Citizens NationalCZNL 45 Return-on-Tangible-Equity is 9.74% as of Dec. 2025, which is 9% below its 10-year median of 10.73. GuruFocus rates CZNL with a GF Score™ of 45/100 and a GF Value™ of $47.36 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,521 Banks companies, Citizens National ranks worse than 59.11% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Citizens National's annualized net income for the quarter that ended in Dec. 2025 was $5.71 Mil. Citizens National's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $58.61 Mil. Therefore, Citizens National's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 9.74%.
The historical rank and industry rank for Citizens National's Return-on-Tangible-Equity or its related term are showing as below:
CZNL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.63 Med: 10.73 Max: 14.84
Current: 9.74
During the past 13 years, Citizens National's highest Return-on-Tangible-Equity was 14.84%. The lowest was 7.63%. And the median was 10.73%.
CZNL's Return-on-Tangible-Equity is ranked worse than 59.11% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs CZNL: 9.74
Citizens National (OTCPK:CZNL) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Citizens National Return-on-Tangible-Equity Related Terms
Citizens National Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Citizens National's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Citizens National's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Citizens National's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Citizens National's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 9.74% mean?
Citizens National (CZNL) has a Return-on-Tangible-Equity of 9.74% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Citizens National and its competitors. This is near median its historical median of 10.73. Over the past decade, Citizens National's Return-on-Tangible-Equity has ranged from 7.63 to 14.84. According to the industry distribution chart, Citizens National ranks #899 out of 1521 companies in the Banks industry, placing it in the top 59.1%.
Is Citizens National's Return-on-Tangible-Equity too high?
Citizens National's current Return-on-Tangible-Equity of 9.74% is near median its 10-year median of 10.73. Over the past 10 years, this metric has ranged from a low of 7.63 to a high of 14.84. The Banks industry median Return-on-Tangible-Equity is 11.19. Citizens National's value of 9.74% is 13% below this industry median. Based on the distribution chart, Citizens National ranks #899 out of 1521 companies in the Banks industry, which is below 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 Return-on-Tangible-Equity compare to RVCB and JUVF?
According to the Banks industry distribution chart, Citizens National ranks #899 out of 1521 companies for Return-on-Tangible-Equity. This places Citizens National in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Citizens National's value of 9.74% is 13% below this benchmark. Historically, Citizens National's own Return-on-Tangible-Equity has ranged from 7.63 to 14.84 over the past decade. While the company's 10-year median is 10.73 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens National's current Return-on-Tangible-Equity of 9.74% is 13% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Citizens National and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens National's current Return-on-Tangible-Equity is 9.74%, which is near median its own 10-year median of 10.73. 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 $47.36, compared to a current price of $85.00 — trading 79.5% above its estimated fair value. The current Return-on-Tangible-Equity is 9.74%, which is near median its 10-year median of 10.73 and 13% below the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Citizens National (CZNL), the current Return-on-Tangible-Equity is 9.74% 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 $85.00 is trading 79.5% above its estimated GF Value™ of $47.36.
GuruFocus considers Citizens National to be Significantly Overvalued.
Key valuation signals for CZNL:
Return-on-Tangible-Equity: 9.74% (near median its 10-year median of 10.73)
GF Value™: $47.36 vs. price of $85.00 (79.5% above fair value)
Industry Position: 13% below the Banks median (#899 of 1521)
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.
45GF Score
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