1. How to use GuruFocus - Tutorials
  2. What Is in the GuruFocus Premium Membership?
  3. A DIY Guide on How to Invest Using Guru Strategies
insider
insider
Articles 

Citizens First Corp (CZFC) Files 10-K for the Fiscal Year Ended on December 31, 2017

March 13, 2018 | About:

Citizens First Corp (NASDAQ:CZFC) files its latest 10-K with SEC for the fiscal year ended on December 31, 2017. Citizens First Corp is the bank holding company for Citizens First Bank based in the United States. It generates revenue through interest incomes received from the offering of loan products Citizens First Corp has a market cap of $61.740 million; its shares were traded at around $24.44 with a P/E ratio of 15.28 and P/S ratio of 3.34. The dividend yield of Citizens First Corp stocks is 0.65%. Citizens First Corp had annual average EBITDA growth of 2.60% over the past five years.

For the last quarter Citizens First Corp reported a revenue of $4.93 million, compared with the revenue of $4.46 million during the same period a year ago. For the latest fiscal year the company reported a revenue of $19.1 million, an increase of 1.2% from last year. For the last five years Citizens First Corp had an average revenue growth rate of 1.6% a year.

The reported diluted earnings per share was $1.6 for the year, a decline of 3.6% from the previous year. Over the last five years Citizens First Corp had an EPS growth rate of 16.7% a year. The Citizens First Corp enjoyed an operating margin of 33.68%, compared with the operating margin of 31.83% a year before. The 10-year historical median operating margin of Citizens First Corp is 21.07%. The profitability rank of the company is 4 (out of 10).

At the end of the fiscal year, Citizens First Corp has the cash and cash equivalents of $20.0 million, compared with $19.6 million in the previous year. The long term debt was $45.0 million, compared with $40.0 million in the previous year. The interest coverage to the debt is 2.1, which is not a favorable level. Citizens First Corp has a financial strength rank of 4 (out of 10).

At the current stock price of $24.44, Citizens First Corp is traded at 185.2% premium to its historical median P/S valuation band of $8.57. The P/S ratio of the stock is 3.34, while the historical median P/S ratio is 1.17. The stock gained 24.19% during the past 12 months.

Directors and Officers Recent Trades:

  • Director Mark Iverson bought 1,000 shares of CZFC stock on 03/02/2018 at the average price of $23.75. The price of the stock has increased by 2.91% since.
  • Director Amy Hale Milliken bought 485 shares of CZFC stock on 03/01/2018 at the average price of $23.8. The price of the stock has increased by 2.69% since.

For the complete 20-year historical financial data of CZFC, click here.


Rating: 0.0/5 (0 votes)

Comments

Please leave your comment:


Performances of the stocks mentioned by insider


User Generated Screeners


HOLKLSUTop 20 Group 2018 Q3 SHUT Sect
HOLKLSULucky 20 Value 2018 Q3 SHUT Se
CarstinTangible Book Discount 50% +
chinhsifish-revised
chinhsifish
ChabiCurt-Lrg Cap. Fin-5, Profit-7,
alonsoFirst_Pass
jjhgef131 BB
aboer52DN Prof▼5Pred▼1Pi▼5JG▼
DBrizanAM 23Jun2018 1252Ap
Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)

GF Chat

{{numOfNotice}}
FEEDBACK