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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 0.35
CZFC's Cash to Debt is ranked lower than
75% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CZFC: 0.35 )
Ranked among companies with meaningful Cash to Debt only.
CZFC' s 10-Year Cash to Debt Range
Min: 0.21  Med: 0.39 Max: No Debt
Current: 0.35
Equity to Asset 0.09
CZFC's Equity to Asset is ranked lower than
60% of the 1290 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 10-Year Equity to Asset Range
Min: 0.05  Med: 0.10 Max: 0.13
Current: 0.09
0.05
0.13
Interest Coverage 1.65
CZFC's Interest Coverage is ranked higher than
50% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CZFC: 1.65 )
Ranked among companies with meaningful Interest Coverage only.
CZFC' s 10-Year Interest Coverage Range
Min: 0.16  Med: 0.73 Max: 1.65
Current: 1.65
0.16
1.65
F-Score: 6
WACC vs ROIC
5.96%
5.69%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 26.30
CZFC's Operating margin (%) is ranked lower than
58% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. CZFC: 26.30 )
Ranked among companies with meaningful Operating margin (%) only.
CZFC' s 10-Year Operating margin (%) Range
Min: -59.57  Med: 16.93 Max: 36.89
Current: 26.3
-59.57
36.89
Net-margin (%) 18.99
CZFC's Net-margin (%) is ranked lower than
58% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. CZFC: 18.99 )
Ranked among companies with meaningful Net-margin (%) only.
CZFC' s 10-Year Net-margin (%) Range
Min: -40.94  Med: 12.13 Max: 24.32
Current: 18.99
-40.94
24.32
ROE (%) 8.85
CZFC's ROE (%) is ranked higher than
55% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. CZFC: 8.85 )
Ranked among companies with meaningful ROE (%) only.
CZFC' s 10-Year ROE (%) Range
Min: -14.73  Med: 5.87 Max: 11.73
Current: 8.85
-14.73
11.73
ROA (%) 0.80
CZFC's ROA (%) is ranked higher than
50% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CZFC: 0.80 )
Ranked among companies with meaningful ROA (%) only.
CZFC' s 10-Year ROA (%) Range
Min: -1.61  Med: 0.54 Max: 1.23
Current: 0.8
-1.61
1.23
ROC (Joel Greenblatt) (%) 42.57
CZFC's ROC (Joel Greenblatt) (%) is ranked lower than
67% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. CZFC: 42.57 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CZFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -83.73  Med: 25.79 Max: 63.91
Current: 42.57
-83.73
63.91
Revenue Growth (3Y)(%) 0.90
CZFC's Revenue Growth (3Y)(%) is ranked lower than
55% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CZFC: 0.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CZFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 2.60 Max: 30.5
Current: 0.9
0
30.5
EBITDA Growth (3Y)(%) 5.50
CZFC's EBITDA Growth (3Y)(%) is ranked lower than
55% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CZFC: 5.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CZFC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -14.4  Med: 15.60 Max: 368.8
Current: 5.5
-14.4
368.8
EPS Growth (3Y)(%) 16.80
CZFC's EPS Growth (3Y)(%) is ranked higher than
68% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. CZFC: 16.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CZFC' s 10-Year EPS Growth (3Y)(%) Range
Min: -24.3  Med: 11.90 Max: 24.4
Current: 16.8
-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) 9.56
CZFC's P/E(ttm) is ranked higher than
78% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CZFC: 9.56 )
Ranked among companies with meaningful P/E(ttm) only.
CZFC' s 10-Year P/E(ttm) Range
Min: 6.48  Med: 12.19 Max: 78.95
Current: 9.56
6.48
78.95
PE(NRI) 9.80
CZFC's PE(NRI) is ranked higher than
77% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CZFC: 9.80 )
Ranked among companies with meaningful PE(NRI) only.
CZFC' s 10-Year PE(NRI) Range
Min: 6.44  Med: 12.19 Max: 83.33
Current: 9.8
6.44
83.33
P/B 0.78
CZFC's P/B is ranked higher than
76% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CZFC: 0.78 )
Ranked among companies with meaningful P/B only.
CZFC' s 10-Year P/B Range
Min: 0.29  Med: 0.67 Max: 1.56
Current: 0.78
0.29
1.56
P/S 1.61
CZFC's P/S is ranked higher than
83% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. CZFC: 1.61 )
Ranked among companies with meaningful P/S only.
CZFC' s 10-Year P/S Range
Min: 0.51  Med: 1.10 Max: 12.57
Current: 1.61
0.51
12.57
PFCF 5.84
CZFC's PFCF is ranked higher than
69% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. CZFC: 5.84 )
Ranked among companies with meaningful PFCF only.
CZFC' s 10-Year PFCF Range
Min: 1.84  Med: 4.60 Max: 22.7
Current: 5.84
1.84
22.7
POCF 5.49
CZFC's POCF is ranked higher than
69% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. CZFC: 5.49 )
Ranked among companies with meaningful POCF only.
CZFC' s 10-Year POCF Range
Min: 1.78  Med: 3.87 Max: 20.19
Current: 5.49
1.78
20.19
EV-to-EBIT 10.45
CZFC's EV-to-EBIT is ranked higher than
70% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CZFC: 10.45 )
Ranked among companies with meaningful EV-to-EBIT only.
CZFC' s 10-Year EV-to-EBIT Range
Min: -14.3  Med: 15.60 Max: 66
Current: 10.45
-14.3
66
Shiller P/E 21.76
CZFC's Shiller P/E is ranked lower than
66% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. CZFC: 21.76 )
Ranked among companies with meaningful Shiller P/E only.
CZFC' s 10-Year Shiller P/E Range
Min: 5.6  Med: 21.46 Max: 105.5
Current: 21.76
5.6
105.5
Days Sales Outstanding 30.02
CZFC's Days Sales Outstanding is ranked higher than
58% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. CZFC: 30.02 )
Ranked among companies with meaningful Days Sales Outstanding only.
CZFC' s 10-Year Days Sales Outstanding Range
Min: 32.19  Med: 51.83 Max: 94.56
Current: 30.02
32.19
94.56

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.91
CZFC's Price/Tangible Book is ranked higher than
71% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CZFC: 0.91 )
Ranked among companies with meaningful Price/Tangible Book only.
CZFC' s 10-Year Price/Tangible Book Range
Min: 0.37  Med: 1.10 Max: 2.01
Current: 0.91
0.37
2.01
Price/Projected FCF 0.41
CZFC's Price/Projected FCF is ranked higher than
78% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CZFC: 0.41 )
Ranked among companies with meaningful Price/Projected FCF only.
CZFC' s 10-Year Price/Projected FCF Range
Min: 0.18  Med: 0.31 Max: 2.37
Current: 0.41
0.18
2.37
Price/Median PS Value 1.45
CZFC's Price/Median PS Value is ranked lower than
80% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CZFC: 1.45 )
Ranked among companies with meaningful Price/Median PS Value only.
CZFC' s 10-Year Price/Median PS Value Range
Min: 0.46  Med: 1.34 Max: 10.95
Current: 1.45
0.46
10.95
Price/Peter Lynch Fair Value 1.48
CZFC's Price/Peter Lynch Fair Value is ranked lower than
72% of the 357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CZFC: 1.48 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CZFC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.46  Med: 1.07 Max: 3.9
Current: 1.48
0.46
3.9
Price/Graham Number 0.48
CZFC's Price/Graham Number is ranked higher than
88% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. CZFC: 0.48 )
Ranked among companies with meaningful Price/Graham Number only.
CZFC' s 10-Year Price/Graham Number Range
Min: 0.28  Med: 0.52 Max: 2.3
Current: 0.48
0.28
2.3
Earnings Yield (Greenblatt) (%) 9.56
CZFC's Earnings Yield (Greenblatt) (%) is ranked higher than
73% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CZFC: 9.56 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CZFC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.5  Med: 6.30 Max: 13.4
Current: 9.56
1.5
13.4
Forward Rate of Return (Yacktman) (%) 30.08
CZFC's Forward Rate of Return (Yacktman) (%) is ranked higher than
77% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. CZFC: 30.08 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CZFC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -0.6  Med: 17.20 Max: 30.9
Current: 30.08
-0.6
30.9

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.
» More Articles for CZFC

Headlines

Articles On GuruFocus.com
comment on CZFC Apr 03 2012 
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 

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