CZNL (Citizens National) LT-Debt-to-Total-Asset: 0.02 (As of Dec. 2025)


CZNL Citizens National Corp CZNL
45 GF Score
Price $84.98
GF Value $47.35
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Citizens National LT-Debt-to-Total-Asset?

Citizens National CZNL 45 LT-Debt-to-Total-Asset is 0.02 as of Dec. 2025. GuruFocus rates CZNL with a GF Score™ of 45/100 and a GF Value™ of $47.35 (Significantly Overvalued). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Citizens National's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.02.

Citizens National's long-term debt to total assets ratio declined from Dec. 2023 (0.02) to Dec. 2025 (0.02). It may suggest that Citizens National is progressively becoming less dependent on debt to grow their business.

Citizens National  (OTCPK:CZNL) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Citizens National LT-Debt-to-Total-Asset Related Terms

Citizens National LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Citizens National's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Citizens National Annual Data
Trend Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.03 0.03 0.02 0.02 0.02

Citizens National Semi-Annual Data
Dec92 Dec03 Dec04 Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.03 0.03 0.02 0.02 0.02
CZNL
45GF Score
Citizens National Corp CZNL
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens National LT-Debt-to-Total-Asset Calculation

Citizens National's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=11/689.339
=0.02

Citizens National's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )/Total Assets (Q: Dec. 2025 )
=11/689.339
=0.02

* 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 LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.02 mean?
Citizens National (CZNL) has a LT-Debt-to-Total-Asset of 0.02 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Citizens National and its competitors.
Is Citizens National's LT-Debt-to-Total-Asset too high?
Citizens National's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset compare to RVCB and JUVF?
Citizens National's LT-Debt-to-Total-Asset of 0.02 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Citizens National and its competitors. Citizens National's current LT-Debt-to-Total-Asset is 0.02. 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 $47.35, compared to a current price of $84.98 — trading 79.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Citizens National (CZNL), the current LT-Debt-to-Total-Asset is 0.02 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 $84.98 is trading 79.5% above its estimated GF Value™ of $47.35. GuruFocus considers Citizens National to be Significantly Overvalued.

Key valuation signals for CZNL:

  • LT-Debt-to-Total-Asset: 0.02
  • GF Value™: $47.35 vs. price of $84.98 (79.5% above fair value)
  • GF Score™: 45/100 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.
45GF Score

Get the complete analysis for CZNL

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$84.98
Price
$47.35
GF Value