Citizens First Cash Flow - Annual (NASDAQ:CZFC)

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$17 $0.07 (0.4%) CZFC stock closing price Oct 27, 2016 (Closing)

For analyzing any company like Citizens First from an investment perspective, its important to check the cash flow statement. The profit-loss statement shows Citizens First profits, the balance sheet shows Citizens First debt, and the cash flow statement reflects the liquidity and solvency of a firm. This statement reflects the company's ability to generate cash flows. This statement can tell if a company is running out of money while still being profitable and is useful in Citizens First stock analysis. Citizens First had a positive net income cash flow of $3.6M for the latest year. This report is very useful in measuring the short term viability of a company. Citizens First had an outflow of $0.28M from operating activities, $17.17M inflow due to financing activities, and $12.79M gain due to investing activities for 2015. View details of Citizens First cash flows for latest & last ten financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Citizens First Net Income Cash Flow
Depreciation Depletion Amortization Cash-Flow0.94M1.18M1.28M1.32M1.24M1.12M1.4M9.88M1.15M0.63M
Net Increase (Decrease) in Assets Liabilities0.06M0.48M0.75M0.41M0.39M1.36M-1.68M-0.74M0.55M0.06M
Cash From (used in) Discontinued Operations----------
Other Adjustments Net0.49M0.49M2.83M2.09M1.85M1.74M3.29M-0.97M0.21M1.17M
Citizens First Net Cash from (used by) Operating Activities
Increase (Decrease) in Prop Plant And Equipment-0.03M-0.23M-0.09M-0.33M-0.3M-0.3M-0.54M0.03M-1.74M-1.18M
Acquisition Disposition of Subsidiaires----15.86M-----5.45M
Increase (Decrease) in Investments-1.74M-6.58M-6.84M4.34M-9.64M1.25M-0.65M1.43M-16.3M-2.8M
Other Cash Inflow (Outflow) from Investment Activities-15.12M-22.87M-0.71M-5.93M-13.53M-5.33M3.14M-18.53M-5.89M0.07M
Citizens First Net Cash from (used by) Invesment Activities
Issuance (Purchase) of Equity Shares-1.7M-3.26M-3.3M--2.21M--8.73M-0.32M14.57M
Issuance (Repayment) of Debt Securities-10.5M3.5M-4M1M10M3.49M-16M12.18M3.96M-4.34M
Increase (Decrease) in Bank & Other Borrowings-----0.71M-0.08M-7.45M5.07M-1.09M6.15M
Payment of Dividends & Other Cash Distributions-0.67M-0.52M-0.7M-0.84M-0.86M-0.96M-0.95M-0.73M-0.71M-0.52M
Other Cash from (used by) Financing Activities
Citizens First Net Cash from (used by) Financing Activities
Effect of Exchange Rate Changes on Cash----------
Citizens First Net Change in Cash & Cash Equivalents
Cash & Equivalents at Beginning of Year11.32M37.06M34.79M30.54M14.81M9.75M15.33M13.86M29.85M15.74M
Cash & Equivalents at Year End15.25M11.32M37.06M34.79M30.54M14.81M9.75M15.33M13.86M29.85M
All figures in USD. M: Millions of USD, B: Billions of USD.

Citizens First stock comparison chart provides an easy way to compare the stock price with peers along with details of Citizens First stock price history.
The statement of cash flows can be categorized into three main sections:
  • Net Change in Cash and Cash Equivalents: Citizens First cash grew YoY to $3.6M, meaning the company is able to meet its expenditure and grow cash which will also eventually reflect in the Citizens First stock price movement.
  • Cash Flow from operating activities: Citizens First reported a positive operating cash flow of $5.12M for 2015 and has seen a decrease from the previous year. Operating cash flow or working capital comes from main business activities. Investors look for positive cash flow from recurring operating activities.
  • Growth companies (typically most tech companies) spend heavily  on investing activities and this figure was negative at $-16.9M for CZFC stock. Sometimes a company might have a negative overall cash flow which may not be really bad if it is due to investment expenses. Hence it is important to check the cash flow from investment activities.
  • Cash flow from financing activities shows the flow of cash between Citizens First and its owners and creditors and was $15.72M for 2015. Financing activities allow a company to raise capital, and repay bondholders.

Key Financial Ratios For Citizens First Cash Flow

FCF margin