1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Insurance - Life
Citizens Financial Corporation

Citizens Financial Corporation

CFIN
Citizens Financial CorporationUS flagOther OTC
7,600.00
USD
+100.00
- -
38.00MMarket Cap
1996 Y
1997 Y
1998 Y
1999 Y
2000 Y
2001 Y
2002 Y
2003 Y
2004 Y
2005 Y
2006 Y
TTM
Revenue per Share
5,378.02
5,508.21
5,216.49
5,054.8
4,599.44
3,935.41
6,138.27
6,155.1
5,481.01
5,073.3
4,465.45
4,632.35
Basic EPS, GAAP
164.98
367.47
577.55
897.53
35
-892.5
-374.99
105
37.5
20
-127.5
-62.37
Free Cash Flow per Basic Share
317.3
453.09
-519.28
-440.31
-245.63
891.55
2,408.89
881.08
-9.95
9.7
-382.08
-296.52
Dividend per Share
70.1
94.59
53.48
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
1,285.28
1,601.17
2,022.15
2,366.5
2,528.87
1,576.22
1,218.46
1,337.6
1,365.85
1,433.12
1,299.86
1,354.82
Tangible Book Value per Share
2,437.63
3,303.76
4,060.42
3,795.18
3,295.46
2,768.11
2,478.77
2,961.74
2,787.35
2,502.77
2,037.87
1,831.07
Basic Weighted Avg Shares
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Sales/Revenue/Turnover
23
24
27
36
31
27
42
42
37
33
29
30
Operating Margin (%)
9.42
- -
16.65
- -
3.89
-27.23
-7.18
2.41
1.5
2.11
0.02
0.54
Depreciation Expense
- -
1
1
- -
- -
1
- -
- -
1
1
- -
- -
Net Income, GAAP
1
2
3
6
- -
-6
-3
1
- -
- -
-1
- -
Effective Tax Rate (%)
16.94
19.53
19
25.68
46.86
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
4.81
8.39
12.1
17.76
0.76
-22.68
-6.11
1.71
0.68
0.39
-2.86
-1.35
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
4
4
7
8
8
7
8
7
6
5
6
6
Total Equity
11
14
22
28
23
20
18
21
20
17
14
13
Return on Invested Capital (%)
- -
- -
15.65
- -
1.91
- -
- -
- -
- -
2.92
- -
- -
Return on Capital (%)
- -
22.62
26.77
32.19
2.55
- -
- -
- -
- -
3.42
- -
2.65
Return on Common Equity (%)
- -
25.51
34.59
46.74
1.39
-44.06
-26.63
8.17
2.78
1.41
-9.31
-4.43

Capital Structure

FRC

•

in mil. unless spec.
Dec'06
Mar'07
Jun'07
ST Debt
- -
- -
- -
LT Borrowings
6
5
6
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
- -
- -
Market Capitalization
11
11
11

Working Capital

FRC

•

in mil. unless spec.
Dec'06
Mar'07
Jun'07
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8
8
8
Accounts Receivable, Net
3
3
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
2
2
2
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.52%
-5.99%
-18.14%
Free Cash Flow
-491.05%
-842.59%
-4,020.33%
Net Income, GAAP
-359.51%
-206.63%
-734.39%
Sales/Revenue/Turnover
4.41%
3.91%
-12.41%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2005
8
9
8
8
33
2006
8
7
7
7
29
2007
7
9
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2005
16.6
-14.56
21.37
- -
20
2006
34.06
-96.97
-12.43
- -
-127.5
2007
-28.47
62.18
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2005
- -
- -
- -
- -
- -
2006
- -
- -
- -
- -
- -
2007
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Darrell Richard Wells
Full Time Employees
69
Sector
Financial Services
Industry
Insurance - Life
Address
12910 Shelbyville Road Louisville KY United States of America 40243
IPO Date
Feb 19, 1993
Website
citizensfinancialcorp.com
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Business
Citizens Financial Corporation (CFIN) is a holding company primarily engaged in the business of ancillary health insurance through its subsidiary, Citizens Security Life Insurance Company, and provides administrative services to medical professionals delivering on-site treatment to patients in community settings. Founded in 1990 and headquartered in Louisville, Kentucky, the company markets core products under the CS Benefits brand, which includes group dental insurance, group vision insurance, and group life insurance; and under the Special Care Insurance brand, which offers individual dental insurance and individual vision insurance targeted at the senior market. It operates within the life and health insurance industry, focusing on group and individual ancillary coverage primarily in the United States. No major acquisitions, funding rounds, partnerships, or strategic shifts have been reported for the company in the last one to two years.