CZNL (Citizens National) Payments of Debt: $-1.00 Mil (TTM As of Dec. 2025)

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CZNL Citizens National Corp CZNL
45 GF Score
Price $85.00
GF Value $47.37
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Citizens National Payments of Debt?

Citizens National CZNL 45 Payments of Debt is $-1.00 Mil as of Dec. 2025. GuruFocus rates CZNL with a GF Score™ of 45/100 and a GF Value™ of $47.37 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Citizens National's Payments of Debt for the six months ended in Dec. 2025 was $-1.00 Mil.

Citizens National's Payments of Debt for the trailing twelve months (TTM) ended in Dec. 2025 was $-1.00 Mil.

Citizens National Payments of Debt Related Terms

Citizens National Payments of Debt Historical Data

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The historical data trend for Citizens National's Payments of Debt 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 Payments of Debt Chart

Citizens National Annual Data
Trend Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Payments of Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 -2.00 -2.00 -1.00

Citizens National Semi-Annual Data
Dec92 Dec03 Dec04 Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Payments of Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 -2.00 -2.00 -1.00
CZNL
45GF Score
Citizens National Corp CZNL
Payments of Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens National Payments of Debt Calculation

Payments of Debt represents all the cash outflow from debt, including both long-term debt and short-term debt.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Payments of Debt for the trailing twelve months (TTM) ended in Dec. 2025 was $-1.00 Mil.

* 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 Payments of Debt →
What does a Payments of Debt of $-1.00 Mil mean?
Citizens National (CZNL) has a Payments of Debt of $-1.00 Mil as of Dec. 2025. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on Citizens National and its competitors.
Is Citizens National's Payments of Debt too high?
Citizens National's current Payments of Debt is $-1.00 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 Payments of Debt compare to RVCB and JUVF?
Citizens National's Payments of Debt of $-1.00 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 Payments of Debt for a Banks company?
A good Payments of Debt depends on the Banks industry context. However, Payments of Debt 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 Payments of Debt mean?
A high Payments of Debt can signal that a stock is expensive relative to its fundamentals. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on Citizens National and its competitors. Citizens National's current Payments of Debt is $-1.00 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 $47.37, compared to a current price of $85.00 — trading 79.4% above its estimated fair value. The current Payments of Debt is $-1.00 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 Payments of Debt calculated?
Payments of Debt is calculated from a company's financial statements. For Citizens National (CZNL), the current Payments of Debt is $-1.00 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 $85.00 is trading 79.4% above its estimated GF Value™ of $47.37. GuruFocus considers Citizens National to be Significantly Overvalued.

Key valuation signals for CZNL:

  • Payments of Debt: $-1.00 Mil
  • GF Value™: $47.37 vs. price of $85.00 (79.4% 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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Payments of Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$85.00
Price
$47.37
GF Value