$66.1 M

CZFC Mkt cap, 15-Oct-2018
Citizens First Net income (Q2, 2018)2.5 M
Citizens First EBIT (Q2, 2018)7.9 M

Citizens First Income Statement

Annual

USDFY, 2016FY, 2017

Cost of goods sold

2.5m3.0m

Sales and marketing expense

6.9m

Operating expense total

6.9m

EBIT

15.7m15.7m

Pre tax profit

6.0m6.4m

Income tax expense

1.8m2.3m

Net Income

4.2m4.1m

Quarterly

USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q1, 2017Q2, 2018

Cost of goods sold

678.0k662.0k613.0k624.0k2.0m

Sales and marketing expense

1.6m1.7m1.8m1.7m

Operating expense total

1.6m1.7m1.8m1.7m

EBIT

3.7m3.8m3.9m3.9m7.9m

Pre tax profit

1.3m1.1m1.3m1.5m3.0m

Income tax expense

352.0k288.0k366.0k458.0k574.0k

Net Income

1.4m2.4m782.0k1.7m2.5m905.0k2.0m907.0k2.5m

Citizens First Balance Sheet

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

Goodwill

4.1m4.1m4.1m

Total Assets

410.2m412.8m432.2m455.4m465.4m

Accounts Payable

243.0k231.0k213.0k370.4m372.3m

Short-term debt

5.0m5.0m5.0m5.0m5.0m

Long-term debt

22.0m

Total Debt

27.0m5.0m5.0m

Total Liabilities

413.1m419.5m

Preferred Stock

7.7m7.7m

Retained Earnings

653.0k3.4m6.3m9.7m13.1m

Total Equity

38.3m38.4m39.5m42.4m45.8m

Debt to Equity Ratio

0.7 x0.1 x

Debt to Assets Ratio

0.1 x0 x

Financial Leverage

10.7 x10.7 x10.9 x10.8 x10.2 x

Quarterly

USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2018

Cash

22.8m13.2m28.4m33.5m11.2m16.7m7.4m5.4m6.7m

PP&E

10.9m10.8m10.8m10.6m10.0m9.9m9.5m9.5m9.3m9.0m

Goodwill

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

Total Assets

414.8m411.0m431.1m430.1m424.3m434.7m438.3m441.7m464.5m488.6m

Accounts Payable

345.8m337.2m365.4m368.8m362.5m363.2m353.4m353.8m373.4m388.6m

Short-term debt

5.0m5.0m5.0m5.0m5.0m5.0m5.0m5.0m5.0m5.0m

Total Debt

5.0m

Total Liabilities

440.9m

Preferred Stock

7.7m7.7m

Retained Earnings

1.8m2.6m4.0m4.8m5.4m7.1m7.9m8.9m10.5m15.4m

Total Equity

36.8m37.6m39.4m38.0m38.7m40.4m41.4m42.4m43.4m47.7m

Financial Leverage

11.3 x10.9 x11 x11.3 x11 x10.8 x10.6 x10.4 x10.7 x10.2 x

Citizens First Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

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

Depreciation and Amortization

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

Accounts Receivable

106.0k27.0k(153.0k)58.0k(59.0k)

Inventories

Accounts Payable

Cash From Operating Activities

6.7m5.4m5.1m5.3m4.5m

Cash From Investing Activities

(7.7m)(29.7m)(16.9m)(31.3m)(12.7m)

Long-term Borrowings

(6.0m)(4.0m)(21.0m)(15.0m)(34.0m)

Dividends Paid

(707.0k)(521.0k)(520.0k)(495.0k)(238.0k)

Cash From Financing Activities

3.2m(1.5m)15.7m19.3m6.0m

Interest Paid

3.0m2.7m2.6m2.5m3.0m

Income Taxes Paid

295.0k480.0k1.1m1.4m1.7m

Quarterly

USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q1, 2017Q2, 2018

Net Income

1.4m2.4m782.0k1.7m2.5m905.0k2.0m907.0k2.5m

Depreciation and Amortization

277.0k410.0k137.0k276.0k414.0k140.0k274.0k120.0k197.0k

Accounts Receivable

18.0k(84.0k)84.0k28.0k(70.0k)217.0k144.0k236.0k132.0k

Cash From Operating Activities

2.4m4.2m682.0k2.3m3.8m531.0k2.3m326.0k3.3m

Cash From Investing Activities

(19.2m)(25.6m)(1.0m)4.3m(12.6m)(719.0k)(11.0m)(24.1m)

Long-term Borrowings

(6.0m)(11.0m)(11.0m)(6.0m)(5.0m)(7.0m)(13.0m)

Dividends Paid

(259.0k)(390.0k)(128.0k)(258.0k)(389.0k)(124.0k)(247.0k)(119.0k)

Cash From Financing Activities

2.6m(2.4m)17.5m15.5m8.6m1.7m3.7m8.8m21.0m

Interest Paid

1.4m2.1m633.0k1.3m2.0m606.0k1.2m662.0k2.0m

Income Taxes Paid

10.0k225.0k210.0k525.0k890.0k310.0k650.0k565.0k465.0k

Citizens First Ratios

USDY, 2018

Financial Leverage

10.2 x
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