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CFIN

Citizens Financial Corporation

USD

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Price alert · CFIN

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7,600.00 USD 0.00 0.00%
As of Jul 16, 2024
7,500.00 Day range 7,600.00
7,500.00 52-week range 7,600.00
Open
7,500.00
Prev close
7,600.00
Mkt cap
38.00M
Vol
2
Avg vol
0
EPS
-1,073.88
P/E
-7.08
More statistics
Low
7,500.00
High
7,600.00

5D chart

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Interval
1m5m15m30m

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Financial health

Altman Z-Score

4.29 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

1 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E -12.5×
FY 1997: 4.1×FY 1998: 3.6×FY 1999: 3.1×FY 2000: 78.6×FY 2001: -2.3×FY 2002: -3.3×FY 2003: 20.5×FY 2004: 46.9×FY 2005: 78.1×FY 2006: -12.5×
FY 1997 5y median 20.5× FY 2006
P/S 0.4×
FY 1997: 0.3×FY 1998: 0.4×FY 1999: 0.5×FY 2000: 0.6×FY 2001: 0.5×FY 2002: 0.2×FY 2003: 0.3×FY 2004: 0.3×FY 2005: 0.3×FY 2006: 0.4×
FY 1997 5y median 0.3× FY 2006
P/B 0.7×
FY 1997: 0.5×FY 1998: 0.5×FY 1999: 0.7×FY 2000: 0.8×FY 2001: 0.7×FY 2002: 0.5×FY 2003: 0.7×FY 2004: 0.6×FY 2005: 0.6×FY 2006: 0.7×
FY 1997 5y median 0.6× FY 2006
P/FCF -4.2×
FY 1997: 3.3×FY 1998: 10.1×FY 1999: -6.2×FY 2000: -11.2×FY 2001: 2.3×FY 2002: 0.5×FY 2003: 2.4×FY 2004: 14.5×FY 2005: -47.2×FY 2006: -4.2×
FY 1997 5y median 0.5× FY 2006
EV/EBITDA 6.0×
FY 1997: 1.2×FY 1998: 1.9×FY 1999: 1.1×FY 2000: 22.4×FY 2001: -0.4×FY 2002: -2.9×FY 2003: 20.9×FY 2004: 23.3×FY 2005: 14.9×FY 2006: 6.0×
FY 1997 5y median 14.9× FY 2006
EV/Sales 0.3×
FY 1997: 0.2×FY 1998: 0.3×FY 1999: 0.3×FY 2000: 0.2×FY 2001: 0.1×FY 2002: 0.2×FY 2003: 0.3×FY 2004: 0.4×FY 2005: 0.4×FY 2006: 0.3×
FY 1997 5y median 0.3× FY 2006
FCF Yield -23.9%
FY 1997: 30.2%FY 1998: 9.9%FY 1999: -16.0%FY 2000: -8.9%FY 2001: 43.2%FY 2002: 192.7%FY 2003: 41.0%FY 2004: 6.9%FY 2005: -2.1%FY 2006: -23.9%
FY 1997 5y median 6.9% FY 2006

Profitability

Gross Margin 100.0%
FY 1997: 100.0%FY 1998: 100.0%FY 1999: 100.0%FY 2000: 100.0%FY 2001: 100.0%FY 2002: 100.0%FY 2003: 100.0%FY 2004: 100.0%FY 2005: 100.0%FY 2006: 100.0%
FY 1997 5y median 100.0% FY 2006
Operating Margin -2.4%
FY 1997: 10.4%FY 1998: 14.8%FY 1999: 23.5%FY 2000: 0.5%FY 2001: -31.3%FY 2002: -8.9%FY 2003: 0.9%FY 2004: 0.1%FY 2005: 0.4%FY 2006: -2.4%
FY 1997 5y median 0.1% FY 2006
Net Margin -2.9%
FY 1997: 8.4%FY 1998: 12.1%FY 1999: 17.8%FY 2000: 0.8%FY 2001: -22.7%FY 2002: -6.1%FY 2003: 1.7%FY 2004: 0.7%FY 2005: 1.0%FY 2006: -2.9%
FY 1997 5y median 0.7% FY 2006
ROE -5.9%
FY 1997: 13.9%FY 1998: 15.2%FY 1999: 23.0%FY 2000: 1.0%FY 2001: -31.0%FY 2002: -14.5%FY 2003: 3.4%FY 2004: 1.3%FY 2005: 1.9%FY 2006: -5.9%
FY 1997 5y median 1.3% FY 2006
ROIC -0.6%
FY 1997: 2.9%FY 1998: 3.0%FY 1999: 5.3%FY 2000: 0.1%FY 2001: -5.5%FY 2002: -2.3%FY 2003: 0.3%FY 2004: 0.0%FY 2005: 0.1%FY 2006: -0.6%
FY 1997 5y median 0.0% FY 2006
ROA -0.6%
FY 1997: 2.3%FY 1998: 2.5%FY 1999: 4.7%FY 2000: 0.2%FY 2001: -4.5%FY 2002: -1.7%FY 2003: 0.4%FY 2004: 0.2%FY 2005: 0.2%FY 2006: -0.6%
FY 1997 5y median 0.2% FY 2006

Growth (YoY)

Revenue -12.7%
FY 1997: 2.6%FY 1998: 15.1%FY 1999: 32.9%FY 2000: -13.7%FY 2001: -12.6%FY 2002: 53.9%FY 2003: -0.9%FY 2004: -10.5%FY 2005: -10.2%FY 2006: -12.7%
FY 1997 FY 2006
Operating Income -619.3%
FY 1997: 88.4%FY 1998: 63.9%FY 1999: 110.9%FY 2000: -98.2%FY 2001: -5794.3%FY 2002: 56.1%FY 2003: 110.4%FY 2004: -90.2%FY 2005: 254.6%FY 2006: -619.3%
FY 1997 FY 2006
EPS (diluted) -737.5%
FY 1997: 77.4%FY 1998: 65.5%FY 1999: 97.3%FY 2000: -96.1%FY 2001: -2650.0%FY 2002: 58.0%FY 2003: 128.0%FY 2004: -64.3%FY 2005: -46.7%FY 2006: -737.5%
FY 1997 FY 2006
Free Cash Flow -1048.5%
FY 1997: 83.5%FY 1998: -45.0%FY 1999: -394.6%FY 2000: 47.1%FY 2001: 470.9%FY 2002: 166.5%FY 2003: -63.9%FY 2004: -86.1%FY 2005: -126.3%FY 2006: -1048.5%
FY 1997 FY 2006

Financial Health

Current Ratio 0.0×
FY 1997: 0.0×FY 1998: 0.0×FY 1999: 0.0×FY 2000: 0.0×FY 2001: 0.0×FY 2002: 0.0×FY 2003: 0.0×FY 2004: 0.0×FY 2005: 0.0×FY 2006: 0.0×
FY 1997 5y median 0.0× FY 2006
Quick Ratio 0.0×
FY 1997: 0.0×FY 1998: 0.0×FY 1999: 0.0×FY 2000: 0.0×FY 2001: 0.0×FY 2002: 0.0×FY 2003: 0.0×FY 2004: 0.0×FY 2005: 0.0×FY 2006: 0.0×
FY 1997 5y median 0.0× FY 2006
Debt / Equity 0.4×
FY 1997: 0.2×FY 1998: 0.3×FY 1999: 0.3×FY 2000: 0.3×FY 2001: 0.4×FY 2002: 0.4×FY 2003: 0.3×FY 2004: 0.3×FY 2005: 0.3×FY 2006: 0.4×
FY 1997 5y median 0.3× FY 2006
Net Debt / EBITDA -1.8×
FY 1997: -0.9×FY 1998: -0.4×FY 1999: -1.2×FY 2000: -40.9×FY 2001: 1.5×FY 2002: -0.3×FY 2003: -2.3×FY 2004: 2.0×FY 2005: 2.2×FY 2006: -1.8×
FY 1997 5y median -0.3× FY 2006
Interest Coverage -1.4×
FY 1997: 7.2×FY 1998: 8.6×FY 1999: 15.4×FY 2000: 0.2×FY 2001: -16.0×FY 2002: -12.3×FY 2003: 1.1×FY 2004: 0.1×FY 2005: 0.4×FY 2006: -1.4×
FY 1997 5y median 0.1× FY 2006

Dividends

Dividend Yield 0.0%
FY 1997: 6.3%FY 1998: 2.6%FY 1999: 0.0%FY 2000: 0.0%FY 2001: 0.0%FY 2002: 0.0%FY 2003: 0.0%FY 2004: 0.0%FY 2005: 0.0%FY 2006: 0.0%
FY 1997 5y median 0.0% FY 2006
Payout Ratio 0.0%
FY 1997: 20.5%FY 1998: 8.5%FY 1999: 0.0%FY 2000: 0.0%FY 2001: 0.0%FY 2002: 0.0%FY 2003: 0.0%FY 2004: 0.0%FY 2005: 0.0%FY 2006: 0.0%
FY 1997 5y median 0.0% FY 2006

Annual · latest fiscal year ends 2006-12-31