Citizens First Corporation operates as a holding company for Citizens First Bank, banking and financial services provider. The Bank is primarily engaged in the business of accepting demand, savings and time deposits insured by the Federal Deposit Insurance Corporation and providing commercial, consumer and mortgage loans to the general public. The Bank also provides debit cards, credit cards, safekeeping and safe deposit boxes, automated clearing house and other direct deposit services, savings bond redemptions, cashier's checks, travelers' checks and letters of credit.

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TypePublic
HQBowling Green, US
Founded1999
Size (employees)98 (est)-2%
Websitecitizensfirstbank.com
Citizens First was founded in 1999 and is headquartered in Bowling Green, US
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Key People/Management at Citizens First

Steve Marcum

Steve Marcum

Evp & CFO
Jack Sheidler

Jack Sheidler

Chairman
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Citizens First Office Locations

Citizens First has offices in Bowling Green, Horse Cave, Glasgow, Franklin and in 1 other location
Bowling Green, US (HQ)
150 1065 Ashley St
Bowling Green, US
1700 Scottsville Rd
Bowling Green, US
987 Lehman Ave
Bowling Green, US
1805 Campbell Ln
Bowling Green, US
300 E 8th Ave
Franklin, US
705 N Main St
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Citizens First Financials and Metrics

Citizens First Revenue

USD

Net income (Q3, 2018)

1.2m

EBIT (Q3, 2018)

3.9m

Market capitalization (14-Dec-2018)

57.1m

Closing stock price (14-Dec-2018)

22.5
Citizens First's current market capitalization is $57.1 m.
Annual
USDFY, 2013FY, 2015FY, 2016FY, 2017

Cost of goods sold

3.0m2.6m2.5m3.0m

Operating expense total

6.9m

EBIT

11.9m14.9m15.7m15.7m

Pre tax profit

2.4m5.0m6.0m6.4m
Quarterly
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018

Cost of goods sold

678.0k662.0k613.0k624.0k639.0k677.0k726.0k777.0k960.0k1.1m1.2m

Operating expense total

1.6m1.7m1.8m1.7m

EBIT

3.7m3.8m3.9m3.9m3.9m3.8m3.9m3.9m3.9m4.1m3.9m

Pre tax profit

1.3m1.1m1.3m1.5m1.6m1.3m1.6m1.6m1.3m1.7m1.5m
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

37.1m11.3m15.3m8.5m

Accounts Receivable

1.6m1.5m1.7m

Inventories

PP&E

11.1m10.8m10.0m9.4m9.1m
Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018

Cash

32.5m38.3m22.8m13.2m28.4m33.5m11.2m16.7m7.4m5.4m6.7m

PP&E

11.2m11.0m10.9m10.8m10.8m10.6m10.0m9.9m9.5m9.5m9.3m9.2m9.1m9.1m9.0m8.9m

Goodwill

4.1m4.1m4.1m4.1m4.1m4.1m4.1m4.1m4.1m4.1m

Total Assets

410.8m420.1m414.8m411.0m431.1m430.1m424.3m434.7m438.3m441.7m464.5m462.4m455.4m487.0m488.6m473.7m
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

1.8m3.2m3.6m4.2m4.1m

Depreciation and Amortization

621.0k551.0k551.0k522.0k438.0k

Inventories

Accounts Payable

Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018

Net Income

1.1m691.0k1.4m2.4m782.0k1.7m2.5m905.0k2.0m3.1m907.0k2.0m3.1m1.1m2.5m3.7m

Depreciation and Amortization

467.0k144.0k277.0k410.0k137.0k276.0k414.0k140.0k274.0k401.0k120.0k234.0k337.0k100.0k197.0k291.0k

Cash From Operating Activities

5.0m1.1m2.4m4.2m682.0k2.3m3.8m531.0k2.3m4.1m326.0k2.2m3.3m973.0k3.3m5.0m

Cash From Investing Activities

(11.4m)(9.0m)(19.2m)(25.6m)(1.0m)4.3m(12.6m)(719.0k)(11.0m)(8.8m)(914.0k)(22.2m)(24.1m)(8.8m)
USDY, 2018

Debt/Equity

0.1 x

Financial Leverage

9.7 x
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Citizens First Online and Social Media Presence

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Citizens First News and Updates

Citizens First Corporation Announces Third Quarter 2018 Results

BOWLING GREEN, Ky., Oct. 18, 2018 /PRNewswire/ -- Citizens First Corporation (NASDAQ: CZFC) today reported results for the third quarter ended September 30, 2018 which include the following: For the quarter ended September 30, 2018 the Company reported net income of $1.20 million, or...
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Citizens First Company Life and Culture

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Citizens First Frequently Asked Questions

  • When was Citizens First founded?

    Citizens First was founded in 1999.

  • Who are Citizens First key executives?

    Citizens First's key executives are Steve Marcum and Jack Sheidler.

  • How many employees does Citizens First have?

    Citizens First has 98 employees.

  • Who are Citizens First competitors?

    Competitors of Citizens First include Royal Bank of Scotland, Huntington Bancshares and ConnectOne Bancorp.

  • Where is Citizens First headquarters?

    Citizens First headquarters is located at 150 1065 Ashley St, Bowling Green.

  • Where are Citizens First offices?

    Citizens First has offices in Bowling Green, Horse Cave, Glasgow, Franklin and in 1 other location.

  • How many offices does Citizens First have?

    Citizens First has 11 offices.