Citizens First Balance Sheet - Quarterly (NASDAQ:CZFC)

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$22.45 $1.3 (5.47%) CZFC stock closing price Sep 25, 2017 (Closing)

A balance sheet is one of the three key financial statements released by a publicly listed company like Citizens First, and helps in stock analysis. Financial strength can be guaged by performing Citizens First stock analysis and by analyzing the balance sheet. A company releases its balance sheet every quarter along with its quarterly results. Citizens First revenue was $5.53M and Citizens First operating cash flow was $2.22M forĀ 2017-Q2. The balance sheet shows total liabilities of $418.01M and shareholders equity of $44.33M. View Citizens First quarterly results to get the balance sheet details for the latest 40 quarters data.

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Quarterly
Annual
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Fiscal year is Jan - Dec.2017 Q22017 Q12016 Q42016 Q32016 Q22016 Q12015 Q42015 Q32015 Q22015 Q1
Cash31.12M29.25M19.56M20.96M10.08M19.46M17.98M13.68M33.53M28.41M
Marketable Securities----------
Receivables357M362.04M356.15M339.76M343.6M326.69M327.54M323.72M310.63M316.12M
Inventory-0.22M0.26M-0.11M0.37M-0.15M0.08M0.31M
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
Citizens First Total Current Assets
388.12M391.51M375.98M360.72M353.8M346.53M345.52M337.56M344.24M344.85M
Property Plant & Equipment--15.38M---15.86M---
Accumulated Depreciation--5.99M---5.87M---
Citizens First Net Property Plant & Equipment
9.21M9.31M9.39M9.46M9.54M9.89M9.99M9.97M10.64M10.77M
Investment & Advances50.61M49.15M55.57M57.44M60.56M63.69M62.22M62.09M60.37M60.93M
Other Non-Current Assets----0.06M0.1M0.1M0.2M0.21M0.26M
Deferred Charges1.21M1.35M1.46M1.01M1.17M1.26M1.32M1.51M1.54M1.35M
Intangibles4.25M4.27M4.29M4.3M4.32M4.34M4.36M4.38M4.39M4.41M
Deposits & Other Assets8.93M8.85M8.72M8.71M8.77M8.89M8.63M8.54M8.67M8.53M
Citizens First Total Assets
462.35M464.45M455.42M441.67M438.25M434.72M432.18M424.28M430.1M431.13M
Notes Payable------0.71M0.8M8.25M3.18M
Accounts Payable370.86M373.39M370.43M353.82M353.43M363.18M370.38M362.49M368.79M365.36M
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses0.22M0.23M0.22M0.21M0.22M0.22M0.21M0.23M0.24M0.24M
Income Taxes Payable----------
Other Current Liabilities----------
Citizens First Total Current Liabilities
371.09M373.63M370.65M354.04M353.65M363.4M370.6M362.72M369.03M365.6M
Mortgages----------
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt45M46M40M43M41M29M20M20.5M21M24.5M
Non-Current Capital Leases----------
Other Long-Term Liabilities1.92M1.43M2.39M2.24M2.15M1.88M2.05M2.32M2.02M1.67M
Citizens First Total Liabilities
418.01M421.06M413.05M399.28M396.8M394.28M392.65M385.54M392.06M391.78M
Minority Interest----------
Preferred Stock-7.01M7.26M7.26M7.26M7.26M7.65M7.65M7.65M7.65M
Common Stock Net33.05M26.18M25.92M25.89M25.86M25.81M25.4M25.36M25.36M27.07M
Capital Surplus----------
Retained Earnings11.32M10.49M9.7M8.88M7.87M7.08M6.3M5.44M4.79M4.02M
Treasury Stock----------
Other Liabilities-0.03M-0.3M-0.52M0.34M0.44M0.27M0.15M0.27M0.21M0.59M
Citizens First Shareholders Equity
44.33M43.38M42.36M42.39M41.44M40.43M39.52M38.73M38.03M39.35M
Citizens First Total Liabilities & Shareholders Equity
462.35M464.45M455.42M441.67M438.25M434.72M432.18M424.28M430.1M431.13M
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: 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 $462.35M.
  • 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 $418.01M. 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
1.05
Debt to equity ratio
1.02
Asset turnover ratio
0.05
Receivables turnover
0.06
price to book ratio
1.1