CITIZENS FIRST CORP
Financials · National Commercial Banks · KY · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $4.8M | $4.1M | $4.2M | $3.6M | $3.2M | $1.8M |
| Total assets | $476.0M | $465.4M | $455.4M | $432.2M | $412.8M | $410.2M |
| Total liabilities | $426.0M | $419.5M | $413.1M | $392.7M | $374.4M | $371.8M |
| Equity | $50.0M | $45.8M | $42.4M | $39.5M | $38.4M | $38.3M |
| EPS (diluted) | $1.89 | $1.60 | $1.66 | $1.40 | $1.29 | $0.52 |
| Shares out. | 2.5M | 2.0M | 2.0M | 2.0M | 2.0M | 2.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2018- Operating margin
- —
- Net margin
- —
- Return on equity
- 9.6%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.5%
- Debt / equity
- 8.52×
- Book value / share
- $19.80
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 17.9%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2018- Accruals / assets
- −0.3%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Milliken Amy HaleDirector | Jul 1, 2019 | U | 9,438 | $0.00 |
| Taylor John MDirector | Jul 1, 2019 | U | 2,890 | $0.00 |
| Perkins JeffDirector | Jul 1, 2019 | U | 2,275 | $0.00 |
| Iverson MarkDirector | Jul 1, 2019 | U | 5,051 | $0.00 |
| Furlong Kent E.Director | Jul 1, 2019 | U | 3,250 | $0.00 |
| Sheidler JackDirector | Jul 1, 2019 | U | 75,283 | $0.00 |
| Vance R KevinDirector | Jul 1, 2019 | U | 12,948 | $0.00 |
| Grise Sarah GlennDirector | Jul 1, 2019 | U | 6,506 | $0.00 |
| Hilliard James RobertDirector | Jul 1, 2019 | U | 30,706 | $0.00 |
| Thomas Kim M.Officer — Executive Vice President | Jul 1, 2019 | U | 11,485 | $0.00 |
| Lively Marc R.Officer — Exec VP and Chief Credit Off | Jul 1, 2019 | U | 3,500 | — |
| Marcum SteveOfficer — Executive VP and CFO | Jul 1, 2019 | U | 21,803 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Shareholder voteJul 1, 2019
- Other material eventMay 6, 2019
- Results of operations · Regulation FD disclosure · Other material eventApr 18, 2019
- Entered a material agreement · Regulation FD disclosureFeb 22, 2019
- Entered a material agreement · Director / officer changeFeb 22, 2019
- Results of operations · Regulation FD disclosure · Other material eventJan 22, 2019
- Results of operations · Regulation FD disclosureOct 22, 2018
- Results of operations · Regulation FD disclosureJul 19, 2018
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (2)
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