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    Insurance - Life
Citizens Financial Corporation

Citizens Financial Corporation

CFIN
Citizens Financial CorporationUS flagOther OTC
7,600.00
USD
+100.00
- -
38.00MMarket Cap

Total Valuation

Citizens Financial Corporation carries a market capitalization of 38.00M, placing it among publicly traded companies globally. Its enterprise value stands at 8.74M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap38.00M
Enterprise Value8.74M

Share Statistics

Citizens Financial Corporation currently has 6,344.00 shares outstanding.

Shares Outstanding6,344.00
Owned by Insiders (%)N/A
Owned by Institutions (%)N/A

Valuation Ratios

The price-to-sales ratio is 0.35, and the price-to-book ratio stands at 1.21.

PE RatioN/A
PS Ratio0.35
PB Ratio1.21
P/TBV Ratio0.89
P/FCF Ratio-5.75
P/OCF Ratio-5.63

Enterprise Valuation

The EV/Sales ratio of 0.29 reflects the premium investors are willing to pay for the company's revenue stream, while the EV/EBIT multiple of 54.18 provides insight into valuation relative to core operating earnings.

EV / Sales0.29
EV / EBITDA54.18
EV / EBIT54.18
EV / FCFN/A

Financial Position

The debt-to-equity ratio is 45.92, indicating elevated leverage, while an interest coverage ratio of 0.31 demonstrates limited ability to service its debt obligations.

Current RatioN/A
Quick RatioN/A
Debt / Equity45.92
Debt / EBITDA35.69
Interest Coverage0.31

Financial Efficiency

Return on Equity (ROE)-4.43
Return on Assets (ROA)-0.28
Return on Invested Capital (ROIC)N/A
Return on Capital Employed (ROCE)2.65
Revenue Per EmployeeN/A
Employee CountN/A
Inventory TurnoverN/A

Taxes

Income Tax-8,244.00
Effective Tax RateN/A

Stock Price Statistics

Citizens Financial Corporation's stock has gained approximately 0% over the past 52 weeks. The 50-day moving average sits at 7,600.00, while the 200-day moving average is 7,600.00.

Beta (5Y)N/A
52-Week Price Change0%
50-Day Moving Average7,600.00
200-Day Moving Average7,600.00
Average Volume (20 Days)N/A

Income Statement

Over the trailing twelve months, Citizens Financial Corporation generated 29.82M in revenue and converted that into -401,568.00 in net income, yielding earnings per share of -62.37. EBITDA reached 161,382.00, while operating income came in at 161,382.00.

Revenue29.82M
Gross ProfitN/A
Operating Income161,382.00
Pretax Income-409,812.00
Net Income-401,568.00
EBITDA161,382.00
EBIT161,382.00
Earnings Per Share (EPS)-62.37

Balance Sheet

Citizens Financial Corporation holds 7.54M in cash and equivalents against 5.76M in total debt, resulting in a net debt position of -1.74M.

Cash & Cash Equivalents7.54M
Total Debt5.76M
Net Debt-1.74M
Equity (Book Value)8.72M
Book Value Per Share1,354.82
Working CapitalN/A

Cash Flow

Citizens Financial Corporation produced -1.87M in operating cash flow over the past twelve months. After subtracting -39,500.00 in capital expenditures, free cash flow totaled -1.91M - equivalent to -296.52 per share.

Operating Cash Flow-1.87M
Capital Expenditures-39,500.00
Free Cash Flow-1.91M
FCF Per Share-296.52

Margins

Citizens Financial Corporation operates with a gross margin of 100.00, reflecting its pricing power and cost economics. The operating margin of 0.54 and net profit margin of -1.35 provide insight into operational efficiency.

Gross Margin100.00
Operating Margin0.54
Pretax Margin-1.37
Profit Margin-1.35
EBITDA Margin0.54

Dividends & Yields

Dividend Per ShareN/A
Dividend YieldN/A
Payout RatioN/A
Shareholder Yield8.78
FCF Yield-17.39

Stock Splits

Citizens Financial Corporation's most recent stock split took place on March 4, 2008 with a 250:1 split ratio.

Last Split Date3/4/2008
Split Ratio250:1

Scores

Citizens Financial Corporation posts an Altman Z-Score of 0.33, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.

Altman Z-Score0.33