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Citizens First Corp. (MM)
   

Citizens First Corp

Visual Financials
Company Name: Citizens First Corp
Ticker Symbol: CZFC
CIK Number: 0001073475
WWW Address: http://www.citizensfirstbank.com
CEO: M. Todd Kanipe
No. of Employees: 98
Common Issue Type: CS
Business Description:Citizens First Corporation is a bank holding company, which through its subsidiary, Citizens First Bank, Inc. is involved in the banking business, mainly serving customers in the Kentucky counties of Barren, Hart, Simpson and Warren.

 
Industry Information: BANKING - Regional - Southeast Banks [more like this]
 Price  Day Change  Bid  Ask  Open  High  Low  Volume 
 16.35 Unchanged 0.0 15.91 16.35  16.35 15.94 56
 Market Cap (mil) Shares Outstanding (mil) Beta EPS DPS P/E Yield 52-Wks-Range
 32.7 2.0 0.00 1.57 0.08 10.1 1.0 16.55 - 12.66
KEY FIGURES (Latest Twelve Months - LTM)
Yesterday's Close16.35$
PE Ratio - LTM10.1
Market Capitalisation32.7mil
Latest Shares Outstanding2.0mil
Earnings pS (EPS)1.57$
Dividend pS (DPS)0.08¢
Dividend Yield1.0%
Dividend Payout Ratio%
Revenue per Employee211,039$
Effective Tax Rate26.6%
Float1.8mil
Float as % of Shares Outstanding0.9%
Foreign Sales-
Domestic Sales-
Selling, General & Adm/tive (SG&A) as % of Revenue-
Research & Devlopment (R&D) as % of Revenue-
Gross Profit Margin-
EBITDA Margin0.0%
Pre-Tax Profit Margin0.0%
Assets Turnover4.3%
Return on Assets (ROA)0.7%
Return on Equity (ROE)9.9%
Return on Capital Invested (ROCI)0.0%
Current Ratio-
Leverage Ratio (Assets/Equity)13.6
Interest Cover
Total Debt/Equity (Gearing Ratio)0.63
LT Debt/Total Capital34.0%
Working Capital pS-
Cash pS-
Book-Value pS17.09$
Tangible Book-Value pS13.75$
Cash Flow pS2.01$
Free Cash Flow pS1.88$
KEY FIGURES (LTM): Price info
Price/Book Ratio0.91
Price/Tangible Book Ratio0.00
Price/Cash Flow7.8
Price/Free Cash Flow8.3
P/E as % of Industry Group381.0%
P/E as % of Sector Segment60.0%
 
Balance Sheet (at a glance) in Millions
DIVIDEND INFO
Type of Payment-
Dividend Rate0.08
Current Dividend Yield1.0
5-Y Average Dividend Yield0.0
Payout Ratio0.0
5-Y Average Payout Ratio0.0
Share price performance previous 3 years

Share price performance intraday

 
PRICE/VOLUMEHighLowClose% Price Chg% Price Chg vs. Mkt.Avg. Daily VolTotal Vol
1 Week----2.5-21,3512,112
4 Weeks16.5515.0115.125.251,02621,562
13 Weeks16.5513.7913.7915.4111,37087,723
26 Weeks16.5513.7513.7515.721,119143,245
52 Weeks16.5512.6612.7025.3131,287325,646
YTD16.5513.27-17.091,218198,565
Moving Average5-Days10-Days10-Weeks30-Weeks200-DaysBeta (60-Mnth)Beta (36-Mnth)
15.9415.9615.0914.3614.210.000.00
 
GROWTH RATES5-Year
Growh
R² of 5-Year Growth3-Year
Growth
Revenue0.040.20.01
Income0.070.30.04
Dividend0.0
Capital Spending-0.05NA-0.10
R&D0.00NA0.00
Normalized Inc.0.00NA0.00
 
CHANGESYTD vs.
Last YTD
Curr Qtr vs.
Qtr 1-Yr ago
Annual vs.
Last Annual
Revenue %-3.1-3.14.6
Earnings %-85.8-85.821.6
EPS %-100.0-100.037.0
EPS $-0.34-0.340.30
 
SOLVENCY RATIOS
SHORT-TERM SOLVENCY RATIOS (LIQUIDITY)
Free Cash Flow Margin-4.04
Free Cash Flow Margin 5YEAR AVG9.34
Cash-Flow pS0.00
Free Cash-Flow pS2.96
FINANCIAL STRUCTURE RATIOS
Financial Leverage Ratio (Assets/Equity)13.56
Debt Ratio90.85
Total Debt/Equity (Gearing Ratio)0.63
LT Debt/Equity0.63
LT Debt/Capital Invested38.56
LT Debt/Total Liabilities5.09
 
VALUATION RATIOS
MULTIPLES
PQ Ratio0.38
Tobin's Q Ratio0.07
Current P/E Ratio - LTM10.10
Enterprise Value (EV)/EBITDA0.00
Enterprise Value (EV)/Free Cash Flow79.98
Dividend Yield1.0
Price/Tangible Book Ratio - LTM0.00
Price/Book Ratio - LTM0.91
Price/Cash Flow Ratio7.8
Price/Free Cash Flow Ratio - LTM8.3
P/E Ratio (1 month ago) - LTM11.6
P/E Ratio (26 weeks ago) - LTM8.7
P/E Ratio (52 weeks ago) - LTM9.3
5-Y High P/E Ratio11.0
5-Y Low P/E Ratio3.8
5-Y Average P/E Ratio0.0
Current P/E Ratio as % of 5-Y Average P/E37
P/E as % of Industry Group381.0
P/E as % of Sector Segment60.0
Current 12 Month Normalized P/E Ratio - LTM9.3
PER SHARE FIGURES
Tangible Book Value pS - LTM13.75
Book Value pS - LTM17.09
Capital Invested pS25.93
Cash Flow pS - LTM2.01
Free Cash Flow pS - LTM1.88
Earnings pS (EPS)1.57
 
OPERATING RATIOS
PROFITABILITY
Return on Equity (ROE)14.90
Return on Equity (ROE) - 5YEAR AVRG.0.1
Return on Capital Invested (ROCI)6.95
Return on Capital Invested (ROCI) - 5YEAR AVRG.
Return on Assets (ROA)0.83
Return on Assets (ROA) - 5YEAR AVRG.0.0
EBIT Margin - LTM0.0
EBITDA Margin - LTM0.0
Pre-Tax Profit Margin154.16
Pre-Tax Profit Margin - 5YEAR AVRG.98.36
Net Profit Margin23.92
Net Profit Margin - 5YEAR AVRG.19.93
Effective Tax Rate6.10
Effective Tax Rate - 5YEAR AVRG.12.44
EFFICIENCY RATIOS
Revenue per Employee - LTM209,412
Net Income per Employee - LTM39,353
Assets/Revenue - LTM0.00
Assets/Revenue - 5YEAR AVRG.2,854.37



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