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Citizens NationalCZNL 45 EV-to-FCF is 11.47 as of Jul. 30, 2026, which is 120% above its 10-year median of 5.21. 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. Among 1,191 Banks companies, Citizens National ranks worse than 64.32% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Citizens National's Enterprise Value is $63.38 Mil.
Citizens National's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5.53 Mil. Therefore, Citizens National's EV-to-FCF for today is 11.47.
The historical rank and industry rank for Citizens National's EV-to-FCF or its related term are showing as below:
CZNL'
s EV-to-FCF Range Over the Past 10 Years
Min: -22.19 Med: 5.21 Max: 17.54
Current: 11.47
During the past 13 years, the highest EV-to-FCF of Citizens National was 17.54. The lowest was -22.19. And the median was 5.21.
CZNL's EV-to-FCF is ranked worse than 64.32% of 1191
companies
in the Banks industry
Industry Median: 7.24
vs CZNL: 11.47
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Citizens National (OTCPK:CZNL) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Citizens National's PE Ratio (TTM) for today is calculated as:
Citizens National's share price for today is $88.39.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Citizens National's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.840.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Citizens National EV-to-FCF Related Terms
Citizens National EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Citizens National's EV-to-FCF 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.
For the Banks - Regional subindustry, Citizens National's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Citizens National's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Citizens National's EV-to-FCF falls into.
Citizens National's current Enterprise Value is $63.38 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Citizens National's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5.53 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.
Citizens National (CZNL) has a EV-to-FCF of 11.47 as of Jul. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citizens National and its competitors. This is 120% above median its historical median of 5.21. According to the industry distribution chart, Citizens National ranks #766 out of 1191 companies in the Banks industry, placing it in the top 64.3%.
Is Citizens National's EV-to-FCF too high?
Citizens National's current EV-to-FCF of 11.47 is 120% above median its 10-year median of 5.21. The Banks industry median EV-to-FCF is 7.24. Citizens National's value of 11.47 is 58.4% above this industry median. Based on the distribution chart, Citizens National ranks #766 out of 1191 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 EV-to-FCF compare to JUVF and CPBI?
According to the Banks industry distribution chart, Citizens National ranks #766 out of 1191 companies for EV-to-FCF. This places Citizens National in the lower half of its industry. The industry median EV-to-FCF is 7.24. Citizens National's value of 11.47 is 58.4% above this benchmark. While the company's 10-year median is 5.21 vs. the industry median of 7.24, Citizens National has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.24, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens National's current EV-to-FCF of 11.47 is 58.4% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citizens National and its competitors. For the Banks industry, the median EV-to-FCF is 7.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens National's current EV-to-FCF is 11.47, which is 120% above median its own 10-year median of 5.21. 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 $88.39 — trading 86.6% above its estimated fair value. The current EV-to-FCF is 11.47, which is 120% above median its 10-year median of 5.21 and 58.4% above the Banks industry median of 7.24. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Citizens National (CZNL), the current EV-to-FCF is 11.47 as of Jul. 30, 2026. 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 $88.39 is trading 86.6% above its estimated GF Value™ of $47.38.
GuruFocus considers Citizens National to be Significantly Overvalued.
Key valuation signals for CZNL:
EV-to-FCF: 11.47 (120% above median its 10-year median of 5.21)
GF Value™: $47.38 vs. price of $88.39 (86.6% above fair value)
Industry Position: 58.4% above the Banks median (#766 of 1191)
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
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