CZNL (Citizens National) PEG Ratio: 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 PEG Ratio?

PE Ratio without NRI / 5-Year Book Value Growth Rate*

PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, Citizens National's PE Ratio without NRI is 14.55. Citizens National's 5-Year Book Value growth rate is -0.80%. Therefore, Citizens National's PEG Ratio for today is N/A.

* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.


The historical rank and industry rank for Citizens National's PEG Ratio or its related term are showing as below:


During the past 13 years, Citizens National's highest PEG Ratio was 181.20. The lowest was 0.13. And the median was 0.31.


CZNL's PEG Ratio is not ranked *
in the Banks industry.
Industry Median: 1.54
* Ranked among companies with meaningful PEG Ratio only.

Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.

Citizens National  (OTCPK:CZNL) PEG Ratio Explanation

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.

Citizens National PEG Ratio Related Terms

Citizens National PEG Ratio Historical Data

* Premium members only.

The historical data trend for Citizens National's PEG 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.

Citizens National PEG Ratio Chart

Citizens National Annual Data
Trend Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PEG Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.33 1.62 156.60 0.00 0.00

Citizens National Semi-Annual Data
Dec92 Dec03 Dec04 Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PEG Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.33 1.62 156.60 0.00 0.00

CZNL vs RVCB, JUVF, FBSI: PEG Ratio Comparison

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

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

* The bar in red indicates where Citizens National's PEG Ratio falls into.


CZNL
45GF Score
Citizens National Corp CZNL
PEG Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens National PEG Ratio Calculation

PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The ratio we use is the 5-Year Book Value growth rate.

Citizens National's PEG Ratio for today is calculated as

PEG Ratio=PE Ratio without NRI/5-Year Book Value Growth Rate*
=14.551369863014/-0.80
=N/A

* 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.

* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.

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:

  • PEG Ratio: 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

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

$84.98
Price
$47.35
GF Value