Stock fact sheet · data as of
Citizens National Corporation (CZNL): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is CZNL undervalued?
CZNL closed at 85.00 on 16 Oct 2026, which is 22% above the GLS average fair value of 69.68 from 9 models. 5 of them value the shares below today's price. Our screens read that as "no margin of safety": the stock is not a value candidate at this price, whatever the quality numbers say.
There is a wide gap between DDM (15.01) and 10 Cap (140.33). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files CZNL under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for CZNL
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 58.21 | -32% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 104.31 | +23% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 94.26 | +11% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 23.37 | -73% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 17.77 | -79% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 140.33 | +65% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 108.93 | +28% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 15.01 | -82% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 64.92 | -24% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -608.19 | -816% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Citizens National Corporation scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 4.8/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are moderate - ROIC 6.1%, ROE 7.1%, ROA 0.8% - with debt at 0.16 times equity and a free-cash-flow yield of 6.7%.
The dividend yield is 1.20% with a payout ratio of 17% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 6.1% |
|---|---|---|---|
| GLS Moat | 4.8 / 10 | ROE | 7.1% |
| Debt / equity | 0.16 | ROA | 0.8% |
| Free-cash-flow yield | 6.7% | Payout ratio | 17% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 30: No options
No options are listed on Citizens National Corporation in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 30) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $83M, with a beta of 0.26 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 3 / 25 | -22% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 7 / 15 | moat 4.8/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $83M cap, beta 0.26 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CZNL in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Citizens National Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| SSBI Summit State Bank | 12.28 | 13.46 | +9% | 39No options | $83M |
| FDVA Freedom Financial Holdings, Inc. | 11.62 | 3.58 | -224% | 17No options | $83M |
| CPBI Central Plains Bancshares, Inc. Common Stock | 19.79 | 37.21 | +47% | 39No options | $83M |
| IBTN InsCorp, Inc. | 28.25 | 14.00 | -102% | 24No options | $82M |
| FBSI First Bancshares, Inc. | 34.01 | 81.61 | +58% | 39No options | $82M |
| FSEA First Seacoast Bancorp | 17.25 | 0.4409 | -3813% | 22No options | $81M |
| CYFL Century Financial Corporation | 48.92 | 135.06 | +64% | 39No options | $81M |
| UBCP United Bancorp, Inc. | 14.00 | 21.86 | +36% | 39No options | $80M |
| SLRK Solera National Bancorp, Inc. | 20.00 | 67.18 | +70% | 39No options | $86M |
| FBTT First Bankers Trustshares, Inc. | 26.47 | 37.87 | +30% | 39No options | $79M |
| EDVR Endeavor Bancorp | 19.75 | 45.52 | +57% | 39No options | $87M |
| SVBT SVB & T Corporation | 71.75 | 130.47 | +45% | 39No options | $79M |
⚖ Compare CZNL with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CZNL
Is CZNL undervalued right now?
No: at 85.00 the stock trades 22% above the GLS average fair value of 69.68 (data as of 16 Oct 2026). The margin of safety is negative.
What is the Wheel Score of CZNL and what does it mean?
CZNL has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CZNL?
69.68 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Citizens National Corporation report earnings next?
No upcoming earnings date is recorded for CZNL in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does CZNL have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CZNL, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.