0
Earnings Per Share
0
Dividends Per Share
0
Shares Outstanding
0
Operating Margin
0%
(Last Updated 2006-03-31)
Cash
$ 0
Short Term Investments
$ 0
Receivables
$ 0
Inventories
$ 0
Total Current Assets
$ 0
Property Plant Equipment
$ 0
Total Assets
$ 0
Payables
$ 0
Short Term Debt
$ 0
Long Term Debt
$ 0
Total Liabilities
$ 0
Equity
$ 0
(Last Updated 2006-03-31)
Net Income
$ 0
Depreciation
$ 0
Change In Working Capital
$ 0
Cash From Operations
$ 0
Capital Expenditures
$ 0
Cash From Investing
$ 0
Cash From Financing
$ 0
Net Change In Cash
$ 0
Disclaimer: Finnton is a stock screener tool provided for informational and educational purposes only. The data, analysis, and insights offered on this website do not constitute financial, investment, tax, or legal advice. Users are solely responsible for their own investment decisions, and Finnton makes no guarantees regarding the accuracy, completeness, or reliability of the information provided. Past performance is not indicative of future results. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.