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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.43
FCZA's Cash to Debt is ranked higher than
64% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FCZA: 0.43 )
FCZA' s 10-Year Cash to Debt Range
Min: 0.13   Max: No Debt
Current: 0.43

Equity to Asset 0.10
FCZA's Equity to Asset is ranked higher than
74% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FCZA: 0.10 )
FCZA' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.1

0.07
0.12
Interest Coverage 1.54
FCZA's Interest Coverage is ranked higher than
71% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FCZA: 1.54 )
FCZA' s 10-Year Interest Coverage Range
Min: 0.1   Max: 1.54
Current: 1.54

0.1
1.54
F-Score: 5
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 : 7/10

vs
industry
vs
history
Operating margin (%) 19.34
FCZA's Operating margin (%) is ranked higher than
61% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. FCZA: 19.34 )
FCZA' s 10-Year Operating margin (%) Range
Min: -176.71   Max: 35.92
Current: 19.34

-176.71
35.92
Net-margin (%) 14.99
FCZA's Net-margin (%) is ranked higher than
62% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. FCZA: 14.99 )
FCZA' s 10-Year Net-margin (%) Range
Min: -77.25   Max: 104.92
Current: 14.99

-77.25
104.92
ROE (%) 7.29
FCZA's ROE (%) is ranked higher than
70% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. FCZA: 7.29 )
FCZA' s 10-Year ROE (%) Range
Min: -38.44   Max: 13.01
Current: 7.29

-38.44
13.01
ROA (%) 0.70
FCZA's ROA (%) is ranked higher than
69% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCZA: 0.70 )
FCZA' s 10-Year ROA (%) Range
Min: -3.59   Max: 1.38
Current: 0.7

-3.59
1.38
ROC (Joel Greenblatt) (%) 63.38
FCZA's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. FCZA: 63.38 )
FCZA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -223.82   Max: 131.95
Current: 63.38

-223.82
131.95
Revenue Growth (%) 0.20
FCZA's Revenue Growth (%) is ranked higher than
73% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FCZA: 0.20 )
FCZA' s 10-Year Revenue Growth (%) Range
Min: -1.5   Max: 64.7
Current: 0.2

-1.5
64.7
» FCZA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

FCZA Guru Trades in Q4 2013

Jim Simons 16,700 sh (+14.38%)
Arnold Schneider 65,159 sh (+0.62%)
» More
Q1 2014

FCZA Guru Trades in Q1 2014

Jim Simons 21,382 sh (+28.04%)
Arnold Schneider 65,159 sh (unchged)
» More
Q2 2014

FCZA Guru Trades in Q2 2014

Jim Simons 25,000 sh (+16.92%)
Arnold Schneider 65,159 sh (unchged)
» More
Q3 2014

FCZA Guru Trades in Q3 2014

Jim Simons 30,700 sh (+22.8%)
Arnold Schneider 62,059 sh (-4.76%)
» More
» Details

Insider Trades

Latest Guru Trades with FCZA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Arnold Schneider 2012-12-31 Add 51.02%0.01%$4.95 - $6.07 $ 10.0981%56824
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of First Citizens Banc Corp

SymbolPriceYieldDescription
FCZAP31.005.20Deposit Shs Repr 1/40th 6 1/2 % Non-Cum Conv Red Perp Pfd Series -B-

Ratios

vs
industry
vs
history
P/E(ttm) 13.80
FCZA's P/E(ttm) is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FCZA: 13.80 )
FCZA' s 10-Year P/E(ttm) Range
Min: 8   Max: 51.06
Current: 13.8

8
51.06
P/B 0.80
FCZA's P/B is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FCZA: 0.80 )
FCZA' s 10-Year P/B Range
Min: 0.31   Max: 2.17
Current: 0.8

0.31
2.17
P/S 1.90
FCZA's P/S is ranked higher than
90% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. FCZA: 1.90 )
FCZA' s 10-Year P/S Range
Min: 0.48   Max: 4.6
Current: 1.9

0.48
4.6
PFCF 6.40
FCZA's PFCF is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FCZA: 6.40 )
FCZA' s 10-Year PFCF Range
Min: 1.23   Max: 59.19
Current: 6.4

1.23
59.19
EV-to-EBIT 12.36
FCZA's EV-to-EBIT is ranked higher than
82% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. FCZA: 12.36 )
FCZA' s 10-Year EV-to-EBIT Range
Min: -188.3   Max: 543.6
Current: 12.36

-188.3
543.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.90
FCZA's Dividend Yield is ranked lower than
59% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. FCZA: 1.90 )
FCZA' s 10-Year Dividend Yield Range
Min: 0.46   Max: 15.28
Current: 1.9

0.46
15.28
Dividend Payout 0.28
FCZA's Dividend Payout is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. FCZA: 0.28 )
FCZA' s 10-Year Dividend Payout Range
Min: 0.14   Max: 28
Current: 0.28

0.14
28
Yield on cost (5-Year) 1.90
FCZA's Yield on cost (5-Year) is ranked lower than
59% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. FCZA: 1.90 )
FCZA' s 10-Year Yield on cost (5-Year) Range
Min: 0.46   Max: 15.28
Current: 1.9

0.46
15.28
Share Buyback Rate -0.50
FCZA's Share Buyback Rate is ranked higher than
81% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FCZA: -0.50 )
FCZA' s 10-Year Share Buyback Rate Range
Min: 1.5   Max: -11.9
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.13
FCZA's Price/Tangible Book is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. FCZA: 1.13 )
FCZA' s 10-Year Price/Tangible Book Range
Min: 0.48   Max: 2.86
Current: 1.13

0.48
2.86
Price/DCF (Projected) 0.47
FCZA's Price/DCF (Projected) is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. FCZA: 0.47 )
FCZA' s 10-Year Price/DCF (Projected) Range
Min: 0.13   Max: 1.02
Current: 0.47

0.13
1.02
Price/Median PS Value 1.30
FCZA's Price/Median PS Value is ranked higher than
68% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. FCZA: 1.30 )
FCZA' s 10-Year Price/Median PS Value Range
Min: 0.36   Max: 13.3
Current: 1.3

0.36
13.3
Price/Graham Number 0.60
FCZA's Price/Graham Number is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FCZA: 0.60 )
FCZA' s 10-Year Price/Graham Number Range
Min: 0.37   Max: 2.86
Current: 0.6

0.37
2.86
Earnings Yield (Greenblatt) 8.10
FCZA's Earnings Yield (Greenblatt) is ranked higher than
79% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FCZA: 8.10 )
FCZA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 15.4
Current: 8.1

0.2
15.4
Forward Rate of Return (Yacktman) 12.43
FCZA's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. FCZA: 12.43 )
FCZA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6.1   Max: 53.5
Current: 12.43

-6.1
53.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First Citizens Banc Corporation was organized under the laws of the State of Ohio on February 19, 1987 and is a registered financial holding company. The Company through its subsidiary The Citizen Banking Company or Citizens provides community banking. The Corporation's primary business is incidental to the subsidiary bank. Citizens, located in Erie, Crawford, Champaign, Franklin, Logan, Summit, Huron, Ottawa, Union and Richland Counties, Ohio, conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. Traditional financial service competition for Citizens consists of large regional financial institutions, community banks, thrifts and credit unions operating within the Corporation's market area. It faces competition both in originating loans and in attracting deposits. The Company is subject to regulation under the Bank Holding Company Act of 1956, as amended (the BHCA) and the examination and reporting requirements of the Board of Governors of the Federal Reserve System (Federal Reserve Board). Under the BHCA, FCBC is subject to periodic examination by the Federal Reserve Board and is required to file periodic reports regarding its operations and any additional information that the Federal Reserve Board may require.
» More Articles for FCZA

Headlines

Articles On GuruFocus.com
How To Spot Potential 'Trade Of The Decade' Bargains Aug 12 2014 
First Citizens Banc Corp. (FCZA) CEO James O Miller buys 1,000 Shares Dec 08 2010 
First Citizens Banc Corp. (FCZA) CEO James O Miller buys 1,000 Shares Dec 08 2010 
First Citizens Banc Corp. Reports Operating Results (10-Q) Nov 09 2010 
First Citizens Banc Corp. (FCZA) CEO James O Miller buys 1,000 Shares Aug 25 2010 
First Citizens Banc Corp. Reports Operating Results (10-Q) Aug 09 2010 
First Citizens Banc Corp. Reports Operating Results (10-Q) May 10 2010 
First Citizens Banc Corp. Reports Operating Results (10-Q) Nov 09 2009 
First Citizens Banc Corp. Reports Operating Results (10-Q) Aug 10 2009 
First Citizens Banc Corp. Reports Operating Results (10-Q) May 11 2009 


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