Citizens NationalCZNL 51 PB Ratio is 1.03 as of Jul. 04, 2026, which is 43% above its 10-year median of 0.72. GuruFocus rates CZNL with a GF Score™ of 51/100 and a GF Value™ of $47.35 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,517 Banks companies, Citizens National ranks better than 55.83% on this metric.
Citizens National Corp stock PB Ratio (=1.03) is close to 5-year high of 1.03.
The historical rank and industry rank for Citizens National's PB Ratio or its related term are showing as below:
CZNL'
s PB Ratio Range Over the Past 10 Years
Min: 0.54 Med: 0.72 Max: 1.65
Current: 1.03
During the past 13 years, Citizens National's highest PB Ratio was 1.65. The lowest was 0.54. And the median was 0.72.
CZNL's PB Ratio is ranked better than 55.83% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs CZNL: 1.03
During the past 12 months, Citizens National's average Book Value Per Share Growth Rate was 19.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -0.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 15.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Citizens National was 70.90% per year. The lowest was -7.20% per year. And the median was 11.40% per year.
Back to Basics: PB Ratio
Citizens National (OTCPK:CZNL) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Citizens National PB Ratio Related Terms
Citizens National PB Ratio Historical Data
* Premium members only.
The historical data trend for Citizens National's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citizens National's PB Ratio distribution charts can be found below:
* The bar in red indicates where Citizens National's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Citizens National (CZNL) has a PB Ratio of 1.03 as of Jul. 04, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Citizens National and its competitors. This is 43% above median its historical median of 0.72. Over the past decade, Citizens National's PB Ratio has ranged from 0.54 to 1.65. According to the industry distribution chart, Citizens National ranks #670 out of 1517 companies in the Banks industry, placing it in the top 44.2%.
Is Citizens National's PB Ratio too high?
Citizens National's current PB Ratio of 1.03 is 43% above median its 10-year median of 0.72. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 1.65. The Banks industry median PB Ratio is 1.10. Citizens National's value of 1.03 is 6.4% below this industry median. Based on the distribution chart, Citizens National ranks #670 out of 1517 companies in the Banks industry, which is above 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 PB Ratio compare to RVCB and JUVF?
According to the Banks industry distribution chart, Citizens National ranks #670 out of 1517 companies for PB Ratio. This puts Citizens National in the upper half of its industry. The industry median PB Ratio is 1.10. Citizens National's value of 1.03 is 6.4% below this benchmark. Historically, Citizens National's own PB Ratio has ranged from 0.54 to 1.65 over the past decade. While the company's 10-year median is 0.72 vs. the industry median of 1.10, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens National's current PB Ratio of 1.03 is 6.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Citizens National and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens National's current PB Ratio is 1.03, which is 43% above median its own 10-year median of 0.72. 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 PB Ratio is 1.03, which is 43% above median its 10-year median of 0.72 and 6.4% below the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Citizens National (CZNL), the current PB Ratio is 1.03 as of Jul. 04, 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:
PB Ratio: 1.03 (43% above median its 10-year median of 0.72)
GF Value™: $47.35 vs. price of $84.98 (79.5% above fair value)
Industry Position: 6.4% below the Banks median (#670 of 1517)
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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