Citizens NationalCZNL 51 Pretax Margin % is 27.77% as of Dec. 2025, which is 9% above its 10-year median of 25.50. 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 1,530 Banks companies, Citizens National ranks worse than 68.76% on this metric.
The historical rank and industry rank for Citizens National's Pretax Margin % or its related term are showing as below:
CZNL'
s Pretax Margin % Range Over the Past 10 Years
Min: 18.94 Med: 25.5 Max: 31
Current: 27.77
CZNL's Pretax Margin % is ranked worse than 68.76% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs CZNL: 27.77
Citizens National (OTCPK:CZNL) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Citizens National Pretax Margin % Related Terms
Citizens National Pretax Margin % Historical Data
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The historical data trend for Citizens National's Pretax 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.
CZNL vs RVCB, JUVF, FBSI: Pretax Margin % Comparison
For the Banks - Regional subindustry, Citizens National's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens National's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Citizens National's Pretax 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 Pretax Margin % of 27.77% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citizens National and its competitors. This is near median its historical median of 25.50. Over the past decade, Citizens National's Pretax Margin % has ranged from 18.94 to 31.00. According to the industry distribution chart, Citizens National ranks #1052 out of 1530 companies in the Banks industry, placing it in the top 68.8%.
Is Citizens National's Pretax Margin % too high?
Citizens National's current Pretax Margin % of 27.77% is near median its 10-year median of 25.50. Over the past 10 years, this metric has ranged from a low of 18.94 to a high of 31.00. The Banks industry median Pretax Margin % is 34.72. Citizens National's value of 27.77% is 20% below this industry median. Based on the distribution chart, Citizens National ranks #1052 out of 1530 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 Pretax Margin % compare to RVCB and JUVF?
According to the Banks industry distribution chart, Citizens National ranks #1052 out of 1530 companies for Pretax Margin %. This places Citizens National in the lower half of its industry. The industry median Pretax Margin % is 34.72. Citizens National's value of 27.77% is 20% below this benchmark. Historically, Citizens National's own Pretax Margin % has ranged from 18.94 to 31.00 over the past decade. While the company's 10-year median is 25.50 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens National's current Pretax Margin % of 27.77% is 20% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citizens National and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens National's current Pretax Margin % is 27.77%, which is near median its own 10-year median of 25.50. 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 Pretax Margin % is 27.77%, which is near median its 10-year median of 25.50 and 20% below the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Citizens National (CZNL), the current Pretax Margin % is 27.77% 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:
Pretax Margin %: 27.77% (near median its 10-year median of 25.50)
GF Value™: $47.34 vs. price of $78.00 (64.8% above fair value)
Industry Position: 20% below the Banks median (#1052 of 1530)
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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