Citizens Financial Stock Analysis
| CFIN Stock | USD 7,600 0.00 0.00% |
Citizens Financial holds a debt-to-equity ratio of 0.459. With a high degree of financial leverage come high-interest payments, which usually reduce Citizens Financial's Earnings Per Share (EPS).
Asset vs Debt
Equity vs Debt
Citizens Financial's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. Citizens Financial's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps Citizens Pink Sheet's retail investors understand whether an upcoming fall or rise in the market will negatively affect Citizens Financial's stakeholders.
For most companies, including Citizens Financial, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for Citizens Financial, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, Citizens Financial's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Given that Citizens Financial's debt-to-equity ratio measures a Company's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which Citizens Financial is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of Citizens Financial to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, Citizens Financial is said to be less leveraged. If creditors hold a majority of Citizens Financial's assets, the Company is said to be highly leveraged.
Citizens Financial is fairly valued with Real Value of 7600.0 and Hype Value of 7600.0. The main objective of Citizens Financial pink sheet analysis is to determine its intrinsic value, which is an estimate of what Citizens Financial is worth, separate from its market price. There are two main types of Citizens Financial's stock analysis: fundamental analysis and technical analysis.
The Citizens Financial pink sheet is traded in the USA on PINK Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA.
Citizens |
Citizens Pink Sheet Analysis Notes
The company had not issued any dividends in recent years. Citizens Financial had 1:250 split on the 14th of November 2007. Citizens Financial Corporation, through its subsidiary, provides ancillary health insurance products. Citizens Financial Corporation was incorporated in 1990 and is based in Louisville, Kentucky. Citizens Financial operates under InsuranceLife classification in the United States and is traded on OTC Exchange. It employs 69 people.The quote for Citizens Financial is published daily by the National Quotation Bureau and the company does not need to meet minimum requirements or file with the SEC. For more info on Citizens Financial please contact Darrell Wells at 502-244-2420 or go to https://www.citizensfinancialcorp.com.Citizens Financial Investment Alerts
| Citizens Financial generated a negative expected return over the last 90 days | |
| The company reported the previous year's revenue of 29.28 M. Net Loss for the year was (835.9 K) with profit before overhead, payroll, taxes, and interest of 7.34 M. | |
| Citizens Financial currently holds about 7.54 M in cash with (2.35 M) of positive cash flow from operations. |
Citizens Market Capitalization
The company currently falls under 'Nano-Cap' category with a current market capitalization of 1.46 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Citizens Financial's market, we take the total number of its shares issued and multiply it by Citizens Financial's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities.Citizens Profitablity
The company has Profit Margin (PM) of (0.01) %, which may suggest that it does not properly executes on its current pricing strategies or is unable to control all of the operational costs. This is way below average. Similarly, it shows Operating Margin (OM) of 0.01 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.01.Technical Drivers
Citizens Financial technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.Citizens Financial Price Movement Analysis
The output start index for this execution was thirty-five with a total number of output elements of twenty-six. The Weighted Moving Average calculates a weight for each value in Citizens Financial price series with the more recent values given greater weights.
Citizens Financial Outstanding Bonds
Citizens Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Citizens Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Citizens bonds can be classified according to their maturity, which is the date when Citizens Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Citizens Financial Debt to Cash Allocation
Citizens Financial currently holds 5.54 M in liabilities with Debt to Equity (D/E) ratio of 0.46, which is about average as compared to similar companies. Citizens Financial has a current ratio of 3.24, suggesting that it is liquid enough and is able to pay its financial obligations when due. Debt can assist Citizens Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Citizens Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Citizens Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Citizens to invest in growth at high rates of return. When we think about Citizens Financial's use of debt, we should always consider it together with cash and equity.Citizens Financial Assets Financed by Debt
Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Citizens Financial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Citizens Financial, which in turn will lower the firm's financial flexibility.Citizens Financial Corporate Bonds Issued
About Citizens Pink Sheet Analysis
Pink Sheet analysis is the technique used by a trader or investor to examine and evaluate how Citizens Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Citizens shares will generate the highest return on investment. We also built our pink sheet analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Pink Sheet such as Citizens Financial. By using and applying Citizens Pink Sheet analysis, traders can create a robust methodology for identifying Citizens entry and exit points for their positions.
Citizens Financial Corporation, through its subsidiary, provides ancillary health insurance products. Citizens Financial Corporation was incorporated in 1990 and is based in Louisville, Kentucky. Citizens Financial operates under InsuranceLife classification in the United States and is traded on OTC Exchange. It employs 69 people.
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Other Information on Investing in Citizens Pink Sheet
Citizens Financial financial ratios help investors to determine whether Citizens Pink Sheet is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Citizens with respect to the benefits of owning Citizens Financial security.