Ratios

		vs industry	vs history
P/E(ttm)	19.60	CITZ's P/E(ttm) is ranked lower than 65% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 13.43 vs. CITZ: 19.60 )	CITZ' s 10-Year P/E(ttm) Range Min: 10.3   Max: 257.75 Current: 19.6 10.3 257.75
P/B	1.02	CITZ's P/B is ranked higher than 68% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.90 vs. CITZ: 1.02 )	CITZ' s 10-Year P/B Range Min: 0.19   Max: 1.29 Current: 1.02 0.19 1.29
P/S	2.43	CITZ's P/S is ranked higher than 63% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 2.20 vs. CITZ: 2.43 )	CITZ' s 10-Year P/S Range Min: 0.45   Max: 4.53 Current: 2.43 0.45 4.53
PFCF	10.90	CITZ's PFCF is ranked lower than 59% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 6.70 vs. CITZ: 10.90 )	CITZ' s 10-Year PFCF Range Min: 2.67   Max: 96.63 Current: 10.9 2.67 96.63
EV-to-EBIT	20.56	CITZ's EV-to-EBIT is ranked lower than 55% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 16.90 vs. CITZ: 20.56 )	CITZ' s 10-Year EV-to-EBIT Range Min: 1.1   Max: 255.1 Current: 20.56 1.1 255.1
Shiller P/E	79.2	CITZ's Shiller P/E is ranked lower than 98% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 14.60 vs. CITZ: 79.2 )	CITZ' s 10-Year Shiller P/E Range Min: 30   Max: 194.13 Current: 79.2 30 194.13

Dividend & Buy Back

		vs industry	vs history
Dividend Yield	0.38	CITZ's Dividend Yield is ranked lower than 61% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 2.20 vs. CITZ: 0.38 )	CITZ' s 10-Year Dividend Yield Range Min: 0.38   Max: 17.09 Current: 0.38 0.38 17.09
Dividend Payout	0.2	CITZ's Dividend Payout is ranked higher than 96% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.42 vs. CITZ: 0.2 )	CITZ' s 10-Year Dividend Payout Range Min: 0.09   Max: 1.79 Current: 0.2 0.09 1.79
Yield on cost (5-Year)	0.04	CITZ's Yield on cost (5-Year) is ranked lower than 65% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.92 vs. CITZ: 0.04 )	CITZ' s 10-Year Yield on cost (5-Year) Range Min: 0.04   Max: 1.71 Current: 0.04 0.04 1.71
Share Buyback Rate	-0.3	CITZ's Share Buyback Rate is ranked higher than 69% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: -1.75 vs. CITZ: -0.3 )	CITZ' s 10-Year Share Buyback Rate Range Min: 10.3   Max: -0.5 Current: -0.3

Valuation & Return

		vs industry	vs history
Price/Tangible Book	1	CITZ's Price/Tangible Book is ranked lower than 63% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.00 vs. CITZ: 1 )	CITZ' s 10-Year Price/Tangible Book Range Min: 0.3   Max: 1.3 Current: 1 0.3 1.3
Price/DCF (Projected)	0.7	CITZ's Price/DCF (Projected) is ranked higher than 57% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.50 vs. CITZ: 0.7 )	CITZ' s 10-Year Price/DCF (Projected) Range Min: 0.2   Max: 0.9 Current: 0.7 0.2 0.9
Price/Median PS Value	0.7	CITZ's Price/Median PS Value is ranked lower than 62% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.80 vs. CITZ: 0.7 )	CITZ' s 10-Year Price/Median PS Value Range Min: 0.2   Max: 1.3 Current: 0.7 0.2 1.3
Price/Graham Number	1	CITZ's Price/Graham Number is ranked higher than 51% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.80 vs. CITZ: 1 )	CITZ' s 10-Year Price/Graham Number Range Min: 0.6   Max: 1.6 Current: 1 0.6 1.6
Earnings Yield (Greenblatt)	4.90	CITZ's Earnings Yield (Greenblatt) is ranked higher than 55% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 5.80 vs. CITZ: 4.90 )	CITZ' s 10-Year Earnings Yield (Greenblatt) Range Min: 0.4   Max: 91.8 Current: 4.9 0.4 91.8
Forward Rate of Return (Yacktman)	7.11	CITZ's Forward Rate of Return (Yacktman) is ranked higher than 68% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 15.01 vs. CITZ: 7.11 )	CITZ' s 10-Year Forward Rate of Return (Yacktman) Range Min: 2.9   Max: 31.3 Current: 7.11 2.9 31.3

Business Description

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 22 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.
Company Website
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Industry:	Banks - Regional - US
Compare:	MTB, USB, PNC, PB, CFR

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