Citizens First Corp
Exchange: NASDAQSector: Financial ServicesIndustry: Banks - Regional
DELISTED - Citizens First Corporation is a bank holding company headquartered in Bowling Green, Kentucky and established in 1999. The Company has branch offices located in Barren, Hart, Simpson and Warren Counties in Kentucky, and a loan production office in Williamson County, Tennessee.
Current Price
$25.68
Profile
Valuation (TTM)
Market Cap$65.17M
P/E13.43
EV—
P/B1.30
Shares Out2.54M
P/Sales3.40
Revenue$19.19M
EV/EBITDA11.67
Citizens First Corp (CZFC) Stock Analysis
Market Cap$65.17M
Current Price$25.68
P/E Ratio13.43
Forward P/E—
PEG Ratio5.77
EPS$1.90
Book Value$19.71
P/B Ratio1.30
CZFC Financial Charts
FCF vs CAPEX
FCFCAPEX
Forward estimates use -1.9% FCF growth (CAGR)
Cash vs Debt
Net Debt: 115,000
Revenue
16M
FY12
15M
FY13
17M
FY14
18M
FY15
19M
FY16
19M
FY17
19M
FY18
Net Income
3M
FY12
2M
FY13
3M
FY14
4M
FY15
4M
FY16
4M
FY17
5M
FY18
Did you know?
Pays a 1.05% dividend yield.
Citizens First Corp (CZFC) Financial Summary
Citizens First Corp (CZFC) is a Financial Services company in the Banks - Regional industry, listed on NASDAQ. The stock currently trades at $25.68 with a market capitalization of $65.17M.
Key valuation metrics include a P/E ratio of 13.43, price-to-book ratio of 1.30, and EPS of $1.90. The company reports a profit margin of 25.3% and return on equity of 9.7%.
CZFC Key Financial Metrics
| Metric | Value |
|---|---|
| Market Cap | $65.17M |
| P/E Ratio | 13.43 |
| EPS | $1.90 |
| P/B Ratio | 1.30 |
| P/S Ratio | 3.40 |
| EV/EBITDA | 11.67 |
| Dividend Yield | 1.05% |
| Profit Margin | 25.3% |
| Return on Equity | 9.7% |
| Debt/Equity | 0.70 |
CZFC Revenue & Earnings History
| Year | Revenue | Net Income |
|---|---|---|
| FY12 | $16.38M | $3.17M |
| FY13 | $14.96M | $1.84M |
| FY14 | $17.04M | $3.24M |
| FY15 | $18.22M | $3.61M |
| FY16 | $19.32M | $4.22M |
| FY17 | $19.26M | $4.09M |
| FY18 | $19.19M | $4.82M |
CZFC Quality Indicators
Citizens First Corp maintains a profit margin of 25.3% and an operating margin of 31.0%. Return on equity stands at 9.7%. Debt-to-equity ratio is 0.70.
About Citizens First Corp
DELISTED - Citizens First Corporation is a bank holding company headquartered in Bowling Green, Kentucky and established in 1999. The Company has branch offices located in Barren, Hart, Simpson and Warren Counties in Kentucky, and a loan production office in Williamson County, Tennessee.
CZFC Free Cash Flow
Citizens First Corp generated $5.96M in trailing twelve-month free cash flow, representing an FCF yield of 9.15%. This strong FCF yield suggests the company generates substantial cash relative to its market value.
CZFC Shares Outstanding
Citizens First Corp has 0.00 billion shares outstanding at a share price of $25.68, giving it a market capitalization of $65.17M.