Citizens First Balance Sheet - Quarterly (NASDAQ:CZFC)

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

The fundamental analysis of this company requires a thorough look at Citizens First balance sheet. Balance sheet items like cash at hand, total assets and liabilities helps one analyze a company and summarize the financial performance of the company like we have in our Citizens First stock analysis. Quarterly results are typically accompanied with the company releasing financial statements. Citizens First had a long term debt of $43M at the end of 2016-Q3. Citizens First operating cash flow was $4.13M while Citizens First revenue stood at $5.41M. View Citizens First quarterly results to get the balance sheet details for the latest & last 40 quarters data..

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2
Cash20.96M10.08M19.46M17.98M13.68M33.53M28.41M11.32M13.24M22.83M
Marketable Securities----------
Receivables339.76M343.6M326.69M327.54M323.72M310.63M316.12M315.11M307.61M308.03M
Inventory-0.11M0.37M-0.15M0.08M0.31M--0.28M
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
Citizens First Total Current Assets
360.72M353.8M346.53M345.52M337.56M344.24M344.85M326.44M320.85M331.15M
Property Plant & Equipment---15.86M---16.49M--
Accumulated Depreciation---5.87M---5.73M--
Citizens First Net Property Plant & Equipment
9.46M9.54M9.89M9.99M9.97M10.64M10.77M10.75M10.8M10.88M
Investment & Advances57.44M60.56M63.69M62.22M62.09M60.37M60.93M61.01M64.27M57.43M
Other Non-Current Assets-0.06M0.1M0.1M0.2M0.21M0.26M0.19M0.58M0.59M
Deferred Charges1.01M1.17M1.26M1.32M1.51M1.54M1.35M1.47M1.59M1.61M
Intangibles4.3M4.32M4.34M4.36M4.38M4.39M4.41M4.43M4.51M4.59M
Deposits & Other Assets8.71M8.77M8.89M8.63M8.54M8.67M8.53M8.49M8.39M8.53M
Citizens First Total Assets
441.67M438.25M434.72M432.18M424.28M430.1M431.13M412.81M411.01M414.81M
Notes Payable-----0.71M0.8M8.25M3.18M4.27M
Accounts Payable353.82M353.43M363.18M370.38M362.49M368.79M365.36M341.78M337.18M345.81M
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses0.21M0.22M0.22M0.21M0.23M0.24M0.24M0.23M0.23M0.23M
Income Taxes Payable----------
Other Current Liabilities----------
Citizens First Total Current Liabilities
354.04M353.65M363.4M370.6M362.72M369.03M365.6M342.01M337.41M346.04M
Mortgages----------
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt43M41M29M20M20.5M21M24.5M30.5M34M30.3M
Non-Current Capital Leases----------
Other Long-Term Liabilities2.24M2.15M1.88M2.05M2.32M2.02M1.67M1.85M1.96M1.66M
Citizens First Total Liabilities
399.28M396.8M394.28M392.65M385.54M392.06M391.78M374.36M373.38M378.01M
Minority Interest----------
Preferred Stock7.26M7.26M7.26M7.65M7.65M7.65M7.65M7.65M7.65M7.65M
Common Stock Net25.89M25.86M25.81M25.4M25.36M25.36M27.07M27.07M27.07M27.07M
Capital Surplus----------
Retained Earnings8.88M7.87M7.08M6.3M5.44M4.79M4.02M3.37M2.61M1.81M
Treasury Stock----------
Other Liabilities0.34M0.44M0.27M0.15M0.27M0.21M0.59M0.34M0.28M0.25M
Citizens First Shareholders Equity
42.39M41.44M40.43M39.52M38.73M38.03M39.35M38.44M37.63M36.8M
Citizens First Total Liabilities & Shareholders Equity
441.67M438.25M434.72M432.18M424.28M430.1M431.13M412.81M411.01M414.81M
All figures in USD. M: Millions of USD, B: Billions of USD.
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Apart from balance sheet items, an investor would do well to keep track of the Citizens First stock price by looking at Citizens First historical stock prices. One can compare PE with industry average by looking at the Citizens First PE ratio chart. The common balance sheet items are:
  • Assets: An asset is a resource that a corporation like Citizens First owns and has monetary significance. CZFC assets grew from $438.25M in 2016-Q2 to $441.67M in 2016-Q3 . Assets can be of two types: fixed assets like real estate, plant and machinery; and current assets which includes cash, accounts receivable etc. Tech stocks typically don't have too many assets.
  • 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 $399.28M.
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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