CZNL (Citizens National) Total Payout Yield %: 1.19 (As of Jul. 17, 2026)

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CZNL Citizens National Corp CZNL
45 GF Score
Price $85.00
GF Value $47.37
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Citizens National Total Payout Yield %?

Citizens National CZNL 45 Total Payout Yield % is 1.19 as of Jul. 17, 2026. GuruFocus rates CZNL with a GF Score™ of 45/100 and a GF Value™ of $47.37 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Total Payout Yield % is the percent a company has paid to its shareholders through net repurchases of shares and dividends based on its Market Cap. It is a measure of shareholder return.

Citizens National's current Total Payout Yield % is 1.19%.


Citizens National Total Payout Yield % Explanation

Similar to Dividend Yield, Total Payout Yield % is a measurement of shareholder return. Dividends is not the only way that companies are able to distribute their excess cash back to the shareholders. The other way to distribute the cash is a stock repurchase. The stock repurchase buys back the company's own shares from the marketplace. This results in a reduced number of oustanding shares, making each share worth a greater percentage of the corporation.


Citizens National Total Payout Yield % Related Terms


Citizens National Total Payout Yield % Historical Data

* Premium members only.

The historical data trend for Citizens National's Total Payout 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.

Citizens National Total Payout Yield % Chart

Citizens National Annual Data
Trend Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.71 2.56 2.84 3.13 2.07

Citizens National Semi-Annual Data
Dec92 Dec03 Dec04 Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.71 2.56 2.84 3.13 2.07

CZNL vs RVCB, JUVF, FBSI: Total Payout Yield % Comparison

For the Banks - Regional subindustry, Citizens National's Total Payout Yield %, along with its competitors' market caps and Total Payout 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 Total Payout Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Citizens National's Total Payout Yield % distribution charts can be found below:

* The bar in red indicates where Citizens National's Total Payout Yield % falls into.


CZNL
45GF Score
Citizens National Corp CZNL
Total Payout Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens National Total Payout Yield % Calculation

Total Payout Yield % is a measure of shareholder return.

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

Total Payout Yield %=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Market Cap
=- (-0.013 + 0 + -0.977) / 47.873
=2.07%

Citizens National's annualized Total Payout Yield % for the quarter that ended in Dec. 2025 is calculated as

Total Payout Yield %=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) * Annualized Factor / Market Cap
=- (-0.013 + 0 + -0.977) * 1 / 47.873
=2.07%

* 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 Payout Yield % →
What does a Total Payout Yield % of 1.19 mean?
Citizens National (CZNL) has a Total Payout Yield % of 1.19 as of Jul. 17, 2026. Total Payout Yield is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Market Cap. View historical data on Citizens National and its competitors.
Is Citizens National's Total Payout Yield % too high?
Citizens National's current Total Payout Yield % is 1.19. 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 Payout Yield % compare to RVCB and JUVF?
Citizens National's Total Payout Yield % of 1.19 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 Payout Yield % for a Banks company?
A good Total Payout Yield % depends on the Banks industry context. However, Total Payout Yield % 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 Payout Yield % mean?
A high Total Payout Yield % can signal that a stock is expensive relative to its fundamentals. Total Payout Yield is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Market Cap. View historical data on Citizens National and its competitors. Citizens National's current Total Payout Yield % is 1.19. 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 $47.37, compared to a current price of $85.00 — trading 79.4% above its estimated fair value. The current Total Payout Yield % is 1.19. 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 Payout Yield % calculated?
Total Payout Yield % is calculated from a company's financial statements. For Citizens National (CZNL), the current Total Payout Yield % is 1.19 as of Jul. 17, 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 $85.00 is trading 79.4% above its estimated GF Value™ of $47.37. GuruFocus considers Citizens National to be Significantly Overvalued.

Key valuation signals for CZNL:

  • Total Payout Yield %: 1.19
  • GF Value™: $47.37 vs. price of $85.00 (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

Get the complete analysis for CZNL

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

$85.00
Price
$47.37
GF Value