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Citizens Financial Corporation
Buy, Hold or Sell?

Let's analyse Citizens Financial Corporation together

PenkeI guess you are interested in Citizens Financial Corporation. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Citizens Financial Corporation. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Citizens Financial Corporation (30 sec.)










What can you expect buying and holding a share of Citizens Financial Corporation? (30 sec.)

How much money do you get?

How much money do you get?
$0.00
When do you have the money?
1 year
How often do you get paid?
20.0%

What is your share worth?

Current worth
$21,620.08
Expected worth in 1 year
$18,297.26
How sure are you?
50.0%

+ What do you gain per year?

Total Gains per Share
$-3,322.81
Return On Investment
-43.7%

For what price can you sell your share?

Current Price per Share
$7,600.00
Expected price per share
$7,600 - $7,600
How sure are you?
50%

1. Valuation of Citizens Financial Corporation (5 min.)




Live pricePrice per Share (EOD)

$7,600.00

Intrinsic Value Per Share

$-10,135.45 - $2,629.72

Total Value Per Share

$11,484.62 - $24,249.79

2. Growth of Citizens Financial Corporation (5 min.)




Is Citizens Financial Corporation growing?

Current yearPrevious yearGrowGrow %
How rich?$141.7m$147.9m-$6.1m-4.3%

How much money is Citizens Financial Corporation making?

Current yearPrevious yearGrowGrow %
Making money-$835.9k$324.3k-$1.1m-138.8%
Net Profit Margin-2.9%1.0%--

How much money comes from the company's main activities?

3. Financial Health of Citizens Financial Corporation (5 min.)




What can you expect buying and holding a share of Citizens Financial Corporation? (5 min.)

Welcome investor! Citizens Financial Corporation's management wants to use your money to grow the business. In return you get a share of Citizens Financial Corporation.

What can you expect buying and holding a share of Citizens Financial Corporation?

First you should know what it really means to hold a share of Citizens Financial Corporation. And how you can make/lose money.

Speculation

The Price per Share of Citizens Financial Corporation is $7,600. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Citizens Financial Corporation.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Citizens Financial Corporation, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $21,620.08. Based on the TTM, the Book Value Change Per Share is $-830.70 per quarter. Based on the YOY, the Book Value Change Per Share is $382.35 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Citizens Financial Corporation.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps-127.50-1.7%-127.50-1.7%20.000.3%-68.00-0.9%65.920.9%
Usd Book Value Change Per Share-830.70-10.9%-830.70-10.9%382.355.0%613.658.1%492.416.5%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%13.670.2%
Usd Total Gains Per Share-830.70-10.9%-830.70-10.9%382.355.0%613.658.1%506.096.7%
Usd Price Per Share6.40-6.40-6.25-4.25-6.65-
Price to Earnings Ratio-0.05--0.05-0.31-0.07-0.07-
Price-to-Total Gains Ratio-0.01--0.01-0.02-0.00--0.01-
Price to Book Ratio0.00-0.00-0.00-0.00-0.00-
Price-to-Total Gains Ratio-0.01--0.01-0.02-0.00--0.01-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share7600
Number of shares0
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share-830.70613.65
Usd Total Gains Per Share-830.70613.65
Gains per Quarter (0 shares)0.000.00
Gains per Year (0 shares)0.000.00
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
10-0-1000-10
20-0-1000-10
30-0-1000-10
40-0-1000-10
50-0-1000-10
60-0-1000-10
70-0-1000-10
80-0-1000-10
90-0-1000-10
100-0-1000-10

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share0.01.00.00.0%2.01.00.066.7%3.02.00.060.0%7.03.00.070.0%8.03.00.072.7%
Book Value Change Per Share0.01.00.00.0%1.02.00.033.3%3.02.00.060.0%5.05.00.050.0%6.05.00.054.5%
Dividend per Share0.00.01.00.0%0.00.03.00.0%0.00.05.00.0%2.00.08.020.0%3.00.08.027.3%
Total Gains per Share0.01.00.00.0%1.02.00.033.3%3.02.00.060.0%5.05.00.050.0%6.05.00.054.5%

Fundamentals of Citizens Financial Corporation

About Citizens Financial Corporation

Citizens Financial Corporation, through its subsidiary, provides ancillary health insurance products. It also offers administrative services to medical professionals involved in providing on-site treatment to patients in community settings. The company offers group ancillary insurance products, including group dental, group vision, and group life insurance; and individual ancillary insurance products, such as individual dental and individual vision insurance to the senior market. Citizens Financial Corporation was incorporated in 1990 and is based in Louisville, Kentucky.

Fundamental data was last updated by Penke on 2024-05-15 18:21:04.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a loss.
Using its assets, the company is very inefficient in making profit.
Using its investors money, the company is very inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very inefficient.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is very able to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is expensive.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of Citizens Financial Corporation.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Citizens Financial Corporation earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Citizens Financial Corporation to the Insurance - Life industry mean.
  • A Net Profit Margin of -2.9% means that $-0.03 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Citizens Financial Corporation:

  • The MRQ is -2.9%. The company is making a loss. -1
  • The TTM is -2.9%. The company is making a loss. -1
Trends
Current periodCompared to+/- 
MRQ-2.9%TTM-2.9%0.0%
TTM-2.9%YOY1.0%-3.8%
TTM-2.9%5Y-1.1%-1.7%
5Y-1.1%10Y1.1%-2.2%
1.1.2. Return on Assets

Shows how efficient Citizens Financial Corporation is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Citizens Financial Corporation to the Insurance - Life industry mean.
  • -0.6% Return on Assets means that Citizens Financial Corporation generated $-0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Citizens Financial Corporation:

  • The MRQ is -0.6%. Using its assets, the company is very inefficient in making profit. -2
  • The TTM is -0.6%. Using its assets, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-0.6%TTM-0.6%0.0%
TTM-0.6%YOY0.2%-0.8%
TTM-0.6%5Y-0.3%-0.3%
5Y-0.3%10Y0.4%-0.7%
1.1.3. Return on Equity

Shows how efficient Citizens Financial Corporation is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Citizens Financial Corporation to the Insurance - Life industry mean.
  • -5.9% Return on Equity means Citizens Financial Corporation generated $-0.06 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Citizens Financial Corporation:

  • The MRQ is -5.9%. Using its investors money, the company is very inefficient in making profit. -2
  • The TTM is -5.9%. Using its investors money, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-5.9%TTM-5.9%0.0%
TTM-5.9%YOY1.9%-7.8%
TTM-5.9%5Y-2.8%-3.2%
5Y-2.8%10Y0.8%-3.6%

1.2. Operating Efficiency of Citizens Financial Corporation.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Citizens Financial Corporation is operating .

  • Measures how much profit Citizens Financial Corporation makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Citizens Financial Corporation to the Insurance - Life industry mean.
  • An Operating Margin of -2.4% means the company generated $-0.02  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Citizens Financial Corporation:

  • The MRQ is -2.4%. The company is operating very inefficient. -2
  • The TTM is -2.4%. The company is operating very inefficient. -2
Trends
Current periodCompared to+/- 
MRQ-2.4%TTM-2.4%0.0%
TTM-2.4%YOY0.4%-2.8%
TTM-2.4%5Y-2.0%-0.4%
5Y-2.0%10Y0.8%-2.8%
1.2.2. Operating Ratio

Measures how efficient Citizens Financial Corporation is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Insurance - Life industry mean).
  • An Operation Ratio of -0.27 means that the operating costs are $-0.27 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Citizens Financial Corporation:

  • The MRQ is -0.275.
  • The TTM is -0.275.
Trends
Current periodCompared to+/- 
MRQ-0.275TTM-0.2750.000
TTM-0.275YOY-0.220-0.054
TTM-0.2755Y-0.217-0.058
5Y-0.21710Y-0.416+0.199

1.3. Liquidity of Citizens Financial Corporation.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Citizens Financial Corporation is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Insurance - Life industry mean).
  • A Current Ratio of 3.06 means the company has $3.06 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Citizens Financial Corporation:

  • The MRQ is 3.056. The company is very able to pay all its short-term debts. +2
  • The TTM is 3.056. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ3.056TTM3.0560.000
TTM3.056YOY1.592+1.465
TTM3.0565Y2.044+1.012
5Y2.04410Y1.022+1.022
1.3.2. Quick Ratio

Measures if Citizens Financial Corporation is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Citizens Financial Corporation to the Insurance - Life industry mean.
  • A Quick Ratio of 3.07 means the company can pay off $3.07 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Citizens Financial Corporation:

  • The MRQ is 3.067. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 3.067. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ3.067TTM3.0670.000
TTM3.067YOY1.601+1.466
TTM3.0675Y2.116+0.952
5Y2.11610Y1.058+1.058

1.4. Solvency of Citizens Financial Corporation.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Citizens Financial Corporation assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Citizens Financial Corporation to Insurance - Life industry mean.
  • A Debt to Asset Ratio of 0.04 means that Citizens Financial Corporation assets are financed with 3.8% credit (debt) and the remaining percentage (100% - 3.8%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Citizens Financial Corporation:

  • The MRQ is 0.038. The company is very able to pay all its debts by selling its assets. +2
  • The TTM is 0.038. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.038TTM0.0380.000
TTM0.038YOY0.035+0.003
TTM0.0385Y0.046-0.008
5Y0.04610Y0.053-0.007
1.4.2. Debt to Equity Ratio

Measures if Citizens Financial Corporation is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Citizens Financial Corporation to the Insurance - Life industry mean.
  • A Debt to Equity ratio of 39.2% means that company has $0.39 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Citizens Financial Corporation:

  • The MRQ is 0.392. The company is very able to pay all its debts with equity. +2
  • The TTM is 0.392. The company is very able to pay all its debts with equity. +2
Trends
Current periodCompared to+/- 
MRQ0.392TTM0.3920.000
TTM0.392YOY0.308+0.084
TTM0.3925Y0.387+0.005
5Y0.38710Y0.367+0.020

2. Market Valuation of Citizens Financial Corporation

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Citizens Financial Corporation generates.

  • Above 15 is considered overpriced but always compare Citizens Financial Corporation to the Insurance - Life industry mean.
  • A PE ratio of -0.05 means the investor is paying $-0.05 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Citizens Financial Corporation:

  • The EOD is -59.607. Based on the earnings, the company is expensive. -2
  • The MRQ is -0.050. Based on the earnings, the company is expensive. -2
  • The TTM is -0.050. Based on the earnings, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-59.607MRQ-0.050-59.557
MRQ-0.050TTM-0.0500.000
TTM-0.050YOY0.312-0.363
TTM-0.0505Y0.069-0.119
5Y0.06910Y0.071-0.002
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Citizens Financial Corporation:

  • The EOD is -19.891. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -0.017. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -0.017. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-19.891MRQ-0.017-19.875
MRQ-0.017TTM-0.0170.000
TTM-0.017YOY-0.189+0.172
TTM-0.0175Y-0.039+0.022
5Y-0.03910Y-0.020-0.020
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Citizens Financial Corporation is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Insurance - Life industry mean).
  • A PB ratio of 0.00 means the investor is paying $0.00 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Citizens Financial Corporation:

  • The EOD is 0.352. Based on the equity, the company is cheap. +2
  • The MRQ is 0.000. Based on the equity, the company is cheap. +2
  • The TTM is 0.000. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.352MRQ0.000+0.351
MRQ0.000TTM0.0000.000
TTM0.000YOY0.000+0.000
TTM0.0005Y0.000+0.000
5Y0.00010Y0.0000.000
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Citizens Financial Corporation compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---830.704-830.7040%382.346-317%613.645-235%492.414-269%
Book Value Per Share--21620.07521620.0750%22450.779-4%21741.414-1%20087.185+8%
Current Ratio--3.0563.0560%1.592+92%2.044+50%1.022+199%
Debt To Asset Ratio--0.0380.0380%0.035+7%0.046-17%0.053-29%
Debt To Equity Ratio--0.3920.3920%0.308+27%0.387+1%0.367+7%
Dividend Per Share----0%-0%-0%13.672-100%
Eps---127.502-127.5020%20.001-737%-67.997-47%65.923-293%
Free Cash Flow Per Share---382.077-382.0770%-33.106-91%599.282-164%381.666-200%
Free Cash Flow To Equity Per Share---586.426-586.4260%-274.833-53%383.146-253%175.059-435%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--2629.719--------
Intrinsic Value_10Y_min---10135.455--------
Intrinsic Value_1Y_max--528.079--------
Intrinsic Value_1Y_min---332.621--------
Intrinsic Value_3Y_max--1385.038--------
Intrinsic Value_3Y_min---1596.895--------
Intrinsic Value_5Y_max--1998.922--------
Intrinsic Value_5Y_min---3506.316--------
Market Cap--41959.05641959.0560%41175.000+2%28273.133+48%43816.217-4%
Net Profit Margin---0.029-0.0290%0.010-395%-0.011-61%0.011-366%
Operating Margin---0.024-0.0240%0.004-695%-0.020-18%0.008-402%
Operating Ratio---0.275-0.2750%-0.220-20%-0.217-21%-0.416+51%
Pb Ratio0.352+100%0.0000.0000%0.000+6%0.000+54%0.000-14%
Pe Ratio-59.607-118648%-0.050-0.0500%0.312-116%0.069-173%0.071-170%
Price Per Share7600.000+100%6.4006.4000%6.250+2%4.248+51%6.649-4%
Price To Free Cash Flow Ratio-19.891-118648%-0.017-0.0170%-0.189+1027%-0.039+134%-0.020+16%
Price To Total Gains Ratio-9.149-118648%-0.008-0.0080%0.016-147%0.005-266%-0.007-11%
Quick Ratio--3.0673.0670%1.601+92%2.116+45%1.058+190%
Return On Assets---0.006-0.0060%0.002-368%-0.003-48%0.004-253%
Return On Equity---0.059-0.0590%0.019-418%-0.028-53%0.008-823%
Total Gains Per Share---830.704-830.7040%382.346-317%613.645-235%506.086-264%
Usd Book Value--141741212.000141741212.0000%147905730.000-4%146054051.800-3%131671512.300+8%
Usd Book Value Change Per Share---830.704-830.7040%382.346-317%613.645-235%492.414-269%
Usd Book Value Per Share--21620.07521620.0750%22450.779-4%21741.414-1%20087.185+8%
Usd Dividend Per Share----0%-0%-0%13.672-100%
Usd Eps---127.502-127.5020%20.001-737%-67.997-47%65.923-293%
Usd Free Cash Flow---2504897.000-2504897.0000%-218104.000-91%4120277.000-161%2499214.900-200%
Usd Free Cash Flow Per Share---382.077-382.0770%-33.106-91%599.282-164%381.666-200%
Usd Free Cash Flow To Equity Per Share---586.426-586.4260%-274.833-53%383.146-253%175.059-435%
Usd Market Cap--41959.05641959.0560%41175.000+2%28273.133+48%43816.217-4%
Usd Price Per Share7600.000+100%6.4006.4000%6.250+2%4.248+51%6.649-4%
Usd Profit---835904.000-835904.0000%324312.000-358%-423243.400-49%364305.500-329%
Usd Revenue--29275504.00029275504.0000%33530479.000-13%36798475.800-20%32989187.000-11%
Usd Total Gains Per Share---830.704-830.7040%382.346-317%613.645-235%506.086-264%
 EOD+3 -3MRQTTM+0 -0YOY+7 -265Y+8 -2510Y+9 -26

3.2. Fundamental Score

Let's check the fundamental score of Citizens Financial Corporation based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-15-59.607
Price to Book Ratio (EOD)Between0-10.352
Net Profit Margin (MRQ)Greater than0-0.029
Operating Margin (MRQ)Greater than0-0.024
Quick Ratio (MRQ)Greater than13.067
Current Ratio (MRQ)Greater than13.056
Debt to Asset Ratio (MRQ)Less than10.038
Debt to Equity Ratio (MRQ)Less than10.392
Return on Equity (MRQ)Greater than0.15-0.059
Return on Assets (MRQ)Greater than0.05-0.006
Total5/10 (50.0%)

3.3. Technical Score

Let's check the technical score of Citizens Financial Corporation based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than50100.000
Ma 20Greater thanMa 507,600.000
Ma 50Greater thanMa 1007,600.000
Ma 100Greater thanMa 2007,600.000
OpenGreater thanClose7,600.000
Total1/5 (20.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2002-12-312003-12-312004-12-312005-12-312006-12-31
Accumulated Other Comprehensive Income  2,2242,3724,595-1,2333,363-2,642721-1,777-1,056



Latest Balance Sheet

Balance Sheet of 2006-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets147,280
Total Liabilities5,538
Total Stockholder Equity14,116
 As reported
Total Liabilities 5,538
Total Stockholder Equity+ 14,116
Total Assets = 147,280

Assets

Total Assets147,280
Total Current Assets11,044
Long-term Assets113,476
Total Current Assets
Cash And Cash Equivalents 7,967
Short-term Investments 40
Net Receivables 3,037
Total Current Assets  (as reported)11,044
Total Current Assets  (calculated)11,044
+/-0
Long-term Assets
Property Plant Equipment 2,189
Goodwill 756
Long Term Investments 110,491
Intangible Assets 12,571
Other Assets 22,760
Long-term Assets  (as reported)113,476
Long-term Assets  (calculated)148,766
+/- 35,290

Liabilities & Shareholders' Equity

Total Current Liabilities3,613
Long-term Liabilities5,538
Total Stockholder Equity14,116
Total Current Liabilities
Short-term Debt 9,649
Short Long Term Debt 9,649
Accounts payable 1,547
Other Current Liabilities 215
Total Current Liabilities  (as reported)3,613
Total Current Liabilities  (calculated)21,060
+/- 17,447
Long-term Liabilities
Long-term Liabilities  (as reported)5,538
Long-term Liabilities  (calculated)0
+/- 5,538
Total Stockholder Equity
Common Stock1,588
Retained Earnings 6,934
Accumulated Other Comprehensive Income -1,056
Other Stockholders Equity 6,650
Total Stockholder Equity (as reported)14,116
Total Stockholder Equity (calculated)14,116
+/-0
Other
Cash and Short Term Investments 8,007
Common Stock Shares Outstanding 7
Liabilities and Stockholders Equity 147,280
Net Debt -2,428
Net Tangible Assets 13,360
Net Working Capital 7,430
Short Long Term Debt Total 5,538



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2006-12-312005-12-312004-12-312003-12-312002-12-312001-12-312000-12-311999-12-311998-12-311997-12-311996-12-31
> Total Assets 
80,263
84,750
129,499
137,980
135,538
136,597
148,442
158,880
157,271
153,281
147,280
147,280153,281157,271158,880148,442136,597135,538137,980129,49984,75080,263
   > Total Current Assets 
4,190
8,816
12,769
23,442
24,967
24,912
10,684
12,744
8,462
6,609
11,044
11,0446,6098,46212,74410,68424,91224,96723,44212,7698,8164,190
       Cash And Cash Equivalents 
2,806
6,181
8,302
18,696
20,094
18,434
6,699
8,589
4,692
3,553
7,967
7,9673,5534,6928,5896,69918,43420,09418,6968,3026,1812,806
       Short-term Investments 
893
572
595
580
610
652
632
643
652
40
40
4040652643632652610580595572893
       Net Receivables 
491
2,063
3,872
4,165
4,263
5,826
3,352
3,512
3,119
3,016
3,037
3,0373,0163,1193,5123,3525,8264,2634,1653,8722,063491
       Other Current Assets 
0
0
0
0
0
0
21,886
22,120
21,732
22,500
22,760
22,76022,50021,73222,12021,886000000
   > Long-term Assets 
57,289
59,946
97,746
95,884
88,403
89,922
115,872
124,016
127,076
124,171
113,476
113,476124,171127,076124,016115,87289,92288,40395,88497,74659,94657,289
       Property Plant Equipment 
1,266
1,296
1,847
2,051
2,960
2,863
2,768
2,641
1,645
1,871
2,189
2,1891,8711,6452,6412,7682,8632,9602,0511,8471,2961,266
       Goodwill 
126
105
513
810
852
756
756
756
756
756
756
756756756756756756852810513105126
       Long Term Investments 
0
0
0
0
0
0
0
119,977
124,024
121,505
110,491
110,491121,505124,024119,9770000000
       Intangible Assets 
0
0
0
0
5,736
4,935
4,374
13,445
12,798
12,511
12,571
12,57112,51112,79813,4454,3744,9355,7360000
       Other Assets 
18,783
15,988
18,984
18,654
22,167
21,763
21,886
22,120
21,732
22,500
22,760
22,76022,50021,73222,12021,88621,76322,16718,65418,98415,98818,783
> Total Liabilities 
4,096
4,019
7,815
10,479
8,000
7,606
8,014
9,103
6,852
5,375
5,538
5,5385,3756,8529,1038,0147,6068,00010,4797,8154,0194,096
   > Total Current Liabilities 
0
0
0
0
0
0
0
3,719
3,946
4,153
3,613
3,6134,1533,9463,7190000000
       Short-term Debt 
0
0
0
0
0
0
0
11,298
10,645
7,515
9,649
9,6497,51510,64511,2980000000
       Short Long Term Debt 
0
0
0
0
0
0
0
11,298
10,645
7,515
9,649
9,6497,51510,64511,2980000000
       Accounts payable 
0
0
0
0
1,817
1,442
1,797
1,663
1,961
1,888
1,547
1,5471,8881,9611,6631,7971,4421,8170000
       Other Current Liabilities 
0
0
0
0
0
0
0
250
203
129
215
2151292032500000000
   > Long-term Liabilities 
4,096
4,019
7,815
10,479
8,000
7,606
8,014
9,103
6,852
5,375
5,538
5,5385,3756,8529,1038,0147,6068,00010,4797,8154,0194,096
       Other Liabilities 
0
0
0
0
102,447
107,547
120,873
127,195
127,778
126,453
124,012
124,012126,453127,778127,195120,873107,547102,4470000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
1,949
0
0
001,94900000000
> Total Stockholder Equity
10,573
14,321
21,745
28,036
23,274
20,002
17,758
20,833
19,754
17,437
14,116
14,11617,43719,75420,83317,75820,00223,27428,03621,74514,32110,573
   Common Stock
1,276
1,276
1,803
1,767
1,758
1,717
1,687
1,685
1,672
1,672
1,588
1,5881,6721,6721,6851,6871,7171,7581,7671,8031,2761,276
   Retained Earnings 
4,233
5,814
8,771
15,210
15,448
9,243
6,671
7,382
7,638
7,962
6,934
6,9347,9627,6387,3826,6719,24315,44815,2108,7715,8144,233
   Accumulated Other Comprehensive Income 
429
2,595
3,080
3,323
-1,573
1,757
2,224
4,595
3,363
721
-1,056
-1,0567213,3634,5952,2241,757-1,5733,3233,0802,595429
   Capital Surplus 00000000000
   Treasury Stock00000000000
   Other Stockholders Equity 
4,636
4,636
8,092
7,736
7,641
7,286
7,176
7,170
7,082
7,082
6,650
6,6507,0827,0827,1707,1767,2867,6417,7368,0924,6364,636



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2006-12-31)

Gross Profit (+$)
totalRevenue29,276
Cost of Revenue-21,933
Gross Profit29,2767,343
 
Operating Income (+$)
Gross Profit29,276
Operating Expense--29,981
Operating Income-70559,256
 
Operating Expense (+$)
Research Development0
Selling General Administrative6,910
Selling And Marketing Expenses0
Operating Expense-29,9816,910
 
Net Interest Income (+$)
Interest Income0
Interest Expense-487
Other Finance Cost-487
Net Interest Income0
 
Pretax Income (+$)
Operating Income-705
Net Interest Income0
Other Non-Operating Income Expenses0
Income Before Tax (EBT)-482-929
EBIT - interestExpense = -1,192
-482
-349
Interest Expense487
Earnings Before Interest and Taxes (EBIT)-7055
Earnings Before Interest and Taxes (EBITDA)-267
 
After tax Income (+$)
Income Before Tax-482
Tax Provision-0
Net Income From Continuing Ops-836-482
Net Income-836
Net Income Applicable To Common Shares-836
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses29,757
Total Other Income/Expenses Net2230
 

Technical Analysis of Citizens Financial Corporation
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Citizens Financial Corporation. The general trend of Citizens Financial Corporation is BEARISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Citizens Financial Corporation's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-100.0%) Bearish trend (100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Citizens Financial Corporation.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 7,600 < 7,600 < 7,600.

The bearish price targets are: 7,600 > 7,600 > 7,600.

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Citizens Financial Corporation Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Citizens Financial Corporation. The current mas is .

The long score for the Moving Averages is 0/14.
The longshort score for the Moving Averages is -14/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Citizens Financial Corporation Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Citizens Financial Corporation. The current macd is 0.00000.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Citizens Financial Corporation price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Citizens Financial Corporation. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Citizens Financial Corporation price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Citizens Financial Corporation Daily Moving Average Convergence/Divergence (MACD) ChartCitizens Financial Corporation Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Citizens Financial Corporation. The current adx is 35.04.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -3/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Citizens Financial Corporation shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX > 25 && ADX trending down: The ADX is above 25 and indicates a strong bearish trend. The ADX is declining, the bearish trend is weakening. Could be a potential reversal to the upside. -2
Citizens Financial Corporation Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Citizens Financial Corporation. The current sar is 7,599.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Citizens Financial Corporation Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Citizens Financial Corporation. The current rsi is 100.00. The current phase is Overbought in bear market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -1/(-13 +13).

  • Overbought in bear market: Short-term excessive buying, potential for relief decline. Consider shorting, be cautious of potential pullback. -1
Citizens Financial Corporation Daily Relative Strength Index (RSI) ChartCitizens Financial Corporation Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Citizens Financial Corporation. The current phase is Oversold in bear market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Citizens Financial Corporation price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Citizens Financial Corporation Daily Stochastic Oscillator ChartCitizens Financial Corporation Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Citizens Financial Corporation. The current cci is 0.

Citizens Financial Corporation Daily Commodity Channel Index (CCI) ChartCitizens Financial Corporation Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Citizens Financial Corporation. The current cmo is 0.

Citizens Financial Corporation Daily Chande Momentum Oscillator (CMO) ChartCitizens Financial Corporation Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Citizens Financial Corporation. The current willr is 0.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Citizens Financial Corporation Daily Williams %R ChartCitizens Financial Corporation Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Citizens Financial Corporation.

Citizens Financial Corporation Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Citizens Financial Corporation. The current atr is 0.0000.

Citizens Financial Corporation Daily Average True Range (ATR) ChartCitizens Financial Corporation Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Citizens Financial Corporation. The current obv is 400.00.

Citizens Financial Corporation Daily On-Balance Volume (OBV) ChartCitizens Financial Corporation Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Citizens Financial Corporation. The current mfi is 0.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -2/(-2 +2).

  • MFI < 50: -1
  • MFI < 20: -1
Citizens Financial Corporation Daily Money Flow Index (MFI) ChartCitizens Financial Corporation Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Citizens Financial Corporation.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal

6.3. Candlestick Patterns

Citizens Financial Corporation Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Citizens Financial Corporation based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than50100.000
Ma 20Greater thanMa 507,600.000
Ma 50Greater thanMa 1007,600.000
Ma 100Greater thanMa 2007,600.000
OpenGreater thanClose7,600.000
Total1/5 (20.0%)
Penke

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