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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 : 4/10

Interest Coverage 1.11
CITZ's Interest Coverage is ranked lower than
99.99% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. CITZ: 1.11 )
Ranked among companies with meaningful Interest Coverage only.
CITZ' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 1.11
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 : 2/10

» CITZ's 10-Y Financials

Financials (Next Earnings Date: 0)

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

» Details

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Business Description

Industry: Banks » Banks - Regional - US

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



Dividend & Buy Back

Dividend Yield 0.32
CITZ's Dividend Yield is ranked lower than
97% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. CITZ: 0.32 )
Ranked among companies with meaningful Dividend Yield only.
CITZ' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 0.32
Yield on cost (5-Year) 0.32
CITZ's Yield on cost (5-Year) is ranked lower than
97% of the 2505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 vs. CITZ: 0.32 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CITZ' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 0.32

Valuation & Return


More Statistics

Revenue (TTM) (Mil) $45.13
EPS (TTM) $ 0.38
Short Percentage of Float0.18%

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