CZNL (Citizens National) 1-Year Sharpe Ratio: 1.78 (As of Aug. 25, 2026)

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Director of Data and Quant Analytics at GuruFocus
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CZNL Citizens National Corp CZNL
45 GF Score
Price $88.00
GF Value $47.41
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Citizens National 1-Year Sharpe Ratio?

Citizens National CZNL -1.12% 45 1-Year Sharpe Ratio is 1.78 as of Aug. 25, 2026. GuruFocus rates CZNL with a GF Score™ of 45/100 and a GF Value™ of $47.41 (Significantly Overvalued). The stock has 5 warning signs investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-08-25), Citizens National's 1-Year Sharpe Ratio is 1.78.

Citizens National  (OTCPK:CZNL) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

Citizens National 1-Year Sharpe Ratio Related Terms

CZNL vs JUVF, CPBI, SOBS: 1-Year Sharpe Ratio Comparison

For the Banks - Regional subindustry, Citizens National's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Citizens National's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where Citizens National's 1-Year Sharpe Ratio falls into.


CZNL
45GF Score
Citizens National Corp CZNL
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens National 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 1.78 mean?
Citizens National (CZNL) has a 1-Year Sharpe Ratio of 1.78 as of Aug. 25, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Citizens National and its competitors.
Is Citizens National's 1-Year Sharpe Ratio too high?
Citizens National's current 1-Year Sharpe Ratio is 1.78. 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 1-Year Sharpe Ratio compare to JUVF and CPBI?
Citizens National's 1-Year Sharpe Ratio of 1.78 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 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Citizens National and its competitors. Citizens National's current 1-Year Sharpe Ratio is 1.78. 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 $47.41, compared to a current price of $88.00 — trading 85.6% above its estimated fair value. The current 1-Year Sharpe Ratio is 1.78. 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 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For Citizens National (CZNL), the current 1-Year Sharpe Ratio is 1.78 as of Aug. 25, 2026. 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 $88.00 is trading 85.6% above its estimated GF Value™ of $47.41. GuruFocus considers Citizens National to be Significantly Overvalued.

Key valuation signals for CZNL:

  • 1-Year Sharpe Ratio: 1.78
  • GF Value™: $47.41 vs. price of $88.00 (85.6% above fair value)
  • GF Score™: 45/100 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.
45GF Score

Get the complete analysis for CZNL

1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$88.00
Price
$47.41
GF Value