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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.49
CZFC's Cash-to-Debt is ranked lower than
73% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. CZFC: 0.49 )
Ranked among companies with meaningful Cash-to-Debt only.
CZFC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.21  Med: 0.41 Max: No Debt
Current: 0.49
Equity-to-Asset 0.09
CZFC's Equity-to-Asset is ranked lower than
60% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CZFC: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
CZFC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.1 Max: 0.13
Current: 0.09
0.05
0.13
Interest Coverage 2.38
CZFC's Interest Coverage is ranked higher than
59% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. CZFC: 2.38 )
Ranked among companies with meaningful Interest Coverage only.
CZFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.16  Med: 0.81 Max: 2.38
Current: 2.38
0.16
2.38
Piotroski F-Score: 5
Beneish M-Score: -2.84
WACC vs ROIC
5.42%
6.94%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating Margin % 31.83
CZFC's Operating Margin % is ranked higher than
54% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. CZFC: 31.83 )
Ranked among companies with meaningful Operating Margin % only.
CZFC' s Operating Margin % Range Over the Past 10 Years
Min: -59.57  Med: 21.07 Max: 31.83
Current: 31.83
-59.57
31.83
Net Margin % 22.33
CZFC's Net Margin % is ranked higher than
52% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. CZFC: 22.33 )
Ranked among companies with meaningful Net Margin % only.
CZFC' s Net Margin % Range Over the Past 10 Years
Min: -40.94  Med: 16.21 Max: 22.33
Current: 22.33
-40.94
22.33
ROE % 9.03
CZFC's ROE % is ranked higher than
57% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. CZFC: 9.03 )
Ranked among companies with meaningful ROE % only.
CZFC' s ROE % Range Over the Past 10 Years
Min: -16.13  Med: 4.16 Max: 9.03
Current: 9.03
-16.13
9.03
ROA % 0.96
CZFC's ROA % is ranked higher than
58% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CZFC: 0.96 )
Ranked among companies with meaningful ROA % only.
CZFC' s ROA % Range Over the Past 10 Years
Min: -1.61  Med: 0.71 Max: 0.96
Current: 0.96
-1.61
0.96
3-Year Revenue Growth Rate -6.80
CZFC's 3-Year Revenue Growth Rate is ranked lower than
85% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. CZFC: -6.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CZFC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.8 Max: 30.9
Current: -6.8
0
30.9
3-Year EBITDA Growth Rate -5.30
CZFC's 3-Year EBITDA Growth Rate is ranked lower than
80% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. CZFC: -5.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CZFC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -14.3  Med: 10.5 Max: 401.3
Current: -5.3
-14.3
401.3
3-Year EPS without NRI Growth Rate 8.00
CZFC's 3-Year EPS without NRI Growth Rate is ranked higher than
53% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CZFC: 8.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CZFC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -24.5  Med: 9.9 Max: 24.4
Current: 8
-24.5
24.4
GuruFocus has detected 4 Warning Signs with Citizens First Corp $CZFC.
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» CZFC's 10-Y Financials

Financials (Next Earnings Date: 2017-04-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 551111    SIC: 6021
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Citizens First Corp is a bank holding company for Citizens First Bank, Inc. It is engaged in the business of accepting demand, savings and time deposits insured by the FDIC and providing commercial, consumer and mortgage loans to the general public.

Citizens First Corporation was incorporated in Kentucky in 1975. It is primarily engaged in the business of accepting demand, savings and time deposits insured by the FDIC and providing commercial, consumer and mortgage loans to the general public. It offers a variety of loans, including real estate, construction, commercial and consumer loans to individuals and small to mid-size businesses that are located in or conduct a substantial portion of their business in its market area. It makes commercial loans mainly to small and medium-sized businesses. The Company originates residential mortgage loans with either fixed or variable interest rates to borrowers to purchase and refinance one-to-four family properties. It provides customers access to long-term conventional real estate loans through its mortgage loan division, which underwrites loans that are purchased by unaffiliated third party brokers in the secondary market. The Company makes personal loans and lines of credit available to consumers for various purposes, such as the purchase of automobiles, boats and other recreational vehicles, and the making of home improvements and personal investments. The Company's main source of funds is core deposits. It offers a range of deposit products and services consistent with the goal of attracting a variety of customers, including small- to medium-sized businesses. It actively pursues business checking accounts by offering competitive rates, telephone banking and other convenient services to its business customers. In some cases, it requires business customers to maintain minimum balances. It offers a deposit pick-up service to its commercial customers that enable these customers to make daily cash deposits through one of its couriers. It offers a variety of deposit accounts, including checking accounts, regular savings accounts, NOW accounts, money market accounts, sweep accounts, fixed and variable rate IRA accounts, certificate of deposit accounts and safety deposit boxes. It competes for deposits, loans and other banking services generally on the basis of convenient office locations, interest rates, fees and the range of services offered. The Company is subject to extensive state and federal banking laws and regulations that impose restrictions on and provide for general regulatory oversight of its operations.

Ratios

vs
industry
vs
history
PE Ratio 11.15
CZFC's PE Ratio is ranked higher than
63% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. CZFC: 11.15 )
Ranked among companies with meaningful PE Ratio only.
CZFC' s PE Ratio Range Over the Past 10 Years
Min: 6.51  Med: 10.65 Max: 75
Current: 11.15
6.51
75
PE Ratio without NRI 11.15
CZFC's PE Ratio without NRI is ranked higher than
65% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. CZFC: 11.15 )
Ranked among companies with meaningful PE Ratio without NRI only.
CZFC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.51  Med: 10.65 Max: 75
Current: 11.15
6.51
75
Price-to-Owner-Earnings 10.21
CZFC's Price-to-Owner-Earnings is ranked higher than
66% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. CZFC: 10.21 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CZFC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.83  Med: 6.54 Max: 36.26
Current: 10.21
2.83
36.26
PB Ratio 1.05
CZFC's PB Ratio is ranked higher than
55% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CZFC: 1.05 )
Ranked among companies with meaningful PB Ratio only.
CZFC' s PB Ratio Range Over the Past 10 Years
Min: 0.29  Med: 0.68 Max: 1.52
Current: 1.05
0.29
1.52
PS Ratio 2.50
CZFC's PS Ratio is ranked higher than
65% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CZFC: 2.50 )
Ranked among companies with meaningful PS Ratio only.
CZFC' s PS Ratio Range Over the Past 10 Years
Min: 0.51  Med: 1.16 Max: 10.3
Current: 2.5
0.51
10.3
Price-to-Free-Cash-Flow 9.14
CZFC's Price-to-Free-Cash-Flow is ranked higher than
63% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. CZFC: 9.14 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CZFC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.84  Med: 5.03 Max: 46.63
Current: 9.14
1.84
46.63
Price-to-Operating-Cash-Flow 8.70
CZFC's Price-to-Operating-Cash-Flow is ranked higher than
60% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. CZFC: 8.70 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CZFC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.77  Med: 3.91 Max: 11.93
Current: 8.7
1.77
11.93
EV-to-EBIT 11.04
CZFC's EV-to-EBIT is ranked higher than
54% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. CZFC: 11.04 )
Ranked among companies with meaningful EV-to-EBIT only.
CZFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -14.3  Med: 13.4 Max: 55.7
Current: 11.04
-14.3
55.7
EV-to-EBITDA 10.26
CZFC's EV-to-EBITDA is ranked higher than
53% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. CZFC: 10.26 )
Ranked among companies with meaningful EV-to-EBITDA only.
CZFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -29.1  Med: 10.9 Max: 49.3
Current: 10.26
-29.1
49.3
PEG Ratio 29.00
CZFC's PEG Ratio is ranked lower than
97% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. CZFC: 29.00 )
Ranked among companies with meaningful PEG Ratio only.
CZFC' s PEG Ratio Range Over the Past 10 Years
Min: 1.34  Med: 5.58 Max: 29
Current: 29
1.34
29
Shiller PE Ratio 63.01
CZFC's Shiller PE Ratio is ranked lower than
94% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. CZFC: 63.01 )
Ranked among companies with meaningful Shiller PE Ratio only.
CZFC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 23.77  Med: 39.53 Max: 211
Current: 63.01
23.77
211

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.86
CZFC's Dividend Yield % is ranked lower than
92% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. CZFC: 0.86 )
Ranked among companies with meaningful Dividend Yield % only.
CZFC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.37  Med: 1 Max: 2.85
Current: 0.86
0.37
2.85
Dividend Payout Ratio 0.10
CZFC's Dividend Payout Ratio is ranked higher than
94% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CZFC: 0.10 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CZFC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.06  Med: 0.16 Max: 0.26
Current: 0.1
0.06
0.26
Forward Dividend Yield % 0.86
CZFC's Forward Dividend Yield % is ranked lower than
93% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. CZFC: 0.86 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.87
CZFC's 5-Year Yield-on-Cost % is ranked lower than
93% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. CZFC: 0.87 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CZFC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.37  Med: 1 Max: 2.85
Current: 0.87
0.37
2.85

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.20
CZFC's Price-to-Tangible-Book is ranked lower than
52% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CZFC: 1.20 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CZFC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.37  Med: 0.98 Max: 2.01
Current: 1.2
0.37
2.01
Price-to-Intrinsic-Value-Projected-FCF 0.53
CZFC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
75% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CZFC: 0.53 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CZFC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.19  Med: 0.33 Max: 18.14
Current: 0.53
0.19
18.14
Price-to-Median-PS-Value 2.15
CZFC's Price-to-Median-PS-Value is ranked lower than
94% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CZFC: 2.15 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CZFC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.44  Med: 1.33 Max: 8.87
Current: 2.15
0.44
8.87
Price-to-Graham-Number 0.77
CZFC's Price-to-Graham-Number is ranked higher than
62% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. CZFC: 0.77 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CZFC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.46  Med: 0.82 Max: 2.19
Current: 0.77
0.46
2.19
Earnings Yield (Greenblatt) % 9.08
CZFC's Earnings Yield (Greenblatt) % is ranked higher than
65% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. CZFC: 9.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CZFC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.8  Med: 7.3 Max: 13.4
Current: 9.08
1.8
13.4
Forward Rate of Return (Yacktman) % 15.11
CZFC's Forward Rate of Return (Yacktman) % is ranked higher than
61% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. CZFC: 15.11 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CZFC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -0.6  Med: 18.8 Max: 30.9
Current: 15.11
-0.6
30.9

More Statistics

Revenue (TTM) (Mil) $18.89
EPS (TTM) $ 1.66
Beta0.21
Short Percentage of Float0.01%
52-Week Range $13.76 - 20.57
Shares Outstanding (Mil)2.00
» More Articles for CZFC

Headlines

Articles On GuruFocus.com
Citizens First Corp (CZFC) CFO Steve Marcum buys 1,500 Shares May 21 2010 
Citizens First Corp Reports Operating Results (10-Q) Apr 30 2010 
Weekly CFO Buys Highlight: Bank of South Carolina Corp., Citizens First Corp, Martin Midstream Partn Apr 25 2010 
Citizens First Corp (CZFC) CFO Steve Marcum buys 1,000 Shares Apr 20 2010 
Citizens First Corp (CZFC) Chairman of the Board Jack Sheidler buys 5,000 Shares Feb 23 2010 
Citizens First Corp (CZFC) CFO Steve Marcum buys 1,000 Shares Dec 17 2009 
Citizens First Corp Reports Operating Results (10-Q) Nov 05 2009 
Weekly CFO Buys Highlight: Rocky Brands Inc., MainSource Financial Group Inc, NewBridge Bancorp, Sta Sep 13 2009 
Citizens First Corp (CZFC) CFO Steve Marcum buys 2,000 Shares Sep 10 2009 
Citizens First Corp Reports Operating Results (10-Q) Aug 14 2009 

More From Other Websites
CITIZENS FIRST CORP Files SEC form 10-K, Annual Report Mar 23 2017
CITIZENS FIRST CORP Files SEC form 8-K, Financial Statements and Exhibits Mar 22 2017
CITIZENS FIRST CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Feb 08 2017
Citizens First Corp. :CZFC-US: Earnings Analysis: Q4, 2016 By the Numbers : January 20, 2017 Jan 20 2017
CITIZENS FIRST CORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Jan 19 2017
Citizens First Corporation Announces Fourth Quarter and Year End 2016 Results Jan 19 2017
Citizens First Corp. : CZFC-US: Dividend Analysis : October 31st, 2016 (record date) : By the... Dec 27 2016
CITIZENS FIRST CORP Financials Nov 18 2016
CITIZENS FIRST CORP Files SEC form 10-Q, Quarterly Report Nov 10 2016
Citizens First Corp. :CZFC-US: Earnings Analysis: Q3, 2016 By the Numbers : October 24, 2016 Oct 24 2016
Citizens First Corporation Announces Third Quarter 2016 Results and Declares Common Dividend Oct 20 2016
CITIZENS FIRST CORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Oct 20 2016
Citizens First Corporation Announces Third Quarter 2016 Results and Declares Common Dividend Oct 20 2016
CITIZENS FIRST CORP Files SEC form 10-Q, Quarterly Report Aug 11 2016
Citizens First Corp. :CZFC-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3, 2016 Aug 03 2016
CITIZENS FIRST CORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Jul 21 2016
Citizens First Corporation Announces Second Quarter 2016 Results Jul 21 2016
Citizens First Corp. :CZFC-US: Earnings Analysis: Q1, 2016 By the Numbers : June 28, 2016 Jun 28 2016
CITIZENS FIRST CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 23 2016
CITIZENS FIRST CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 18 2016

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