Citizens First Balance Sheet - Annual (NASDAQ:CZFC)

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$16.91 $0.71 (4.36%) CZFC stock closing price Oct 21, 2016 (Closing)

The financial analysis of a company involves interpreting the income statement, balance sheet and cash flow statements of the company to draw insights like we've done in our Citizens First stock analysis. As in our Citizens First stock analysis, analyzing a company also involves looking at the company's assets and liabilities as given in its balance sheet, which can be used to measure financial performance. A company releases its balance sheet every quarter along with its quarterly results. The Citizens First balance sheet for 2015 shows total assets of $432.18M. Citizens First revenue was $20.96M and Citizens First operating cash flow was $5.12M for the same year. View latest and last 10 year balance sheet data to check Citizens First financial performance..

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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Marketable Securities----------
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
Citizens First Total Current Assets
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
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
Deposits & Other Assets8.63M8.49M8.55M9.3M9.07M8.97M10.44M8.57M7.52M0.37M
Citizens First Total Assets
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
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
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
Citizens First Total Liabilities & Shareholders Equity
All figures in USD. M: Millions of USD, B: Billions of USD.

Looking at Citizens First historical stock prices and the current Citizens First stock price can tell you how the stock price has moved, whereas the Citizens First PE ratio chart shows if its shares are overpriced in comparison to peers. The important things to look for in a balance sheet are:
  • Assets: Anything that the Citizens First company owns and is a part of its books. Assets can be of three types: fixed, current and other assets which includes intangibles, advances. Internet companies typically don't have a lot of assets as there is not much investment in say machinery, equipment etc. Citizens First had total assets of $432.18M.
  • 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.

Citizens First Balance Sheet - Key Ratios

Current ratio
Debt to Equity ratio
Asset Turnover
receivables turnover
PB ratio (
price to book ratio