Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Citizens NationalCZNL 45 EPS without NRI is $5.84 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. Among 1,416 Banks companies, Citizens National ranks worse than 73.59% on this metric.
Citizens National's earnings per share without non-recurring items for the
six
months ended in Dec. 2025 was $5.84.
Its earnings 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 earnings per share (NRI) Growth Rate was 22.90% per year.
During the past 3 years, the average earnings per share (NRI) Growth Rate was -1.40% per year.
During the past 5 years, the average earnings per share (NRI) Growth Rate was 1.60% per year.
During the past 10 years, the average earnings per share (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 Earnings per share without Non-Recurring Items (NRI) data.
The historical rank and industry rank for Citizens National's EPS without NRI or its related term are showing as below:
CZNL'
s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -4.1 Med: 8.25 Max: 33.3
Current: -1.4
During the past 13 years, Citizens National's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 33.30% per year. The lowest was -4.10% per year. And the median was 8.25% per year.
CZNL's 3-Year EPS without NRI Growth Rate is ranked worse than 73.59% of 1416
companies
in the Banks industry
Industry Median: 7.25
vs CZNL: -1.40
Citizens National's EPS (Basic) for the
six
months ended in Dec. 2025 was $5.84.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.84.
Citizens National (OTCPK:CZNL) EPS without NRI Explanation
EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.
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 without NRI Related Terms
Citizens National EPS without NRI Historical Data
* Premium members only.
The historical data trend for Citizens National's EPS without NRI 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.
CZNL vs RVCB, JUVF, FBSI: EPS without NRI Comparison
For the Banks - Regional subindustry, Citizens National's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens National PE Ratio without NRI vs Banks Industry
For the Banks industry and Financial Services sector, Citizens National's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where Citizens National's PE Ratio without NRI falls into.
Earnings Per Share (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.
Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.
For stock reported annually, GuruFocus uses latest annual data as the TTM data. EPS without NRI 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.
Citizens National (CZNL) has a EPS without NRI of $5.84 as of Dec. 2025. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Citizens National and its competitors. According to the industry distribution chart, Citizens National ranks #1042 out of 1416 companies in the Banks industry, placing it in the top 73.6%.
Is Citizens National's EPS without NRI too high?
Citizens National's current EPS without NRI is $5.84. The Banks industry median EPS without NRI is 7.25. Citizens National's value of $5.84 is 19.4% below this industry median. Based on the distribution chart, Citizens National ranks #1042 out of 1416 companies in the Banks industry, which is below the industry midpoint. 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 EPS without NRI compare to RVCB and JUVF?
According to the Banks industry distribution chart, Citizens National ranks #1042 out of 1416 companies for EPS without NRI. This places Citizens National in the lower half of its industry. The industry median EPS without NRI is 7.25. Citizens National's value of $5.84 is 19.4% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Banks company?
The median EPS without NRI among Banks companies is 7.25, based on 1,416 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens National's current EPS without NRI of $5.84 is 19.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Citizens National and its competitors. For the Banks industry, the median EPS without NRI is 7.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens National's current EPS without NRI 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 $47.37, compared to a current price of $85.00 — trading 79.4% above its estimated fair value. The current EPS without NRI is $5.84 and 19.4% below the Banks industry median of 7.25. 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 EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For Citizens National (CZNL), the current EPS without NRI 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 $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:
EPS without NRI: $5.84
GF Value™: $47.37 vs. price of $85.00 (79.4% above fair value)
Industry Position: 19.4% below the Banks median (#1042 of 1416)
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 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
EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CZNL has been successfully added to your 
