CZNL (Citizens National) ROCE %: % (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CZNL Citizens National Corp CZNL
46 GF Score
Price $89.00
GF Value $47.39
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Citizens National ROCE %?

Citizens National CZNL -0.92% 46 ROCE % is % as of Dec. 2025. GuruFocus rates CZNL with a GF Score™ of 46/100 and a GF Value™ of $47.39 (Significantly Overvalued). The stock has 5 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

CZNL
46GF Score
Citizens National Corp CZNL
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Citizens National (CZNL) has a ROCE % of % as of Dec. 2025.
Is Citizens National's ROCE % too high?
Citizens National's current ROCE % is %. Overall, Citizens National has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens National's ROCE % compare to JUVF and CPBI?
Citizens National's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 2.81. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 2.81, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 2.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens National's current ROCE % is %. 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 $47.39, compared to a current price of $89.00 — trading 87.8% above its estimated fair value. The current ROCE % is %. Citizens National's overall GF Score™ is 46/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Citizens National (CZNL), the current ROCE % is % 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 $89.00 is trading 87.8% above its estimated GF Value™ of $47.39. GuruFocus considers Citizens National to be Significantly Overvalued.

Key valuation signals for CZNL:

  • ROCE %: %
  • GF Value™: $47.39 vs. price of $89.00 (87.8% above fair value)
  • GF Score™: 46/100 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.
46GF Score

Get the complete analysis for CZNL

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

$89.00
Price
$47.39
GF Value