Citizens First Balance Sheet - Quarterly (NASDAQ:CZFC)

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

The financial analysis of a company like Citizens First involves checking the three financial statements of the company in detail, of which the balance sheet is one. A balance sheet can help evaluate the financial performance of a company. Ratios like return on total assets and current ratio, which also uses cash on hand can be used to measure the operating efficiency of a firm, and can be used to conduct a more accurate Citizens First stock analysis. A company releases its balance sheet every quarter along with its quarterly results. The Citizens First balance sheet for 2016-Q3 shows cash on hand of $20.96M. The cash has increased by $10.88M. Citizens First revenue was $5.41M and Citizens First operating cash flow was $4.13M. 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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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 $441.67M.
  • 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 $399.28M. 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