CZFC Fair Value Estimate
$58.79128.9% undervalued
Blended fair value estimate based on DCF, Graham Number, and earnings-based models.
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
GoodMoat Value
$58.79
128.9% undervaluedProfile
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) Valuation
CZFC Valuation Metrics
FCF$5.96M
FCF Growth Rate-1.87%
EPS Growth (CAGR)7.21%
WACC10.00%
Fair Value Models
Graham Number, PEG-based, and Earnings-based models
View Fair Value →CZFC Valuation & Fair Value Analysis
Citizens First Corp (CZFC) valuation analysis using multiple fair value methodologies. GoodMoat calculates a blended fair value target using discounted cash flow (DCF) analysis, the Graham Number, and earnings-based valuation models.
The GoodMoat Fair Value target for Citizens First Corp is $58.79. The current stock price is $25.68, suggesting the stock is 128.9% undervalued.
The price-to-earnings (P/E) ratio is 13.43. Price-to-book ratio is 1.30. Price-to-sales ratio is 3.40. Enterprise value to EBITDA is 11.67. PEG ratio is 5.77.
GoodMoat's valuation models include the Graham Number (based on EPS and book value), an earnings-based model (discounted future EPS), and a PEG-adjusted valuation. The three models are averaged to produce a blended fair value estimate. Use these tools alongside the DCF calculator and reverse DCF to form a comprehensive view of Citizens First Corp's intrinsic value.