Citizens NationalCZNL 51 FCF Yield % is 7.25 as of Jun. 29, 2026, which is 44% below its 10-year median of 13.05. 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 1,507 Banks companies, Citizens National ranks worse than 54.28% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Citizens National FCF Yield % Related Terms
Citizens National FCF Yield % Historical Data
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The historical data trend for Citizens National's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens National's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Citizens National's FCF Yield % 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 Yield % of 7.25 as of Jun. 29, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Citizens National and its competitors. This is 44% below median its historical median of 13.05. Over the past decade, Citizens National's FCF Yield % has ranged from 5.88 to 21.04. According to the industry distribution chart, Citizens National ranks #818 out of 1507 companies in the Banks industry, placing it in the top 54.3%.
Is Citizens National's FCF Yield % too high?
Citizens National's current FCF Yield % of 7.25 is 44% below median its 10-year median of 13.05. Over the past 10 years, this metric has ranged from a low of 5.88 to a high of 21.04. The Banks industry median FCF Yield % is 8.14. Citizens National's value of 7.25 is 10.9% below this industry median. Based on the distribution chart, Citizens National ranks #818 out of 1507 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 Yield % compare to RVCB and JUVF?
According to the Banks industry distribution chart, Citizens National ranks #818 out of 1507 companies for FCF Yield %. This places Citizens National in the lower half of its industry. The industry median FCF Yield % is 8.14. Citizens National's value of 7.25 is 10.9% below this benchmark. Historically, Citizens National's own FCF Yield % has ranged from 5.88 to 21.04 over the past decade. While the company's 10-year median is 13.05 vs. the industry median of 8.14, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.14, based on 1,507 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens National's current FCF Yield % of 7.25 is 10.9% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Citizens National and its competitors. For the Banks industry, the median FCF Yield % is 8.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens National's current FCF Yield % is 7.25, which is 44% below median its own 10-year median of 13.05. 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 Yield % is 7.25, which is 44% below median its 10-year median of 13.05 and 10.9% below the Banks industry median of 8.14. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Citizens National (CZNL), the current FCF Yield % is 7.25 as of Jun. 29, 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 $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 Yield %: 7.25 (44% below median its 10-year median of 13.05)
GF Value™: $47.34 vs. price of $78.00 (64.8% above fair value)
Industry Position: 10.9% below the Banks median (#818 of 1507)
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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