Citizens First Balance Sheet - Annual (NASDAQ:CZFC)

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$23.75 $0.33 (1.37%) CZFC stock closing price Sep 22, 2017 (Closing)

The Citizens First balance sheet is a snapshot of the company's financial health at a given point of time, whereas the other two financial statements are for a particular accounting period. 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. Quarterly results announcements include the release of all three financial statements, of which the balance sheet is one. Citizens First revenue was $21.41M and Citizens First operating cash flow was $5.28M forĀ 2016. The balance sheet shows total liabilities of $413.05M and shareholders equity of $42.36M. View latest 0 year balance sheet data to check Citizens First financial performance.

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Quarterly
Annual
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Fiscal year is Jan - Dec.2016201520142013201220112010200920082007
Cash19.56M17.98M11.32M37.06M34.79M30.54M14.81M9.75M15.33M13.86M
Marketable Securities----------
Receivables356.15M327.54M315.11M291.96M294.69M290.34M265.24M262.04M270.28M254.41M
Inventory0.26M---0.06M0.18M0.15M0.29M0.55M0.79M
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
Citizens First Total Current Assets
375.98M345.52M326.44M329.03M329.55M321.07M280.2M272.09M286.17M269.07M
Property Plant & Equipment15.38M15.86M16.49M16.26M17.62M17.27M15.11M15.01M14.6M-
Accumulated Depreciation5.99M5.87M5.73M5.2M6.05M5.42M4.75M4.17M3.28M-
Citizens First Net Property Plant & Equipment
9.39M9.99M10.75M11.05M11.56M11.84M10.35M10.84M11.31M12.12M
Investment & Advances55.57M62.22M61.01M53.65M48.66M52.74M41.55M43.08M41.95M44.26M
Other Non-Current Assets-0.1M0.19M0.83M0.19M0.63M1.36M---
Deferred Charges1.46M1.32M1.47M2.27M2.18M2.97M3.67M3.88M2.97M0.21M
Intangibles4.29M4.36M4.43M4.76M5.09M5.44M3.6M3.86M4.14M13.14M
Deposits & Other Assets8.72M8.63M8.49M8.55M9.3M9.07M8.97M10.44M8.57M7.52M
Citizens First Total Assets
455.42M432.18M412.81M410.17M406.55M403.79M349.73M344.23M355.12M346.35M
Notes Payable------0.71M0.8M8.25M3.18M
Accounts Payable370.43M370.38M341.78M342.95M331.73M332.73M288.74M288.52M273.01M282.27M
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses0.22M0.21M0.23M0.24M0.23M0.27M0.35M0.44M0.68M0.95M
Income Taxes Payable----------
Other Current Liabilities----------
Citizens First Total Current Liabilities
370.65M370.6M342.01M343.19M331.97M333M289.8M289.76M281.95M286.4M
Mortgages----------
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt40M20M30.5M27M31M30M20M16.5M32.5M20.31M
Non-Current Capital Leases----------
Other Long-Term Liabilities2.39M2.05M1.85M1.63M2.01M1.91M1.62M1.11M1.38M2.33M
Citizens First Total Liabilities
413.05M392.65M374.36M371.82M364.99M364.92M311.42M307.37M315.84M309.05M
Minority Interest----------
Preferred Stock7.26M7.65M7.65M10.92M14.17M14.13M16.24M16.18M16.11M7.65M
Common Stock Net25.92M25.4M27.07M27.07M27.07M27.07M27.07M27.07M27.05M26.57M
Capital Surplus----------
Retained Earnings9.7M6.3M3.37M0.65M-0.43M-2.7M-4.35M-5.87M-3.22M3.14M
Treasury Stock----------
Other Liabilities-0.52M0.15M0.34M-0.3M0.74M0.37M-0.65M-0.52M-0.66M-0.08M
Citizens First Shareholders Equity
42.36M39.52M38.44M38.34M41.56M38.87M38.3M36.85M39.28M37.29M
Citizens First Total Liabilities & Shareholders Equity
455.42M432.18M412.81M410.17M406.55M403.79M349.73M344.23M355.12M346.35M
All figures in USD. M: Millions of USD, B: Billions of USD.
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Most investors just check the Citizens First stock price, and Citizens First historical stock prices before investing. While share price is an important factor, one should also look at financials and valuation metrics like the Citizens First PE ratio chart. Below is a brief explanation of common balance sheet terms:
  • Assets: An asset is a resource that a corporation like Citizens First owns and has monetary significance. CZFC assets grew from $432.18M in 2015 to $455.42M in 2016 . 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 $413.05M.
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Citizens First Balance Sheet - Key Ratios

Current ratio
1.05
Debt to equity ratio
1.02
Asset turnover ratio
0.05
Receivables turnover
0.06
price to book ratio
1.17