CZNL (Citizens National) Total Liabilities: $608.48 Mil (As of Dec. 2025)


CZNL Citizens National Corp CZNL
45 GF Score
Price $84.98
GF Value $47.35
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Citizens National Total Liabilities?

Citizens National CZNL 45 Total Liabilities is $608.48 Mil as of Dec. 2025. 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.

Citizens National's Total Liabilities for the quarter that ended in Dec. 2025 was $608.48 Mil.

Citizens National's quarterly Total Liabilities declined from Dec. 2023 ($592.37 Mil) to Dec. 2024 ($592.26 Mil) but then increased from Dec. 2024 ($592.26 Mil) to Dec. 2025 ($608.48 Mil).

Citizens National's annual Total Liabilities declined from Dec. 2023 ($592.37 Mil) to Dec. 2024 ($592.26 Mil) but then increased from Dec. 2024 ($592.26 Mil) to Dec. 2025 ($608.48 Mil).

Citizens National Total Liabilities Historical Data

* Premium members only.

The historical data trend for Citizens National's Total Liabilities 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 Total Liabilities Chart

Citizens National Annual Data
Trend Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Liabilities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 690.82 637.84 592.37 592.26 608.48

Citizens National Semi-Annual Data
Dec92 Dec03 Dec04 Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Liabilities Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 690.82 637.84 592.37 592.26 608.48
CZNL
45GF Score
Citizens National Corp CZNL
Total Liabilities is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens National Total Liabilities Calculation

Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.

Citizens National's Total Liabilities for the fiscal year that ended in Dec. 2025 is calculated as

Total Liabilities=Total Assets (A: Dec. 2025 )-Total Equity (A: Dec. 2025 )
=689.339-80.864
=608.48

Citizens National's Total Liabilities for the quarter that ended in Dec. 2025 is calculated as

Total Liabilities=Total Assets (Q: Dec. 2025 )-Total Equity (Q: Dec. 2025 )
=689.339-80.864
=608.48

* 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.

Frequently Asked Questions Learn more about Total Liabilities →
What does a Total Liabilities of $608.48 Mil mean?
Citizens National (CZNL) has a Total Liabilities of $608.48 Mil as of Dec. 2025. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Citizens National and its competitors.
Is Citizens National's Total Liabilities too high?
Citizens National's current Total Liabilities is $608.48 Mil. 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 Total Liabilities compare to RVCB and JUVF?
Citizens National's Total Liabilities of $608.48 Mil 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 Total Liabilities for a Banks company?
A good Total Liabilities depends on the Banks industry context. However, Total Liabilities 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 Total Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Citizens National and its competitors. Citizens National's current Total Liabilities is $608.48 Mil. 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 Total Liabilities is $608.48 Mil. 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 Total Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For Citizens National (CZNL), the current Total Liabilities is $608.48 Mil 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:

  • Total Liabilities: $608.48 Mil
  • GF Value™: $47.35 vs. price of $84.98 (79.5% 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

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

$84.98
Price
$47.35
GF Value