Citizens National's ROE % for the quarter that ended in Dec. 2025 was 7.69%. Citizens National's PB Ratio for the quarter that ended in Dec. 2025 was 0.59.
Citizens National's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 13.03%.
Citizens National ROE % Adjusted to Book Value Related Terms
Citizens National ROE % Adjusted to Book Value Historical Data
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The historical data trend for Citizens National's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart
CZNL vs RVCB, JUVF, FBSI: ROE % Adjusted to Book Value Comparison
For the Banks - Regional subindustry, Citizens National's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry
For the Banks industry and Financial Services sector, Citizens National's ROE % Adjusted to Book Value distribution charts can be found below:
* The bar in red indicates where Citizens National's ROE % Adjusted to Book Value 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.
What does a ROE % Adjusted to Book Value of 13.03% mean?
Citizens National (CZNL) has a ROE % Adjusted to Book Value of 13.03% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Citizens National and its competitors.
Is Citizens National's ROE % Adjusted to Book Value too high?
Citizens National's current ROE % Adjusted to Book Value is 13.03%. 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 ROE % Adjusted to Book Value compare to RVCB and JUVF?
Citizens National's ROE % Adjusted to Book Value of 13.03% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Citizens National and its competitors. Citizens National's current ROE % Adjusted to Book Value is 13.03%. 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 ROE % Adjusted to Book Value is 13.03%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Citizens National (CZNL), the current ROE % Adjusted to Book Value is 13.03% 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 $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:
ROE % Adjusted to Book Value: 13.03%
GF Value™: $47.35 vs. price of $84.98 (79.5% above fair value)
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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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