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
Citizens Financial Corporation
CFIN
(Other OTC)

Recent

price

7,600.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
TTM
FRC
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
Revenue per Share
164.98
367.47
577.55
897.53
35
-892.5
-374.99
105
37.5
20
-127.5
-62.37
Basic EPS, GAAP
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
Free Cash Flow per Basic Share
70.1
94.59
53.48
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend 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
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
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
23
24
27
36
31
27
42
42
37
33
29
30
Sales/Revenue/Turnover
9.42
- -
16.65
- -
3.89
-27.23
-7.18
2.41
1.5
2.11
0.02
0.54
Operating Margin (%)
- -
1
1
- -
- -
1
- -
- -
1
1
- -
- -
Depreciation Expense
1
2
3
6
- -
-6
-3
1
- -
- -
-1
- -
Net Income, GAAP
16.94
19.53
19
25.68
46.86
- -
- -
- -
- -
- -
- -
- -
Effective Tax Rate (%)
4.81
8.39
12.1
17.76
0.76
-22.68
-6.11
1.71
0.68
0.39
-2.86
-1.35
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
4
4
7
8
8
7
8
7
6
5
6
6
LT Debt
11
14
22
28
23
20
18
21
20
17
14
13
Total Equity
- -
- -
15.65
- -
1.91
- -
- -
- -
- -
2.92
- -
- -
Return on Invested Capital (%)
- -
22.62
26.77
32.19
2.55
- -
- -
- -
- -
3.42
- -
2.65
Return on Capital (%)
- -
25.51
34.59
46.74
1.39
-44.06
-26.63
8.17
2.78
1.41
-9.31
-4.43
Return on Common Equity (%)

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
- -
- -
- -
- -
- -
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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.