Citizens NationalCZNL 45 Shareholder Yield % is 2.41% as of Dec. 2025, which is 65% below its 10-year median of 6.90. GuruFocus rates CZNL with a GF Score™ of 45/100 and a GF Value™ of $47.35 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,504 Banks companies, Citizens National ranks better than 53.52% on this metric.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return.
As of today, Citizens National's Shareholder Yield % was 2.41%.
Citizens National (OTCPK:CZNL) Shareholder Yield % Explanation
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."
Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.
Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.
Citizens National Shareholder Yield % Related Terms
Citizens National Shareholder Yield % Historical Data
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The historical data trend for Citizens National's Shareholder Yield % 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: Shareholder Yield % Comparison
For the Banks - Regional subindustry, Citizens National's Shareholder Yield %, along with its competitors' market caps and Shareholder Yield % 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 Shareholder Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens National's Shareholder Yield % distribution charts can be found below:
* The bar in red indicates where Citizens National's Shareholder Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
Citizens National (CZNL) has a Shareholder Yield % of 2.41% as of Dec. 2025. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Citizens National and its competitors. This is 65% below median its historical median of 6.90. Over the past decade, Citizens National's Shareholder Yield % has ranged from 2.20 to 20.66. According to the industry distribution chart, Citizens National ranks #699 out of 1504 companies in the Banks industry, placing it in the top 46.5%.
Is Citizens National's Shareholder Yield % too high?
Citizens National's current Shareholder Yield % of 2.41% is 65% below median its 10-year median of 6.90. Over the past 10 years, this metric has ranged from a low of 2.20 to a high of 20.66. The Banks industry median Shareholder Yield % is 1.56. Citizens National's value of 2.41% is 55% above this industry median. Based on the distribution chart, Citizens National ranks #699 out of 1504 companies in the Banks industry, which is above 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 Shareholder Yield % compare to RVCB and JUVF?
According to the Banks industry distribution chart, Citizens National ranks #699 out of 1504 companies for Shareholder Yield %. This puts Citizens National in the upper half of its industry. The industry median Shareholder Yield % is 1.56. Citizens National's value of 2.41% is 55% above this benchmark. Historically, Citizens National's own Shareholder Yield % has ranged from 2.20 to 20.66 over the past decade. While the company's 10-year median is 6.90 vs. the industry median of 1.56, Citizens National has consistently been above 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 Shareholder Yield % for a Banks company?
The median Shareholder Yield % among Banks companies is 1.56, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a Shareholder Yield % significantly above this median, while those in the bottom quartile fall well below. However, Shareholder Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens National's current Shareholder Yield % of 2.41% is 55% above 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 Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Citizens National and its competitors. For the Banks industry, the median Shareholder Yield % is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens National's current Shareholder Yield % is 2.41%, which is 65% below median its own 10-year median of 6.90. 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 Shareholder Yield % is 2.41%, which is 65% below median its 10-year median of 6.90 and 55% above the Banks industry median of 1.56. 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 Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For Citizens National (CZNL), the current Shareholder Yield % is 2.41% 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:
Shareholder Yield %: 2.41% (65% below median its 10-year median of 6.90)
GF Value™: $47.35 vs. price of $84.98 (79.5% above fair value)
Industry Position: 55% above the Banks median (#699 of 1504)
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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