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Citizens First Corp (CZFC) Files 10-K for the Fiscal Year Ended on December 31, 2018

- By insider

Citizens First Corp ( CZFC ) files its latest 10-K with SEC for the fiscal year ended on December 31, 2018. Citizens First Corp is the bank holding company. It is engaged in the business of accepting demand, savings, time deposits and providing commercial, consumer and mortgage loans to the general public. Citizens First Corp has a market cap of $65.340 million; its shares were traded at around $25.75 with a P/E ratio of 13.62 and P/S ratio of 3.36. The dividend yield of Citizens First Corp stocks is 1.09%.


For the last quarter Citizens First Corp reported a revenue of $4.79 million, compared with the revenue of $4.93 million during the same period a year ago. For the latest fiscal year the company reported a revenue of $19.4 million, an increase of 1.3% from last year. For the last five years Citizens First Corp had an average revenue growth rate of 2.3% a year.

The reported diluted earnings per share was $1.89 for the year, an increase of 18.1% from previous year. Over the last five years Citizens First Corp had an EPS growth rate of 23.1% a year. The profitability rank of the company is 1 (out of 10).

At the end of the fiscal year, Citizens First Corp has the cash and cash equivalents of $24.9 million, compared with $20.0 million in the previous year. The long term debt was $35.0 million, compared with $45.0 million in the previous year. Citizens First Corp has a financial strength rank of 3 (out of 10).

At the current stock price of $25.75, Citizens First Corp is traded at 187.4% premium to its historical median P/S valuation band of $8.96 . The P/S ratio of the stock is 3.36, while the historical median P/S ratio is 1.17. The stock gained 9.60% during the past 12 months.

For the complete 20-year historical financial data of CZFC, click here.

This article first appeared on GuruFocus.