CZNL (Citizens National) 3-Month Share Buyback Ratio: 0.00% (As of Dec. 2025 )

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Director of Data and Quant Analytics at GuruFocus
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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
45 GF Score
Price $87.00
GF Value $47.42
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Citizens National 3-Month Share Buyback Ratio?

Citizens National CZNL -1.14% 45 3-Month Share Buyback Ratio is 0.00 as of Dec. 2025. GuruFocus rates CZNL with a GF Score™ of 45/100 and a GF Value™ of $47.42 (Significantly Overvalued). The stock has 5 warning signs investors should review.

3-Month Share Buyback Ratio only apply to companies whose reporting frequency is 3 months.

CZNL
45GF Score
Citizens National Corp CZNL
3-Month Share Buyback Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a 3-Month Share Buyback Ratio of 0.00 mean?
Citizens National (CZNL) has a 3-Month Share Buyback Ratio of 0.00 as of Dec. 2025. The 3-Month Share Buyback Ratio measures the proportion of a company's outstanding shares repurchased over the past three months, calculated as the percentage change in shares outstanding from the previous quarter to the current quarter. View historical data for Citizens National and its competitors.
Is Citizens National's 3-Month Share Buyback Ratio too high?
Citizens National's current 3-Month Share Buyback Ratio is 0.00. 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 3-Month Share Buyback Ratio compare to KLIB and JUVF?
Citizens National's 3-Month Share Buyback Ratio of 0.00 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 3-Month Share Buyback Ratio for a Banks company?
A good 3-Month Share Buyback Ratio depends on the Banks industry context. However, 3-Month Share Buyback 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 3-Month Share Buyback Ratio mean?
A high 3-Month Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Month Share Buyback Ratio measures the proportion of a company's outstanding shares repurchased over the past three months, calculated as the percentage change in shares outstanding from the previous quarter to the current quarter. View historical data for Citizens National and its competitors. Citizens National's current 3-Month Share Buyback Ratio is 0.00. 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 $47.42, compared to a current price of $87.00 — trading 83.5% above its estimated fair value. The current 3-Month Share Buyback Ratio is 0.00. 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 3-Month Share Buyback Ratio calculated?
3-Month Share Buyback Ratio is calculated from a company's financial statements. For Citizens National (CZNL), the current 3-Month Share Buyback Ratio is 0.00 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 $87.00 is trading 83.5% above its estimated GF Value™ of $47.42. GuruFocus considers Citizens National to be Significantly Overvalued.

Key valuation signals for CZNL:

  • 3-Month Share Buyback Ratio: 0.00
  • GF Value™: $47.42 vs. price of $87.00 (83.5% 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

3-Month Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$87.00
Price
$47.42
GF Value