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Citizens National Corporation (CZNL)

USD85.00 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 620 Broadway 41240
Paintsville, KY, US
CEO James E. Robinson Jr.
IPO 2012-09-27
ISIN US1747671030

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Description

Citizens National Corporation functions as the parent entity for Citizens Bank of Kentucky, providing a wide array of financial services and solutions throughout the United States. Its offerings include diverse deposit accounts such as checking and savings options, individual retirement accounts (IRAs), and certificates of deposit. The company also extends various lending products, including personal, home equity, mortgage/real estate, and business loans. Additionally, it offers convenient digital banking features like online, mobile, and specialized healthcare banking, alongside cash management and remote deposit capture capabilities for businesses, and both debit and credit cards. The corporation was established in 1909 and maintains its principal office in Paintsville, Kentucky.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD85.00 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
49
Beta
0.28
Free Float %
0.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +1.30% +1.30% +50.00% +59.18% +59.18% +84.66% +69.57% +59.18% +74.81% +254.55%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

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Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
85.00
DCF (Unlevered) 58.93 -30.7%
DCF (Levered) 70.84 -16.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.26
Distress
Piotroski F-Score
6 / 9
Average
Operational MOAT
  • Revenue growth
    +3.3% Q1'06: +23.4% (vs Q1'05)
  • EPS growth
    +23.0% Q1'06: +22.6% (vs Q1'05)
  • FCF margin
    Q1'06: +75.5% (vs Q1'05)
  • EBIT margin
    Q1'06: +23.7% (vs Q1'05)
  • ROIC
    Q1'06: +17.4% (vs Q1'05)
  • Share dilution
    -0.9% Q1'06: -1.0% (vs Q1'05)
  • Debt / EBITDA
    Q1'06: 1.07× (vs Q1'05)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.28) × ERP
WACC = 85% × Ke + 15% × Kd (66.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 58.93 Current price: 85.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
9.67M
OE per share TTM
9.59
Owner's Yield
12.69%
Maintenance CapEx ratio
21.94%
Maint CapEx / Avg PPE
34.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
41.5K
Shares Outstanding
991.9K

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Billy D. Mullins Executive Vice President & Chief Credit Officer male
Darren W. Gillespie Executive Vice President & Chief Banking Officer male
Donna Cassell Senior Vice President of Human Resources female
Gregory J. Meade Executive Chairman of the Board male
James E. Robinson Jr. Executive Vice President, Chief Financial Officer & Treasurer male
Kaecy Baisden Senior Vice President & Northern Market President female
Leisha Maynard President & Chief Executive Officer female
Patty Adams Senior VP of Branch Operations & Retail Services Manager female
Rose Wheeler Executive Vice President & Chief Operating Officer female
Stephanie Salyer Corporate Secretary
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings reports

Stock splits