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Citizens NationalCZNL 45 5-Year Yield-on-Cost % is 1.36 as of Jul. 28, 2026, which is 33% below its 10-year median of 2.03. GuruFocus rates CZNL with a GF Score™ of 45/100 and a GF Value™ of $47.38 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,252 Banks companies, Citizens National ranks worse than 89.54% on this metric.
Citizens National's yield on cost for the quarter that ended in Dec. 2025 was 1.36.
The historical rank and industry rank for Citizens National's 5-Year Yield-on-Cost % or its related term are showing as below:
CZNL'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.79 Med: 2.03 Max: 2.88
Current: 1.36
During the past 13 years, Citizens National's highest Yield on Cost was 2.88. The lowest was 0.79. And the median was 2.03.
CZNL's 5-Year Yield-on-Cost % is ranked worse than 89.54% of 1252
companies
in the Banks industry
Industry Median: 3.87
vs CZNL: 1.36
Citizens National (OTCPK:CZNL) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Citizens National 5-Year Yield-on-Cost % Related Terms
CZNL vs JUVF, CPBI, SOBS: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Citizens National's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens National's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Citizens National's 5-Year Yield-on-Cost % falls into.
Citizens National 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Citizens National (CZNL) has a 5-Year Yield-on-Cost % of 1.36 as of Jul. 28, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Citizens National and its competitors. This is 33% below median its historical median of 2.03. Over the past decade, Citizens National's 5-Year Yield-on-Cost % has ranged from 0.79 to 2.88. According to the industry distribution chart, Citizens National ranks #1121 out of 1252 companies in the Banks industry, placing it in the top 89.5%.
Is Citizens National's 5-Year Yield-on-Cost % too high?
Citizens National's current 5-Year Yield-on-Cost % of 1.36 is 33% below median its 10-year median of 2.03. Over the past 10 years, this metric has ranged from a low of 0.79 to a high of 2.88. The Banks industry median 5-Year Yield-on-Cost % is 3.87. Citizens National's value of 1.36 is 64.9% below this industry median. Based on the distribution chart, Citizens National ranks #1121 out of 1252 companies in the Banks industry, which is in the bottom quartile 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 5-Year Yield-on-Cost % compare to JUVF and CPBI?
According to the Banks industry distribution chart, Citizens National ranks #1121 out of 1252 companies for 5-Year Yield-on-Cost %. This places Citizens National in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.87. Citizens National's value of 1.36 is 64.9% below this benchmark. Historically, Citizens National's own 5-Year Yield-on-Cost % has ranged from 0.79 to 2.88 over the past decade. While the company's 10-year median is 2.03 vs. the industry median of 3.87, Citizens National has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.87, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens National's current 5-Year Yield-on-Cost % of 1.36 is 64.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Citizens National and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens National's current 5-Year Yield-on-Cost % is 1.36, which is 33% below median its own 10-year median of 2.03. 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 $47.38, compared to a current price of $85.00 — trading 79.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 1.36, which is 33% below median its 10-year median of 2.03 and 64.9% below the Banks industry median of 3.87. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Citizens National (CZNL), the current 5-Year Yield-on-Cost % is 1.36 as of Jul. 28, 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 $47.38.
GuruFocus considers Citizens National to be Significantly Overvalued.
Key valuation signals for CZNL:
5-Year Yield-on-Cost %: 1.36 (33% below median its 10-year median of 2.03)
GF Value™: $47.38 vs. price of $85.00 (79.4% above fair value)
Industry Position: 64.9% below the Banks median (#1121 of 1252)
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 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
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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