Citizens First Cash Flow - Annual (NASDAQ:CZFC)

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$18 $0.05 (0.28%) CZFC stock closing price Jan 17, 2017 (Closing)

The Citizens First cash flow statement is one of the important reports considered by investors doing a fundamental analysis of the company. Financials statements like the income statement and balance sheet show that the company has Citizens First profits and Citizens First debt, while the cash flow statement provides details of cash flow movments. Citizens First cash flow analysis is possible because this statement breaks down how balance sheet accounts and income statement items affect cash and cash equivalents.  Citizens First had cash and cash equivalents of $11.32M at the beginning of the year and $15.25M at year end for 2015.   Citizens First saw a inflow of $12.79M from investing activities for 2015. View details of Citizens First cash flows for latest & last ten financial years.

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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
Citizens First Net Income Cash Flow
3.6M3.24M1.83M3.17M2.6M2.53M-1.62M-5.64M1.29M2.15M
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
5.12M5.4M6.71M7.01M6.09M6.77M1.38M2.52M3.22M4.01M
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
-16.9M-29.69M-7.65M-1.91M-7.61M-4.39M1.94M-17.06M-23.94M-9.37M
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
15.72M-1.45M3.21M-0.84M17.25M2.67M-8.91M16M4.73M19.46M
Effect of Exchange Rate Changes on Cash----------
Citizens First Net Change in Cash & Cash Equivalents
3.93M-25.74M2.26M4.25M15.73M5.05M-5.57M1.46M-15.98M14.1M
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.
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Citizens First stock price history provides insight into historical stock price fluctuations, and Citizens First stock comparison chart enables peer comparison. Some of the key terms used in the statement of cash flows are:
  • Citizens First has cash of $15.25M on hand. A healthy amount of cash on hand is necessary for any company. Cash has an opportunity cost associated with it, and too much cash in bank may mean that the firm has no or limited growth plans. Hence its important to track the Net Change in Cash and Cash Equivalents along with the Citizens First stock price.
  • 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: Financing activities include the cash that comes into a company in the form of loans or interest earned or shareholders money, as well as the cash that goes out. Citizens First earned $17.17M from financing activities,in the form of repayment of loans or interest paid, dividend pay-out to shareholders etc.
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Key Financial Ratios For Citizens First Cash Flow

FCF margin
0.36