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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength

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GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth

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» CITZ's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

CITZ Guru Trades in Q1 2013

Jim Simons 162,500 sh (+1.88%)
Prem Watsa 10,000 sh (unchged)
Chuck Royce 150,000 sh (unchged)
Irving Kahn 97,776 sh (-0.71%)
» More
Q2 2013

CITZ Guru Trades in Q2 2013

Jim Simons 185,800 sh (+14.34%)
Prem Watsa 10,000 sh (unchged)
Chuck Royce Sold Out
Irving Kahn 90,276 sh (-7.67%)
» More
Q3 2013

CITZ Guru Trades in Q3 2013

Jim Simons 222,400 sh (+19.7%)
Irving Kahn Sold Out
Prem Watsa Sold Out
» More
Q4 2013

CITZ Guru Trades in Q4 2013

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with CITZ

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Irving Kahn 2013-09-30 Sold Out 0.01%$10.76 - $12.13 $ 12.368%0
Prem Watsa 2013-09-30 Sold Out $10.76 - $12.13 $ 12.368%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

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Dividend & Buy Back

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Dividend Yield 0.32
CITZ's Dividend Yield is ranked lower than
95% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. CITZ: 0.32 )
CITZ' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 0.32

Yield on cost (5-Year) 0.32
CITZ's Yield on cost (5-Year) is ranked lower than
93% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. CITZ: 0.32 )
CITZ' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 0.32

Valuation & Return

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Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
CFS Bancorp, Inc., an Indiana corporation, was incorporated in March 1998 and is the holding company for Citizens Financial Bank (the Bank) The Company offers a wide variety of checking, savings, and other deposit accounts. It also offer investment services and securities brokerage targeted to individuals, families, and small- to medium-sized businesses in its primary market areas through a non-affiliated third-party provider. The Company has increased its business product offerings over the past few years to enhance its opportunity to serve the cash management needs of its client base. These products include public fund deposits, a full array of sweep products including repurchase sweep accounts, zero balance accounts, remote deposit capture, positive pay and merchant services, business overdraft protection, business online banking, and other cash management related services. The Company's business banking group is primarily responsible for developing relationships with small- to medium-sized businesses within the communities it serves by providing various loan, deposit, and cash management products and services. The Company originates commercial and retail loans. Included in the commercial loan portfolio are commercial and industrial, commercial real estate (owner occupied, non-owner occupied, and multifamily), and construction and land development loans it directly originated as well as syndication and participation loans it purchased prior to mid-2007. The Company's commercial lending portfolio includes commercial and industrial, commercial real estate (owner occupied, non-owner occupied and multifamily), construction and land development loans, and participations purchased. The business banking group is responsible for growing its commercial loan portfolio by generating small- to medium-sized business relationships, which includes cross-selling all bank products and services. The Company continues its strategic shift from commercial real estate to commercial and industrial lending. The Company focuses is small- and medium-sized business relationships, which are generally secured by business assets including accounts receivable, inventory, and equipment and typically include the personal guarantees of the principals of the business. The commercial loan portfolio also includes loans secured by owner occupied, non-owner occupied, and multifamily real estate, generally with terms of three to ten years and an amortization period of 25 years or less. The Company provides construction loans for various commercial real estate and multifamily residential projects. It also originates loans to developers for the purpose of developing the land (e.g., roads, sewer, and water) for sale. The Company currently operates 20 full service banking centers in Lake and Porter counties in Northwest Indiana and in Cook, DuPage, and Will counties in Illinois. The Company faces significant competition both in making loans and in attracting deposits. T

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