Citizens National Corporation

Citizens National Corporationverified

CZNL

Price:

$49

Market Cap:

$48.31M

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

Industry

Banks - Regional

IPO Date

2012-09-27

Stock Exchange

OTC

Ticker

CZNL

The ROE as of December 2025 (TTM) for Citizens National Corporation (CZNL) is 6.92%

According to Citizens National Corporation’s latest financial reports and current stock price. The company's current ROE is 6.92%. This represents a change of 106.39% compared to the average of 3.35% of the last 4 quarters.

Citizens National Corporation (CZNL) Historical ROE (quarterly & annually)

How has CZNL ROE performed in the past?

The mean historical ROE of Citizens National Corporation over the last ten years is 7.46%. The current 6.92% ROE has changed -7.18% with respect to the historical average. Over the past ten years (40 quarters), CZNL's ROE was at its highest in in the September 1992 quarter at 13.84%. The ROE was at its lowest in in the December 1992 quarter at 0%.

Quarterly (TTM)
Annual

Average

7.46%

Median

7.18%

Minimum

5.85%

Maximum

10.19%

Citizens National Corporation (CZNL) ROE by Quarter and Year

Discovering the peaks and valleys of Citizens National Corporation ROE, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 56.89%

Maximum Annual ROE = 10.19%

Minimum Annual Increase = -34.03%

Minimum Annual ROE = 5.85%

Quarterly (TTM)
Annual
YearROEChange
20246.93%-6.69%
20237.43%-27.09%
202210.19%56.89%
20216.49%10.97%
20205.85%-29.26%
20198.27%5.81%
20187.82%32.14%
20155.92%-34.03%
20148.97%33.09%
20136.74%25.34%

Citizens National Corporation (CZNL) Average ROE

How has CZNL ROE performed in the past?

The current ROE of Citizens National Corporation (CZNL) is less than than its 3-year, less than than its 5-year, and less than than its 10-year historical averages

3-year avg

8.18%

5-year avg

7.38%

10-year avg

7.46%

Citizens National Corporation (CZNL) ROE vs. Peers

How is CZNL’s ROE compared to its peers?

Citizens National Corporation’s ROE is less than Infinity Bancorp (12.61%), less than The Baraboo Bancorporation, Inc. (8.48%), less than West Shore Bank Corp. (10.78%), less than Lumbee Guaranty Bank (8.39%), less than MBT Bancshares, Inc. (14.15%), less than Denali Bancorporation, Inc. (17.35%), less than Northeast Indiana Bancorp, Inc. (9.51%), less than Harford Bank (11.06%), less than Golden Valley Bancshares, Inc. (9.60%), less than Commercial National Financial Corporation (12.30%),

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