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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

vs
industry
vs
history
Cash to Debt 0.37
CZFC's Cash to Debt is ranked higher than
63% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CZFC: 0.37 )
CZFC' s 10-Year Cash to Debt Range
Min: 0.21   Max: No Debt
Current: 0.37

Equity to Asset 0.09
CZFC's Equity to Asset is ranked higher than
64% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CZFC: 0.09 )
CZFC' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.13
Current: 0.09

0.05
0.13
Interest Coverage 0.80
CZFC's Interest Coverage is ranked higher than
61% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CZFC: 0.80 )
CZFC' s 10-Year Interest Coverage Range
Min: 0.16   Max: 1.25
Current: 0.8

0.16
1.25
F-Score: 4
Z-Score: 0.13
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 (%) 18.07
CZFC's Operating margin (%) is ranked higher than
60% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. CZFC: 18.07 )
CZFC' s 10-Year Operating margin (%) Range
Min: -59.57   Max: 36.89
Current: 18.07

-59.57
36.89
Net-margin (%) 13.65
CZFC's Net-margin (%) is ranked higher than
61% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. CZFC: 13.65 )
CZFC' s 10-Year Net-margin (%) Range
Min: -40.94   Max: 24.32
Current: 13.65

-40.94
24.32
ROE (%) 6.31
CZFC's ROE (%) is ranked higher than
68% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. CZFC: 6.31 )
CZFC' s 10-Year ROE (%) Range
Min: -14.73   Max: 11.73
Current: 6.31

-14.73
11.73
ROA (%) 0.57
CZFC's ROA (%) is ranked higher than
66% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CZFC: 0.57 )
CZFC' s 10-Year ROA (%) Range
Min: -1.61   Max: 1.23
Current: 0.57

-1.61
1.23
ROC (Joel Greenblatt) (%) 28.21
CZFC's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 1746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. CZFC: 28.21 )
CZFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -83.73   Max: 63.91
Current: 28.21

-83.73
63.91
Revenue Growth (%) 3.70
CZFC's Revenue Growth (%) is ranked higher than
83% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CZFC: 3.70 )
CZFC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 30.5
Current: 3.7

0
30.5
EBITDA Growth (%) -9.30
CZFC's EBITDA Growth (%) is ranked higher than
59% of the 1376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CZFC: -9.30 )
CZFC' s 10-Year EBITDA Growth (%) Range
Min: -14.4   Max: 368.8
Current: -9.3

-14.4
368.8
EPS Growth (%) -11.50
CZFC's EPS Growth (%) is ranked higher than
60% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. CZFC: -11.50 )
CZFC' s 10-Year EPS Growth (%) Range
Min: -24.3   Max: 24.4
Current: -11.5

-24.3
24.4
» CZFC's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with CZFC

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Ratios

vs
industry
vs
history
P/E(ttm) 14.20
CZFC's P/E(ttm) is ranked higher than
77% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.00 vs. CZFC: 14.20 )
CZFC' s 10-Year P/E(ttm) Range
Min: 6.48   Max: 78.95
Current: 14.2

6.48
78.95
P/B 0.80
CZFC's P/B is ranked higher than
87% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CZFC: 0.80 )
CZFC' s 10-Year P/B Range
Min: 0.29   Max: 1.72
Current: 0.8

0.29
1.72
P/S 1.42
CZFC's P/S is ranked higher than
93% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. CZFC: 1.42 )
CZFC' s 10-Year P/S Range
Min: 0.51   Max: 12.57
Current: 1.42

0.51
12.57
PFCF 5.29
CZFC's PFCF is ranked higher than
92% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. CZFC: 5.29 )
CZFC' s 10-Year PFCF Range
Min: 1.84   Max: 22.7
Current: 5.29

1.84
22.7
EV-to-EBIT 16.03
CZFC's EV-to-EBIT is ranked higher than
74% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. CZFC: 16.03 )
CZFC' s 10-Year EV-to-EBIT Range
Min: 7.5   Max: 66
Current: 16.03

7.5
66

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.94
CZFC's Price/Tangible Book is ranked higher than
84% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. CZFC: 0.94 )
CZFC' s 10-Year Price/Tangible Book Range
Min: 0.37   Max: 2.01
Current: 0.94

0.37
2.01
Price/DCF (Projected) 0.32
CZFC's Price/DCF (Projected) is ranked higher than
93% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CZFC: 0.32 )
CZFC' s 10-Year Price/DCF (Projected) Range
Min: 0.18   Max: 2.3
Current: 0.32

0.18
2.3
Price/Median PS Value 1.31
CZFC's Price/Median PS Value is ranked higher than
64% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CZFC: 1.31 )
CZFC' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 11.13
Current: 1.31

0.47
11.13
Price/Graham Number 0.56
CZFC's Price/Graham Number is ranked higher than
92% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CZFC: 0.56 )
CZFC' s 10-Year Price/Graham Number Range
Min: 0.28   Max: 2.3
Current: 0.56

0.28
2.3
Earnings Yield (Greenblatt) 6.20
CZFC's Earnings Yield (Greenblatt) is ranked higher than
67% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CZFC: 6.20 )
CZFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 13.4
Current: 6.2

1.5
13.4
Forward Rate of Return (Yacktman) 15.34
CZFC's Forward Rate of Return (Yacktman) is ranked higher than
75% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.57 vs. CZFC: 15.34 )
CZFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.1   Max: 24.7
Current: 15.34

-1.1
24.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.

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