CZNL (Citizens National) Margin of Safety % (DCF Dividends Based): N/A (As of Jul. 05, 2026)


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 Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

Citizens National's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Dividends Based) is not calculated.

CZNL vs RVCB, JUVF, FBSI: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, Citizens National's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Citizens National's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Citizens National's Margin of Safety % (DCF Dividends Based) falls into.


CZNL
45GF Score
Citizens National Corp CZNL
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF Dividends Based): N/A
  • 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

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$84.98
Price
$47.35
GF Value