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Citizens National Corporation

Financial Services US CZNL

78.0USD
0.00(0%)

Last update at 2026-06-18T20:00:00Z

Day Range

78.0078.00
LowHigh

52 Week Range

41.3377.01
LowHigh

Fundamentals

  • Previous Close 78.00
  • Market Cap75.25M
  • Volume100
  • P/E Ratio13.18
  • Dividend Yield1.89%
  • Revenue TTM24.62M
  • Revenue Per Share TTM25.20
  • Gross Profit TTM 24.62M
  • Diluted EPS TTM5.84

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 6.85M 5.47M 5.86M 7.03M 6.20M
Minority interest - - - - -
Net income 5.71M 4.68M 5.03M 6.06M 5.36M
Selling general administrative 10.40M 2.03M 1.89M 1.79M 1.75M
Selling and marketing expenses - 0.10M 0.28M 0.26M 0.27M
Gross profit 24.62M 23.21M 23.69M 24.47M 23.61M
Reconciled depreciation 0.86M 0.95M 1.05M 1.14M 1.17M
Ebit 6.85M 5.47M 5.86M 7.03M 6.20M
Ebitda 7.71M 6.42M 6.90M 8.16M 7.38M
Depreciation and amortization 0.86M 0.95M 1.05M 1.14M 1.17M
Non operating income net other - - - - -
Operating income 6.85M 5.47M 5.86M 7.03M 6.20M
Other operating expenses 26.66M 26.96M 24.43M 19.94M 19.79M
Interest expense 8.84M 9.23M 6.60M 2.49M 2.38M
Tax provision 1.14M 0.79M 0.83M 0.96M 0.84M
Interest income 29.04M 27.50M 25.27M 22.12M 20.59M
Net interest income 20.19M 18.27M 18.67M 19.64M 18.21M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 1.14M 0.79M 0.83M 0.96M 0.84M
Total revenue 33.51M 32.44M 30.28M 26.96M 25.99M
Total operating expenses 17.78M 17.73M 17.83M 17.45M 17.41M
Cost of revenue 8.88M 9.23M 6.60M 2.49M 2.38M
Total other income expense net - 0.12M -0.00700M -0.04000M 0.09M
Discontinued operations - - - - -
Net income from continuing ops 5.71M 4.68M 5.03M 6.06M 5.36M
Net income applicable to common shares - - - - -
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 690.08M 659.83M 660.07M 698.48M 775.14M
Intangible assets - - - 0.06M 0.21M
Earning assets - - - - -
Other current assets - 3.57M 3.51M 4.18M 3.36M
Total liab 609.21M 592.26M 592.37M 638.98M 692.63M
Total stockholder equity 80.86M 67.57M 67.70M 59.50M 82.51M
Deferred long term liab - - - - -
Other current liab - 337.33M 192.68M 301.06M 336.60M
Common stock 4.84M 4.86M 5.30M 5.46M 5.72M
Capital stock 4.84M 4.86M 5.30M 5.46M 5.72M
Retained earnings 91.57M 86.84M 83.12M 79.56M 74.43M
Other liab - - - - -
Good will 15.61M 15.61M 15.61M 15.61M 15.61M
Other assets - 623.35M -1.00700M - -
Cash 12.28M 33.82M 16.15M 34.11M 177.62M
Cash and equivalents - - - - -
Total current liabilities 1.76M 337.33M 194.31M 308.07M 345.14M
Current deferred revenue - - - - -
Net debt 0.97M -33.82300M 0.21M -10.52600M -147.40700M
Short term debt 1.76M - 1.63M 7.01M 8.54M
Short long term debt - - - - -
Short long term debt total 13.26M 12.00M 14.00M 23.58M 23.51M
Other stockholder equity - -24.12800M -20.72300M - -
Property plant equipment - - - - -
Total current assets 15.06M 37.39M 19.66M 38.29M 180.99M
Long term investments 140.93M 135.46M 131.18M 318.15M 127.49M
Net tangible assets - - - - -
Short term investments - - -5.42300M -21.42800M -162.63400M
Net receivables 2.78M - - - -
Long term debt - - - - -
Inventory - - - - -
Accounts payable - - - - -
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -15.55200M -24.12800M -20.72300M -25.51900M 2.35M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 10.93M 448.36M 594.76M 331.70M 228.30M
Deferred long term asset charges - - - - -
Non current assets total 675.01M 622.45M 641.41M 660.19M 594.15M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -6.98900M -5.90700M 39.06M 43.61M -35.85900M
Change to liabilities - - - - -
Total cashflows from investing activities -20.70300M -5.90700M 39.06M 43.61M -35.85900M
Net borrowings -1.00000M -2.00000M -2.00000M 0.00000M -
Total cash from financing activities 15.32M -2.34200M -46.83500M -52.75600M 31.04M
Change to operating activities - - - - -
Net income 5.71M 4.68M 5.03M 6.06M 5.36M
Change in cash 0.77M 0.79M -1.95200M -2.31100M 2.35M
Begin period cash flow 11.51M 10.73M 12.68M 14.99M 12.64M
End period cash flow 12.28M 11.51M 10.73M 12.68M 14.99M
Total cash from operating activities 6.16M 9.04M 5.82M 6.83M 7.17M
Issuance of capital stock - - - - -
Depreciation 0.86M 0.95M 1.05M 1.14M 1.17M
Other cashflows from investing activities -13.08400M -26.12300M -3.73800M 187.19M -4.74600M
Dividends paid 0.98M 0.96M 0.95M 0.93M 0.90M
Change to inventory - - - - -
Change to account receivables - 2.72M -0.25300M 1.16M -0.95100M
Sale purchase of stock -0.01300M -0.44100M -0.16800M -0.26100M -0.08900M
Other cashflows from financing activities 17.00M 1.06M -43.71800M -49.05500M 36.41M
Change to netincome - - - - -
Capital expenditures 0.63M 0.27M 0.31M 0.57M 0.33M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -0.07400M 3.57M -0.15700M -0.25900M 0.24M
Stock based compensation - - -2.09600M - -2.34800M
Other non cash items 0.52M -0.17000M -0.09900M -0.17000M 0.43M
Free cash flow 5.53M 8.76M 5.51M 6.26M 6.84M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CZNL
Citizens National Corporation		 - -% 78.00 13.18 - 3.06 0.64 2.55
HDB
HDFC Bank Limited ADR		 0.03 0.12% 25.09 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.32 1.06% 29.79 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 1.60 3.22% 51.35 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.70 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

Citizens National Corporation operates as the bank holding company for Citizens Bank of Kentucky that provides various banking products and services in Eastern Kentucky, the United States. It offers checking and savings accounts, term certificate, individual retirement accounts, and certificates of deposits; consumer, home equity, mortgage/real estate, and business loans, as well as residential mortgage, commercial, and installment loans; healthcare, online, and mobile banking services; merchant services; remote deposit capture services; and debit and credit cards, as well as cash, treasury, and wealth management services. The company was founded in 1909 and is based in Paintsville, Kentucky.

Citizens National Corporation

620 Broadway, Paintsville, KY, United States, 41240

Key Executives

Name Title Year Born
Ms. Leisha Maynard CPA Pres & CEO NA
Mr. William David Michael CPA, CPA Exec. VP, Treasurer & CFO NA
Ms. Rose M. Wheeler Exec. VP & Chief Information Officer NA
Ms. Kathy M. Kinner Sr. VP & Head of HR NA
Mr. Lee Wilson Exec. VP & Chief Credit Officer NA
Patty Adams Sr. VP of Branch Operations - Citizens National Bank NA
Billy D. Mullins SVP & Market Pres of Bluegrass Region NA
Ms. Sharon A. Collins Corp. Sec. NA
Mr. Darren W. Gillespie Exec. VP & Chief Lending Officer NA
Ms. Leisha Maynard CPA President & CEO NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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