Citizens First Balance Sheet - Annual (NASDAQ:CZFC)

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$17.25 $0.07 (0.4%) CZFC stock closing price Dec 09, 2016 (Closing)

The fundamental analysis of this company requires a thorough look at Citizens First balance sheet. Financial strength can be guaged by performing Citizens First stock analysis and by analyzing the balance sheet. A company releases its balance sheet every quarter along with its quarterly results. The Citizens First balance sheet for 2015 shows cash on hand of $17.98M. The cash has increased by $6.66M. Citizens First revenue was $20.96M and Citizens First operating cash flow was $5.12M. View latest and last 10 year balance sheet data to check Citizens First financial performance..

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Cash17.98M11.32M37.06M34.79M30.54M14.81M9.75M15.33M13.86M29.85M
Marketable Securities----------
Receivables327.54M315.11M291.96M294.69M290.34M265.24M262.04M270.28M254.41M239.25M
Inventory---0.06M0.18M0.15M0.29M0.55M0.79M0.1M
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
Citizens First Total Current Assets
345.52M326.44M329.03M329.55M321.07M280.2M272.09M286.17M269.07M269.21M
Property Plant & Equipment15.86M16.49M16.26M17.62M17.27M15.11M15.01M14.6M--
Accumulated Depreciation5.87M5.73M5.2M6.05M5.42M4.75M4.17M3.28M--
Citizens First Net Property Plant & Equipment
9.99M10.75M11.05M11.56M11.84M10.35M10.84M11.31M12.12M11.17M
Investment & Advances62.22M61.01M53.65M48.66M52.74M41.55M43.08M41.95M44.26M44.55M
Other Non-Current Assets0.1M0.19M0.83M0.19M0.63M1.36M----
Deferred Charges1.32M1.47M2.27M2.18M2.97M3.67M3.88M2.97M0.21M0.3M
Intangibles4.36M4.43M4.76M5.09M5.44M3.6M3.86M4.14M13.14M13.14M
Deposits & Other Assets8.63M8.49M8.55M9.3M9.07M8.97M10.44M8.57M7.52M0.37M
Citizens First Total Assets
432.18M412.81M410.17M406.55M403.79M349.73M344.23M355.12M346.35M338.77M
Notes Payable-----0.71M0.8M8.25M3.18M4.27M
Accounts Payable370.38M341.78M342.95M331.73M332.73M288.74M288.52M273.01M282.27M279.37M
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses0.21M0.23M0.24M0.23M0.27M0.35M0.44M0.68M0.95M0.72M
Income Taxes Payable----------
Other Current Liabilities----------
Citizens First Total Current Liabilities
370.6M342.01M343.19M331.97M333M289.8M289.76M281.95M286.4M284.36M
Mortgages----------
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt20M30.5M27M31M30M20M16.5M32.5M20.31M16.35M
Non-Current Capital Leases----------
Other Long-Term Liabilities2.05M1.85M1.63M2.01M1.91M1.62M1.11M1.38M2.33M1.56M
Citizens First Total Liabilities
392.65M374.36M371.82M364.99M364.92M311.42M307.37M315.84M309.05M302.28M
Minority Interest----------
Preferred Stock7.65M7.65M10.92M14.17M14.13M16.24M16.18M16.11M7.65M7.65M
Common Stock Net25.4M27.07M27.07M27.07M27.07M27.07M27.07M27.05M26.57M26.57M
Capital Surplus----------
Retained Earnings6.3M3.37M0.65M-0.43M-2.7M-4.35M-5.87M-3.22M3.14M2.63M
Treasury Stock---------0.38M
Other Liabilities0.15M0.34M-0.3M0.74M0.37M-0.65M-0.52M-0.66M-0.08M-
Citizens First Shareholders Equity
39.52M38.44M38.34M41.56M38.87M38.3M36.85M39.28M37.29M36.48M
Citizens First Total Liabilities & Shareholders Equity
432.18M412.81M410.17M406.55M403.79M349.73M344.23M355.12M346.35M338.77M
All figures in USD. M: Millions of USD, B: Billions of USD.
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The latest Citizens First stock price, and Citizens First historical stock prices show the stock price movement over time, and the Citizens First PE ratio chart displays the PE ratio movement. Apart from stock price, one should also look at balance sheet items which mainly comprise of the following:
  • Assets: An asset is a resource that a corporation like Citizens First owns and has economic value. The two major types of assets are: fixed assets like real estate, plant and machinery and current assets like cash, marketable securities and inventory. The total asset value for CZFC stock as of year is $432.18M. Its easy to associate the term with manufacturing companies, which invest a lot in factories and equipment. However, the same cannot be said about tech stocks.
  • Liabilities or obligations comprise of current liabilities that include short term loans, amounts payable to suppliers, or any other outstanding payments including long term liabilities that take into account long term loans for funding large projects. The total liabilities for Citizens First is $392.65M. Shareholders' equity comes under liabilities as it is money the company owes the holders of CZFC stock.
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Citizens First Balance Sheet - Key Ratios

Current ratio
1.02
Debt to Equity ratio
1.01
Asset Turnover
ratio
0.05
receivables turnover
ratio
0.07
PB ratio (
price to book ratio
)
0.8600