CZNL (Citizens National) Tariff Resilience Score: 8/10 (As of Jul. 09, 2026)


CZNL Citizens National Corp CZNL
45 GF Score
Price $84.98
GF Value $47.36
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Citizens National Tariff Resilience Score?

Citizens National CZNL 45 Tariff Resilience Score is 8 as of Jul. 09, 2026. 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 1,605 Banks companies, Citizens National ranks better than 78.82% on this metric.

Citizens National has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Citizens National has Similar to CZNC, as a financial institution, it has limited direct exposure to international trade tariffs. Its operations are primarily domestic, minimizing tariff impact.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Citizens National might have Highly Resilient.

Citizens National  (OTCPK:CZNL) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Citizens National Tariff Resilience Score Related Terms

CZNL vs RVCB, JUVF, FBSI: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Citizens National's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Citizens National's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Citizens National's Tariff Resilience Score falls into.


CZNL
45GF Score
Citizens National Corp CZNL
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Citizens National (CZNL) has a Tariff Resilience Score of 8 as of Jul. 09, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Citizens National ranks #340 out of 1605 companies in the Banks industry, placing it in the top 21.2%.
Is Citizens National's Tariff Resilience Score too high?
Citizens National's current Tariff Resilience Score is 8. Based on the distribution chart, Citizens National ranks #340 out of 1605 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Tariff Resilience Score compare to RVCB and JUVF?
According to the Banks industry distribution chart, Citizens National ranks #340 out of 1605 companies for Tariff Resilience Score. This places Citizens National in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Citizens National's current Tariff Resilience Score is 8. 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 $84.98 — trading 79.4% above its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Citizens National (CZNL), the current Tariff Resilience Score is 8 as of Jul. 09, 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 $84.98 is trading 79.4% above its estimated GF Value™ of $47.36. GuruFocus considers Citizens National to be Significantly Overvalued.

Key valuation signals for CZNL:

  • Tariff Resilience Score: 8
  • GF Value™: $47.36 vs. price of $84.98 (79.4% 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

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

$84.98
Price
$47.36
GF Value