Citizens NationalCZNL 51 FCF Margin % is 22.40% as of Dec. 2025, which is 17% below its 10-year median of 26.91. 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. Among 1,505 Banks companies, Citizens National ranks worse than 55.75% on this metric.
The historical rank and industry rank for Citizens National's FCF Margin % or its related term are showing as below:
CZNL'
s FCF Margin % Range Over the Past 10 Years
Min: 20 Med: 26.91 Max: 37.75
Current: 22.4
During the past 13 years, the highest FCF Margin % of Citizens National was 37.75%. The lowest was 20.00%. And the median was 26.91%.
CZNL's FCF Margin % is ranked worse than 55.75% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs CZNL: 22.40
Citizens National FCF Margin % Related Terms
Citizens National FCF Margin % Historical Data
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The historical data trend for Citizens National's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens National's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Citizens National's FCF Margin % falls into.
* 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 FCF Margin % of 22.40% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citizens National and its competitors. This is 17% below median its historical median of 26.91. Over the past decade, Citizens National's FCF Margin % has ranged from 20.00 to 37.75. According to the industry distribution chart, Citizens National ranks #839 out of 1505 companies in the Banks industry, placing it in the top 55.7%.
Is Citizens National's FCF Margin % too high?
Citizens National's current FCF Margin % of 22.40% is 17% below median its 10-year median of 26.91. Over the past 10 years, this metric has ranged from a low of 20.00 to a high of 37.75. The Banks industry median FCF Margin % is 26.55. Citizens National's value of 22.40% is 15.6% below this industry median. Based on the distribution chart, Citizens National ranks #839 out of 1505 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to STLE and RVCB?
According to the Banks industry distribution chart, Citizens National ranks #839 out of 1505 companies for FCF Margin %. This places Citizens National in the lower half of its industry. The industry median FCF Margin % is 26.55. Citizens National's value of 22.40% is 15.6% below this benchmark. Historically, Citizens National's own FCF Margin % has ranged from 20.00 to 37.75 over the past decade. While the company's 10-year median is 26.91 vs. the industry median of 26.55, Citizens National has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens National's current FCF Margin % of 22.40% is 15.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citizens National and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens National's current FCF Margin % is 22.40%, which is 17% below median its own 10-year median of 26.91. 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 FCF Margin % is 22.40%, which is 17% below median its 10-year median of 26.91 and 15.6% below the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Citizens National (CZNL), the current FCF Margin % is 22.40% 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:
FCF Margin %: 22.40% (17% below median its 10-year median of 26.91)
GF Value™: $47.34 vs. price of $78.00 (64.8% above fair value)
Industry Position: 15.6% below the Banks median (#839 of 1505)
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.
51GF Score
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