CZNL (Citizens National) Moat Score: 2/10 (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
View Full Analysis

What is Citizens National Moat Score?

Citizens National CZNL 45 Moat Score is 2 as of Jul. 05, 2026. 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. Among 1,612 Banks companies, Citizens National ranks better than 59.93% on this metric.

Citizens National has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Citizens National has No Moat: Citizens National Corp shows no discernible moat. It faces intense competition in the banking industry and lacks significant market leadership, customer loyalty, or cost advantages that would provide a sustainable competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Citizens National might have No Moat - Very weak/transient advantages.

Citizens National  (OTCPK:CZNL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Citizens National Moat Score Related Terms

CZNL vs RVCB, JUVF, FBSI: Moat Score Comparison

For the Banks - Regional subindustry, Citizens National's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Citizens National's Moat Score distribution charts can be found below:

* The bar in red indicates where Citizens National's Moat Score falls into.


CZNL
45GF Score
Citizens National Corp CZNL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Citizens National (CZNL) has a Moat Score of 2 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Citizens National ranks #646 out of 1612 companies in the Banks industry, placing it in the top 40.1%.
Is Citizens National's Moat Score too high?
Citizens National's current Moat Score is 2. Based on the distribution chart, Citizens National ranks #646 out of 1612 companies in the Banks industry, which is above 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 Moat Score compare to RVCB and JUVF?
According to the Banks industry distribution chart, Citizens National ranks #646 out of 1612 companies for Moat Score. This puts Citizens National in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Citizens National's current Moat Score is 2. 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 Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Citizens National (CZNL), the current Moat Score is 2 as of Jul. 05, 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 $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:

  • Moat Score: 2
  • 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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$84.98
Price
$47.35
GF Value