CZNL (Citizens National) Beginning Cash Position: $11.51 Mil (As of Dec. 2025)

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CZNL Citizens National Corp CZNL
45 GF Score
Price $89.83
GF Value $47.38
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Citizens National Beginning Cash Position?

Citizens National CZNL +1.63% 45 Beginning Cash Position is $11.51 Mil as of Dec. 2025. GuruFocus rates CZNL with a GF Score™ of 45/100 and a GF Value™ of $47.38 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Citizens National's Beginning Cash Position for the quarter that ended in Dec. 2025 was $11.51 Mil.

Citizens National's quarterly Beginning Cash Position declined from Dec. 2023 ($12.68 Mil) to Dec. 2024 ($10.73 Mil) but then increased from Dec. 2024 ($10.73 Mil) to Dec. 2025 ($11.51 Mil).

Citizens National's annual Beginning Cash Position declined from Dec. 2023 ($12.68 Mil) to Dec. 2024 ($10.73 Mil) but then increased from Dec. 2024 ($10.73 Mil) to Dec. 2025 ($11.51 Mil).

Citizens National Beginning Cash Position Related Terms

Citizens National Beginning Cash Position Historical Data

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The historical data trend for Citizens National's Beginning Cash Position can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citizens National Beginning Cash Position Chart

Citizens National Annual Data
Trend Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.64 14.99 12.68 10.73 11.51

Citizens National Semi-Annual Data
Dec92 Dec03 Dec04 Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.64 14.99 12.68 10.73 11.51
CZNL
45GF Score
Citizens National Corp CZNL
Beginning Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens National Beginning Cash Position Calculation

Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement.

What does a Beginning Cash Position of $11.51 Mil mean?
Citizens National (CZNL) has a Beginning Cash Position of $11.51 Mil as of Dec. 2025. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Citizens National and its competitors.
Is Citizens National's Beginning Cash Position too high?
Citizens National's current Beginning Cash Position is $11.51 Mil. Overall, Citizens National has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens National's Beginning Cash Position compare to JUVF and CPBI?
Citizens National's Beginning Cash Position of $11.51 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beginning Cash Position for a Banks company?
A good Beginning Cash Position depends on the Banks industry context. However, Beginning Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beginning Cash Position mean?
A high Beginning Cash Position can signal that a stock is expensive relative to its fundamentals. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Citizens National and its competitors. Citizens National's current Beginning Cash Position is $11.51 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens National stock overvalued right now?
Based on GuruFocus' analysis, Citizens National (CZNL) is currently considered Significantly Overvalued. The stock's GF Value™ is $47.38, compared to a current price of $89.83 — trading 89.6% above its estimated fair value. The current Beginning Cash Position is $11.51 Mil. Citizens National's overall GF Score™ is 45/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beginning Cash Position calculated?
Beginning Cash Position is calculated from a company's financial statements. For Citizens National (CZNL), the current Beginning Cash Position is $11.51 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citizens National (CZNL) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens National stock appears to be overvalued. The current stock price of $89.83 is trading 89.6% above its estimated GF Value™ of $47.38. GuruFocus considers Citizens National to be Significantly Overvalued.

Key valuation signals for CZNL:

  • Beginning Cash Position: $11.51 Mil
  • GF Value™: $47.38 vs. price of $89.83 (89.6% above fair value)
  • GF Score™: 45/100 with 5 warning signs

No single metric tells the full story. See the CZNL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Citizens National Business Description

Address 620 Broadway, Paintsville, KY, USA, 41240
Citizens National Corp provides banking services. The company provides all necessary banking services and products to its customers. Its deposit products are checking, savings, and term certificate accounts, and its lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from cash flow from the operations of businesses.
45GF Score

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Beginning Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$89.83
Price
$47.38
GF Value