CZNL (Citizens National) EPS (Basic): $5.84 (TTM As of Dec. 2025)


CZNL Citizens National Corp CZNL
51 GF Score
Price $78.00
GF Value $47.34
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Citizens National EPS (Basic)?

Citizens National CZNL 51 EPS (Basic) is $5.84 as of Dec. 2025. GuruFocus rates CZNL with a GF Score™ of 51/100 and a GF Value™ of $47.34 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Citizens National's basic earnings per share (Basic EPS) for the six months ended in Dec. 2025 was $5.84. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.84.

Citizens National's EPS (Diluted) for the six months ended in Dec. 2025 was $5.84. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.84.

Citizens National's EPS without NRI for the six months ended in Dec. 2025 was $5.84. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was 5.84.

During the past 12 months, Citizens National's average EPS without NRIGrowth Rate was 22.90% per year. During the past 3 years, the average EPS without NRI Growth Rate was -1.40% per year. During the past 5 years, the average EPS without NRI Growth Rate was 1.60% per year. During the past 10 years, the average EPS without NRI Growth Rate was 7.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, Citizens National's highest 3-Year average EPS without NRI Growth Rate was 33.30% per year. The lowest was -4.10% per year. And the median was 8.25% per year.

Citizens National  (OTCPK:CZNL) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Citizens National EPS (Basic) Related Terms

Citizens National EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Citizens National's EPS (Basic) 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 EPS (Basic) Chart

Citizens National Annual Data
Trend Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.38 6.10 5.08 4.75 5.84

Citizens National Semi-Annual Data
Dec92 Dec03 Dec04 Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.38 6.10 5.08 4.75 5.84
CZNL
51GF Score
Citizens National Corp CZNL
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens National EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Citizens National's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(5.708-0)/0.977
=5.84

Citizens National's Basic EPS for the quarter that ended in Dec. 2025 is calculated as

Basic EPS (Q: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(5.708-0)/0.977
=5.84

For stock reported annually, GuruFocus uses latest annual data as the TTM data. EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.84

* 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 EPS (Basic) →
What does a EPS (Basic) of $5.84 mean?
Citizens National (CZNL) has a EPS (Basic) of $5.84 as of Dec. 2025. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Citizens National and its competitors.
Is Citizens National's EPS (Basic) too high?
Citizens National's current EPS (Basic) is $5.84. Overall, Citizens National has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens National's EPS (Basic) compare to STLE and RVCB?
Citizens National's EPS (Basic) of $5.84 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Citizens National and its competitors. Citizens National's current EPS (Basic) is $5.84. 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 $47.34, compared to a current price of $78.00 — trading 64.8% above its estimated fair value. The current EPS (Basic) is $5.84. Citizens National's overall GF Score™ is 51/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Citizens National (CZNL), the current EPS (Basic) is $5.84 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 $78.00 is trading 64.8% above its estimated GF Value™ of $47.34. GuruFocus considers Citizens National to be Significantly Overvalued.

Key valuation signals for CZNL:

  • EPS (Basic): $5.84
  • GF Value™: $47.34 vs. price of $78.00 (64.8% above fair value)
  • GF Score™: 51/100 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.
51GF Score

Get the complete analysis for CZNL

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$78.00
Price
$47.34
GF Value