Citizens NationalCZNL 51 Net Margin % is 23.14% as of Dec. 2025, which is 1% above its 10-year median of 22.92. 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 1,527 Banks companies, Citizens National ranks worse than 62.48% on this metric.
The historical rank and industry rank for Citizens National's Net Margin % or its related term are showing as below:
CZNL'
s Net Margin % Range Over the Past 10 Years
Min: 16.91 Med: 22.92 Max: 25.16
Current: 23.15
CZNL's Net Margin % is ranked worse than 62.48% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CZNL: 23.15
Citizens National (OTCPK:CZNL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Citizens National Net Margin % Related Terms
Citizens National Net Margin % Historical Data
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The historical data trend for Citizens National's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens National's Net Margin % distribution charts can be found below:
* The bar in red indicates where Citizens National's Net 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 Net Margin % of 23.14% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Citizens National and its competitors. This is near median its historical median of 22.92. Over the past decade, Citizens National's Net Margin % has ranged from 16.91 to 25.16. According to the industry distribution chart, Citizens National ranks #954 out of 1527 companies in the Banks industry, placing it in the top 62.5%.
Is Citizens National's Net Margin % too high?
Citizens National's current Net Margin % of 23.14% is near median its 10-year median of 22.92. Over the past 10 years, this metric has ranged from a low of 16.91 to a high of 25.16. The Banks industry median Net Margin % is 26.95. Citizens National's value of 23.14% is 14.1% below this industry median. Based on the distribution chart, Citizens National ranks #954 out of 1527 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 Net Margin % compare to STLE and RVCB?
According to the Banks industry distribution chart, Citizens National ranks #954 out of 1527 companies for Net Margin %. This places Citizens National in the lower half of its industry. The industry median Net Margin % is 26.95. Citizens National's value of 23.14% is 14.1% below this benchmark. Historically, Citizens National's own Net Margin % has ranged from 16.91 to 25.16 over the past decade. While the company's 10-year median is 22.92 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens National's current Net Margin % of 23.14% is 14.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Citizens National and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens National's current Net Margin % is 23.14%, which is near median its own 10-year median of 22.92. 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 Net Margin % is 23.14%, which is near median its 10-year median of 22.92 and 14.1% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Citizens National (CZNL), the current Net Margin % is 23.14% 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:
Net Margin %: 23.14% (near median its 10-year median of 22.92)
GF Value™: $47.34 vs. price of $78.00 (64.8% above fair value)
Industry Position: 14.1% below the Banks median (#954 of 1527)
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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