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About Citizens First (NASDAQ:CZFC)
Citizens First Corporation operates as the bank holding company for Citizens First Bank, Inc. that provides various banking products and services primarily to small and medium-sized businesses, and retail consumers. The company offers a range of deposit products and services, including checking accounts, savings accounts, NOW accounts, money market accounts, sweep accounts, fixed and variable rate IRA accounts, Christmas Club accounts, and certificate of deposit accounts. It provides various loan products, including secured and unsecured commercial loans; commercial real estate loans, such as loans secured by multi-family residential units, income-producing properties, and owner-occupied commercial properties; construction loans; and consumer loans comprising personal loans and lines of credit to consumers for various purposes, including the purchase of automobiles, boats, and other recreational vehicles, as well as for home improvements and personal investments. In addition, the company offers residential real estate mortgage loans for borrowers to purchase and refinance one-to-four family properties; and home equity loans and home equity lines of credit. Further, it provides debit and credit cards, safekeeping and safe deposit boxes, ACH and other direct deposit services, savings bond redemptions, cashier's checks, travelers' checks, and letters of credit, as well as cash management services, wire transfer services, and loan participations. The company conducts full-service community banking operations from eight locations in Barren, Hart, Simpson, and Warren Counties in Kentucky; and a loan production office in Williamson County, Tennessee. Citizens First Corporation was founded in 1975 and is headquartered in Bowling Green, Kentucky.
Industry, Sector and Symbol
Industry National commercial banks
Trailing P/E Ratio15.87
Forward P/E RatioN/A
Sales & Book Value
Annual Sales$22.15 million
Price / Sales3.03
Cash Flow$1.8870 per share
Price / Cash13.98
Book Value$18.14 per share
Price / Book1.45
EPS (Most Recent Fiscal Year)N/A
Net Income$4.08 million
Return on Equity9.37%
Return on Assets0.91%
Citizens First (NASDAQ:CZFC) Frequently Asked Questions
What is Citizens First's stock symbol?
Citizens First trades on the NASDAQ under the ticker symbol "CZFC."
How often does Citizens First pay dividends? What is the dividend yield for Citizens First?
Citizens First announced a quarterly dividend on Friday, April 20th. Shareholders of record on Friday, May 4th will be paid a dividend of $0.07 per share on Wednesday, May 16th. This represents a $0.28 annualized dividend and a yield of 1.06%. The ex-dividend date is Thursday, May 3rd. This is a boost from Citizens First's previous quarterly dividend of $0.06. View Citizens First's Dividend History.
How were Citizens First's earnings last quarter?
Citizens First Co. (NASDAQ:CZFC) posted its earnings results on Thursday, April, 19th. The bank reported $0.43 earnings per share (EPS) for the quarter. The bank had revenue of $4.72 million for the quarter. Citizens First had a net margin of 18.91% and a return on equity of 9.37%. View Citizens First's Earnings History.
When is Citizens First's next earnings date?
Who are some of Citizens First's key competitors?
Some companies that are related to Citizens First include MidSouth Bancorp (MSL), Shore Bancshares (SHBI), Monroe Bank & Trust (MBTF), Pacific Mercantile Bancorp (PMBC), Fidelity Dd Bank (FDBC), United Security Bancshares (UBFO), LCNB (LCNB), California First National Bancorp (CFNB), CBB BANCORP INC/SH (CBBI), DNB Financial (DNBF), Heartland Banccorp (HLAN), First United (FUNC), Old Point Financial (OPOF), Hawthorn Bancshares (HWBK) and Chesapeake Financial (CPKF).
Who are Citizens First's key executives?
Citizens First's management team includes the folowing people:
- Mr. Matthew Todd Kanipe, Chief Exec. Officer, Pres & Director (Age 50)
- Mr. John Steven Marcum CPA, CFO, EVP and Director (Age 62)
- Mr. Marc R. Lively, Chief Credit Officer & Exec. VP (Age 54)
- Ms. Sarah Glenn Grise, Sec., Director and Director of Citizens First Bank (Age 61)
- Ms. Kimberly K. Harmon, Sr. VP and Accounting Officer (Age 55)
Has Citizens First been receiving favorable news coverage?
News headlines about CZFC stock have trended somewhat positive recently, according to Accern. Accern identifies negative and positive media coverage by monitoring more than twenty million news and blog sources in real time. Accern ranks coverage of public companies on a scale of negative one to positive one, with scores closest to one being the most favorable. Citizens First earned a news sentiment score of 0.02 on Accern's scale. They also assigned press coverage about the bank an impact score of 46.52 out of 100, meaning that recent media coverage is somewhat unlikely to have an impact on the company's share price in the near future.
Who are Citizens First's major shareholders?
Citizens First's stock is owned by a number of of institutional and retail investors. Top institutional shareholders include Siena Capital Partners GP LLC (6.92%), Gendell Jeffrey L (4.09%), US Bancorp DE (1.11%), Salzhauer Michael (0.79%) and Landmark Financial Advisors LLC (0.57%). Company insiders that own Citizens First stock include Amy Hale Milliken, Jeff Perkins, Kent E Furlong, M Todd Kanipe, Marc R Lively, Mark Iverson, Sarah Glenn Grise and Steve Marcum. View Institutional Ownership Trends for Citizens First.
Which major investors are selling Citizens First stock?
Which major investors are buying Citizens First stock?
CZFC stock was acquired by a variety of institutional investors in the last quarter, including US Bancorp DE, Salzhauer Michael and Siena Capital Partners GP LLC. Company insiders that have bought Citizens First stock in the last two years include Amy Hale Milliken, Jeff Perkins, Kent E Furlong, M Todd Kanipe, Mark Iverson, Sarah Glenn Grise and Steve Marcum. View Insider Buying and Selling for Citizens First.
How do I buy shares of Citizens First?
Shares of CZFC can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.
What is Citizens First's stock price today?
One share of CZFC stock can currently be purchased for approximately $26.38.
How big of a company is Citizens First?
Citizens First has a market capitalization of $67.25 million and generates $22.15 million in revenue each year. Citizens First employs 98 workers across the globe.
How can I contact Citizens First?
Citizens First's mailing address is 1065 ASHLEY STREET, BOWLING GREEN KY, 42103. The bank can be reached via phone at 270-393-0700 or via email at [email protected]
MarketBeat Community Rating for Citizens First (CZFC)MarketBeat's community ratings are surveys of what our community members think about Citizens First and other stocks. Vote "Outperform" if you believe CZFC will outperform the S&P 500 over the long term. Vote "Underperform" if you believe CZFC will underperform the S&P 500 over the long term. You may vote once every thirty days.
Citizens First (NASDAQ:CZFC) Analyst Ratings History
(Data available from 5/22/2016 forward)
|Date||Brokerage||Action||Rating||Price Target||Impact on Share Price||Details|
Citizens First (NASDAQ:CZFC) Earnings History and Estimates Chart
Citizens First (NASDAQ CZFC) Earnings History by Quarter
(Earnings results data provided by Zacks Investment Research)
|Date||Quarter||Consensus Estimate||Actual EPS||Revenue Estimate||Actual Revenue||Release Link||Conference Call||Details|
|4/19/2018||Q1 2018||$0.43||$4.72 million||View||N/A|
|1/19/2018||Q4 2017||$0.37||$4.93 million||View||N/A|
|10/19/2017||Q3 2017||$0.44||$4.79 million||View||N/A|
|7/20/2017||Q2 2017||$0.43||$4.80 million||View||N/A|
|4/20/2017||Q1 2017||$0.36||$4.60 million||View||N/A|
|1/19/2017||Q4 2016||$0.43||$4.73 million||View||N/A|
|10/20/2016||Q3 2016||$0.45||$4.77 million||View||N/A|
|7/21/2016||Q2 2016||$0.42||$4.74 million||View||N/A|
|1/21/2016||Q4 2015||$0.45||$4.79 million||View||N/A|
|7/16/2015||Q2 2015||$0.35||$4.62 million||View||N/A|
|4/16/2015||Q1 2015||$0.31||$4.36 million||View||N/A|
|1/20/2015||Q4 2014||$0.35||$4.46 million||View||N/A|
|10/16/2014||Q3 2014||$0.38||$4.44 million||View||N/A|
|7/21/2014||Q2 2014||$0.29||$4.29 million||View||N/A|
|4/17/2014||Q1 2014||$0.27||$4.13 million||View||N/A|
|10/31/2013||Q3 2013||$0.02||$4.43 million||View||N/A|
|8/1/2013||Q2 2013||$0.30||$4.35 million||View||N/A|
|4/22/2013||Q1 13||($0.05)||$4.39 million||View||N/A|
Citizens First (NASDAQ:CZFC) Dividend Information
Citizens First pays an annual dividend of $0.28 per share, with a dividend yield of 1.06%. CZFC's most recent quarterly dividend payment was Wednesday, May 16.
|Most Recent Dividend:||5/16/2018|
|Payout Ratio(s):||14.84% (Based on Cash Flow)|
Citizens First (NASDAQ:CZFC) Dividend History by Quarter
(Data available from 1/1/2013 forward)
|Announced||Period||Amount||Yield||Ex-Dividend Date||Record Date||Payable Date|
Citizens First (NASDAQ CZFC) Insider Trading and Institutional Ownership History
Insider Ownership Percentage: 12.10%
Institutional Ownership Percentage: 28.75%
Citizens First (NASDAQ CZFC) Insider Trading History
(Data available from 1/1/2013 forward)
|Transaction Date||Insider Name||Title||Buy/Sell||Number of Shares||Average Share Price||Total Transaction||Shares Held After Transaction||Details|
|3/26/2018||Marc R Lively||VP||Sell||2,500||$24.65||$61,625.00||5,668|| |
|3/1/2018||Amy Hale Milliken||Director||Buy||485||$23.80||$11,543.00|| |
|2/9/2018||Sarah Glenn Grise||Director||Buy||206||$23.88||$4,919.28||6,460|| |
|2/6/2018||Mark Iverson||Director||Buy||750||$24.05||$18,037.50||2,501|| |
|1/30/2018||Jeff Perkins||Director||Buy||2,725||$24.48||$66,708.00||2,275|| |
|1/25/2018||Kent E Furlong||Director||Buy||1,000||$24.25||$24,250.00||3,250|| |
|12/27/2017||Mark Iverson||Director||Buy||1||$23.25||$23.25||2,501|| |
|11/17/2017||Steve Marcum||VP||Buy||400||$23.25||$9,300.00||16,388|| |
|11/9/2017||M Todd Kanipe||Insider||Buy||500||$23.60||$11,800.00||23,216|| |
|10/26/2017||M Todd Kanipe||CEO||Buy||750||$23.70||$17,775.00||22,716|| |
|10/20/2017||Mark Iverson||Director||Buy||2,500||$23.75||$59,375.00||2,500|| |
|3/24/2016||James L Henderson||Director||Buy||140||$13.97||$1,955.80||290|| |
|3/23/2016||John M Taylor||Director||Buy||400||$14.25||$5,700.00||2,890|| |
|2/26/2016||Amy Hale Milliken||Director||Buy||1,050||$13.90||$14,595.00||2,513|| |
|2/18/2016||M Todd Kanipe||CEO||Buy||500||$13.70||$6,850.00||21,966|| |
|12/8/2015||Marc R Lively||Insider||Buy||1,000||$13.95||$13,950.00||3,500|| |
|9/29/2015||Kent E Furlong||Director||Buy||1,000||$12.84||$12,840.00||2,250|| |
|7/22/2015||M Todd Kanipe||CEO||Buy||500||$12.70||$6,350.00|| |
|5/5/2015||M Todd Kanipe||CEO||Buy||1,000||$12.60||$12,600.00|| |
|4/24/2015||M Todd Kanipe||CEO||Buy||1,000||$12.50||$12,500.00|| |
|12/2/2014||M Todd Kanipe||CEO||Buy||1,000||$11.75||$11,750.00|| |
|11/21/2014||M Todd Kanipe||CEO||Buy||1,000||$12.25||$12,250.00|| |
|10/22/2014||M Todd Kanipe||CEO||Buy||2,000||$12.25||$24,500.00|| |
|9/5/2014||M Todd Kanipe||Insider||Buy||1,000||$11.75||$11,750.00|| |
|8/1/2014||M Todd Kanipe||Insider||Buy||1,000||$11.40||$11,400.00|| |
|6/23/2014||M Todd Kanipe||CEO||Buy||1,200||$10.99||$13,188.00|| |
|5/7/2014||M Todd Kanipe||CEO||Buy||1,000||$10.75||$10,750.00|| |
Citizens First (NASDAQ CZFC) News Headlines
|Citizens First Co. (CZFC) Declares Quarterly Dividend of $0.07|
www.americanbankingnews.com - April 20 at 4:52 PM
|Citizens First (CZFC) Posts Quarterly Earnings Results|
www.americanbankingnews.com - April 20 at 11:20 AM
|Marc R. Lively Sells 2,500 Shares of Citizens First Corp. (CZFC) Stock|
www.americanbankingnews.com - March 27 at 4:16 PM
|Insider Buying: Citizens First Corp. (CZFC) Director Buys 485 Shares of Stock|
www.americanbankingnews.com - March 1 at 10:58 PM
|Insider Buying: Citizens First Corp. (CZFC) Director Acquires 750 Shares of Stock|
www.americanbankingnews.com - February 7 at 12:20 PM
|Insider Buying: Citizens First Corp. (CZFC) Director Acquires 2,725 Shares of Stock|
www.americanbankingnews.com - January 31 at 12:16 PM
|Kent E. Furlong Buys 1,000 Shares of Citizens First Corp. (CZFC) Stock|
www.americanbankingnews.com - January 29 at 9:18 AM
|Citizens First Corp. Announces Semiannual Dividend of $0.06 (CZFC)|
www.americanbankingnews.com - January 22 at 5:24 PM
|Citizens First (CZFC) Set to Announce Earnings on Wednesday|
www.americanbankingnews.com - January 10 at 1:08 AM
|Citizens First Corporation (CZFC) Insider Purchases $11,800.00 in Stock|
www.americanbankingnews.com - November 13 at 3:50 PM
|Insider Buying: Citizens First Corporation (CZFC) CEO Acquires 750 Shares of Stock|
www.americanbankingnews.com - October 30 at 11:22 AM
|Insider Buying: Citizens First Corporation (CZFC) Director Purchases 2,500 Shares of Stock|
www.americanbankingnews.com - October 24 at 4:14 PM
|Citizens First Corporation (CZFC) Declares Semiannual Dividend of $0.10|
www.americanbankingnews.com - October 20 at 5:42 PM
|Citizens First Corporation (CZFC) Issues Earnings Results|
www.americanbankingnews.com - October 20 at 10:50 AM
|Citizens First Corporation (CZFC) to Release Earnings on Wednesday|
www.americanbankingnews.com - October 11 at 1:38 AM
|Citizens First Corporation (CZFC) Posts Earnings Results|
www.americanbankingnews.com - July 21 at 9:34 AM
|CITIZENS FIRST CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders|
biz.yahoo.com - May 23 at 3:20 PM
|CITIZENS FIRST CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits|
biz.yahoo.com - May 18 at 9:29 AM
|CITIZENS FIRST CORP Files SEC form 10-K, Annual Report|
biz.yahoo.com - March 24 at 3:47 PM
|Hottest Finance Stocks Now – CPSS CMCT SAMG FNBC|
investorplace.com - March 18 at 5:49 PM
|CITIZENS FIRST CORP Files SEC form 8-K, Other Events|
biz.yahoo.com - March 18 at 2:07 PM
|CITIZENS FIRST CORP Files SEC form 8-K, Financial Statements and Exhibits|
biz.yahoo.com - November 24 at 5:16 PM
|CITIZENS FIRST CORP Files SEC form 10-Q, Quarterly Report|
biz.yahoo.com - November 12 at 1:31 PM
|CITIZENS FIRST CORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD Disclosure|
biz.yahoo.com - October 19 at 5:10 PM
|CITIZENS FIRST CORP Files SEC form 8-K, Change in Directors or Principal Officers|
biz.yahoo.com - August 24 at 1:20 PM
Citizens First (NASDAQ:CZFC) SEC Filings
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Citizens First (NASDAQ:CZFC) Income Statement, Balance Sheet and Cash Flow Statement
Citizens First (NASDAQ CZFC) Stock Chart for Tuesday, May, 22, 2018