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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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Valuation & Return

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Business Description

Industry: Banks » Savings & Cooperative Banks
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Citizens First Bancorp, Inc. currently operates as a community-oriented financial institution that accepts deposits from the general public in the communities surrounding its full-service banking centers and loan production offices. The deposited funds, together with funds generated from operations and borrowings, are used by the company to originate loans. The company's principal lending activity is the origination of mortgage loans for the purchase or refinancing of one- to four-family residential property. The company originates one- to four-family mortgage loans primarily for sale in the secondary market, although the company generally retains the servicing rights for these mortgage loans. The company also originates commercial and multi-family real estate loans, construction loans, commercial loans, automobile loans, home equity loans and lines of credit and a variety of other consumer.

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