CZNL (Citizens National) Cash per Share: $34.77 (As of Dec. 2025)

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CZNL Citizens National Corp CZNL
45 GF Score
Price $87.00
GF Value $47.42
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Citizens National Cash per Share?

Citizens National CZNL -1.14% 45 Cash per Share is $34.77 as of Dec. 2025. GuruFocus rates CZNL with a GF Score™ of 45/100 and a GF Value™ of $47.42 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Cash per Share is calculated as Balance Sheet Cash And Cash Equivalents divided by Shares Outstanding (EOP). Citizens National's Cash per Share for the quarter that ended in Dec. 2025 was $34.77.

Citizens National  (OTCPK:CZNL) Cash per Share Explanation

Cash per Share represents the liquidity of a compant's assets. A high level of Cash per Share suggests that there's enough money on hand for a company to cover any emergencies and that the company has adequate money to reinvest its business or pay dividends to investors. However, if the ratio is too high, it can also suggeust the inefficiency of management for not making a full usage of the cash.

Citizens National Cash per Share Related Terms

Citizens National Cash per Share Historical Data

* Premium members only.

The historical data trend for Citizens National's Cash per Share 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 Cash per Share Chart

Citizens National Annual Data
Trend Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cash per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 178.34 34.38 16.35 34.62 34.77

Citizens National Semi-Annual Data
Dec92 Dec03 Dec04 Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cash per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 178.34 34.38 16.35 34.62 34.77
CZNL
45GF Score
Citizens National Corp CZNL
Cash per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens National Cash per Share Calculation

This is the ratio of a company's available cash, including easy to liquidate short-term investment, to its total number of shares outstanding. The result indicates the percentage of a company's share price that is available to spend on company's activities, such as strengthening the business, paying down the debt and making dividend payment to shareholders. It's a reliable indicator of a company's financial health.

Citizens National's Cash per Share for the fiscal year that ended in Dec. 2025 is calculated as:

Cash per Share= Balance Sheet Cash And Cash Equivalents /Shares Outstanding (EOP)
=33.969/0.98
=34.77

Citizens National's Cash per Share for the quarter that ended in Dec. 2025 is calculated as:

Cash per Share= Balance Sheet Cash And Cash Equivalents /Shares Outstanding (EOP)
=33.969/0.98
=34.77

* 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.

Frequently Asked Questions Learn more about Cash per Share →
What does a Cash per Share of $34.77 mean?
Citizens National (CZNL) has a Cash per Share of $34.77 as of Dec. 2025. Cash per share is the per-share value of a company's available cash. View historical data for Citizens National and its competitors.
Is Citizens National's Cash per Share too high?
Citizens National's current Cash per Share is $34.77. 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 Cash per Share compare to KLIB and JUVF?
Citizens National's Cash per Share of $34.77 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 Cash per Share for a Banks company?
A good Cash per Share depends on the Banks industry context. However, Cash per Share 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 Cash per Share mean?
A high Cash per Share can signal that a stock is expensive relative to its fundamentals. Cash per share is the per-share value of a company's available cash. View historical data for Citizens National and its competitors. Citizens National's current Cash per Share is $34.77. 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 $47.42, compared to a current price of $87.00 — trading 83.5% above its estimated fair value. The current Cash per Share is $34.77. 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 Cash per Share calculated?
Cash per Share is calculated from a company's financial statements. For Citizens National (CZNL), the current Cash per Share is $34.77 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 $87.00 is trading 83.5% above its estimated GF Value™ of $47.42. GuruFocus considers Citizens National to be Significantly Overvalued.

Key valuation signals for CZNL:

  • Cash per Share: $34.77
  • GF Value™: $47.42 vs. price of $87.00 (83.5% 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

Get the complete analysis for CZNL

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

$87.00
Price
$47.42
GF Value