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8.5 (1y: +6%)
Market Cap 16.6 M P/E(ttm) 11.10
Enterprise Value 61.84 M P/B 0.61
CZFC- NAS (USA)
Citizens First Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$8.50
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 6/10

vs
industry		 vs
history
Cash to Debt 1.91
CZFC's Cash to Debt is ranked higher than
66% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CZFC: 1.91 )
CZFC' s 10-Year Cash to Debt Range
Min: 0.28   Max: No Debt
Current: 1.91
Equity to Asset 0.09
CZFC's Equity to Asset is ranked lower than
52% of the 902 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: 0.06   Max: 0.15
Current: 0.09
0.06
0.15
Interest Coverage No Debt
CZFC's Interest Coverage is ranked higher than
75% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. CZFC: No Debt )
CZFC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.21
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 8/10

vs
industry		 vs
history
Operating margin (%) 23.90
CZFC's Operating margin (%) is ranked lower than
51% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. CZFC: 23.90 )
CZFC' s 10-Year Operating margin (%) Range
Min: -59.6   Max: 36.9
Current: 23.9
-59.6
36.9
Net-margin (%) 17.6
CZFC's Net-margin (%) is ranked lower than
51% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. CZFC: 17.6 )
CZFC' s 10-Year Net-margin (%) Range
Min: -40.9   Max: 24.3
Current: 17.6
-40.9
24.3
ROE (%) 7.6
CZFC's ROE (%) is ranked higher than
59% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CZFC: 7.6 )
CZFC' s 10-Year ROE (%) Range
Min: -14.4   Max: 11.2
Current: 7.6
-14.4
11.2
ROA (%) 0.8
CZFC's ROA (%) is ranked higher than
60% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. CZFC: 0.8 )
CZFC' s 10-Year ROA (%) Range
Min: -1.6   Max: 1.1
Current: 0.8
-1.6
1.1
ROC (Joel Greenblatt) (%) 214.00
CZFC's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CZFC: 214.00 )
CZFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -397   Max: 214
Current: 214
-397
214
Revenue Growth (%) 5.4
CZFC's Revenue Growth (%) is ranked higher than
81% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CZFC: 5.4 )
CZFC' s 10-Year Revenue Growth (%) Range
Min: -4.4   Max: 22.1
Current: 5.4
-4.4
22.1
ยป CZFC's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry		 vs
history
P/E(ttm) 11.10
CZFC's P/E(ttm) is ranked higher than
69% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CZFC: 11.10 )
CZFC' s 10-Year P/E(ttm) Range
Min: 6.48   Max: 100.78
Current: 11.1
6.48
100.78
P/B 0.61
CZFC's P/B is ranked higher than
81% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. CZFC: 0.61 )
CZFC' s 10-Year P/B Range
Min: 0.29   Max: 2.49
Current: 0.61
0.29
2.49
P/S 0.97
CZFC's P/S is ranked higher than
88% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. CZFC: 0.97 )
CZFC' s 10-Year P/S Range
Min: 0.51   Max: 3.87
Current: 0.97
0.51
3.87
PFCF 3.07
CZFC's PFCF is ranked higher than
73% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CZFC: 3.07 )
CZFC' s 10-Year PFCF Range
Min: 1.84   Max: 95.45
Current: 3.07
1.84
95.45
EV-to-EBIT 18.85
CZFC's EV-to-EBIT is ranked lower than
58% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. CZFC: 18.85 )
CZFC' s 10-Year EV-to-EBIT Range
Min: 6.2   Max: 129.5
Current: 18.85
6.2
129.5
Shiller P/E 1367.9
CZFC's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. CZFC: 1367.9 )
CZFC' s 10-Year Shiller P/E Range
Min: 5.67   Max: 120.57
Current: 1367.9
5.67
120.57

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.7
CZFC's Price/Tangible Book is ranked higher than
85% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CZFC: 0.7 )
CZFC' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 1.8
Current: 0.7
0.4
1.8
Price/DCF (Projected) 0.2
CZFC's Price/DCF (Projected) is ranked higher than
91% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CZFC: 0.2 )
CZFC' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 0.6
Current: 0.2
0.1
0.6
Price/Median PS Value 0.6
CZFC's Price/Median PS Value is ranked higher than
75% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CZFC: 0.6 )
CZFC' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 2.8
Current: 0.6
0.4
2.8
Price/Graham Number 0.4
CZFC's Price/Graham Number is ranked higher than
85% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CZFC: 0.4 )
CZFC' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 1.1
Current: 0.4
0.3
1.1
Earnings Yield (Greenblatt) 5.30
CZFC's Earnings Yield (Greenblatt) is ranked higher than
51% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. CZFC: 5.30 )
CZFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 16.1
Current: 5.3
0.8
16.1
Forward Rate of Return (Yacktman) 21.47
CZFC's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. CZFC: 21.47 )
CZFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.1   Max: 45.1
Current: 21.47
6.1
45.1

Business Description

Citizens First Corporation was incorporated in Kentucky in 1975. It is involved in the banking business, mainly serving customers in the Kentucky counties of Barren, Hart, Simpson and Warren. 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. It originates and maintains an amount of commercial real estate loans. 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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป 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 
Weekly CFO Buys Highlight: New Generation Biofuels Holdings, Cowen Group, Ocean Shore Holding, Citiz Dec 28 2009 
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 

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