Citizens First Balance Sheet - Annual (NASDAQ:CZFC)

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$18.63 $0.13 (0.68%) CZFC stock closing price Jan 20, 2017 (Closing)

A balance sheet is one of the three key financial statements released by a publicly listed company like Citizens First, and helps in stock analysis. Financial strength can be guaged by performing Citizens First stock analysis and by analyzing the balance sheet. Quarterly results are typically accompanied with the company releasing financial statements. Citizens First revenue was $20.96M and Citizens First operating cash flow was $5.12M for 2015. The balance sheet shows total liabilities of $392.65M and shareholders equity of $39.52M. 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: CZFC total assets, which was at $432.18M for 2015 is a balance sheet item representing value of what Citizens First owns. Assets are brought to aid a firms operations, or to increase its economic value. It must be noted that tech stocks may not have a lot of assets, as the value for these companies is often derived from future earning potential.
  • Liabilities: This item on the balance sheet implies the firm's, in this case Citizens First's, legal obligations including loans, accounts payable, deferred revenue, accrued expenses and mortgages. The total liabilities for CZFC stock stand at $392.65M.
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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
)
0.9290