Yahoo! FinanceHome - Yahoo! - Help

Market Guide

[ Stock Screener | Company & Fund Index | Financial Glossary ]

Profile - Citizens Financial Corp. (NasdaqSC:CNFL)
As of 31-Aug-2001
Enter symbol:
symbol lookup

 
More Info: Quote | Chart | News | Profile | SEC | Msgs | Financials
Recent Events
Aug 15Price hit new 52-week low ($8.80)
Location
12910 Shelbyville Road
Louisville, KY 40243
Phone: (502) 244-2420
Fax: (502) 244-2439
Employees (last reported count): 72
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Insurance (Accident & Health)
Related Links
 ·Search Yahoo! for related links...
Ownership
·Insider and 5%+ Owners: 60%
·Institutional: 23% (56% of float)
(7 institutions)
·Net Inst. Selling: 3,000  shares (+0.77%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Citizens Financial Corporation is a holding company that engages primarily in the business of life insurance, annuities, and accident and health insurance through Citizens Security and United Liberty Life Insurance Company (collectively, the Life Insurance Subsidiaries). The Life Insurance Subsidiaries offer life, fixed-rate annuity and accident and health insurance products to individuals and groups through independent agents. The Company operates in five segments: home service life insurance, broker-sold life insurance and annuities, preneed life insurance, dental insurance, and other health and accident insurance. The home service and preneed life segments provide individual coverages; the dental segment provides group coverages; while the broker life and other health segments include individual and group insurance coverages.
More from Market Guide: Expanded Business Description

Financial Summary
CNFL is a holding company that engages in the business of life insurance, annuities, and accident and health insurance through Citizens Security and United Liberty Life Insurance Company. For the six months ended 6/30/01, total revenues decreased 32% to $14.1 million. Net loss before acct. change totalled $2.8 million, vs. an income of $3.7 million. Results reflect $3.3 million realized loss in investment, and an increase in net benefit reserves.
More from Market Guide: Significant Developments

Officers
FY2000 Pay

Darell Wells, 58
Pres and Chief Exec. Officer, Director and Chairman
$7.0K
Brent Nemec, 46
CFO, VP- Accounting & Treas. of the Company; Sr. VP- Accounting, CFO & Treas. of the Insurance Subsi
111.7K
Lane Hersman, 49
Exec. VP, COO of the Company; Pres and Chief
128.8K
Robert Greenwood, 66
VP, Operations, of the Company; Sr. VP, Operations of Citizens Security & United Libe
108.2K
Stephen Marco, 50
VP and Chief Actuary of the Company; Sr. VP & Chief Actuary of Citizens Security & Unite
110.1K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqSC:CNFLAs of 31-Aug-2001
Price and Volume
52-Week Low
on 15-Aug-2001
$8.80 
Recent Price$8.90 
52-Week High
on 7-Sep-2000
$13.50 
Beta0.27 
Daily Volume (3-month avg)682 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change-33.5%
52-Week Change
relative to S&P500
-10.7%
Share-Related Items
Market Capitalization$15.4M
Shares Outstanding1.73M
Float700.0K
Dividends & Splits
Annual Dividendnone 
Last Splitnone 
Per-Share Data
Book Value (mrq)$12.83 
Earnings (ttm)-$3.61 
Earnings (mrq)-$1.69 
Sales (ttm)$14.05 
Cash (mrq)$15.04 
Valuation Ratios
Price/Book (mrq)0.69 
Price/EarningsN/A 
Price/Sales (ttm)0.63 
Income Statements
Sales (ttm)$24.7M
EBITDAN/A 
Income available to common (ttm)-$6.34M
Profitability
Profit Margin (ttm)-25.7%
Operating Margin (ttm)-37.0%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)-4.60%
Return on Equity (ttm)-24.94%
Financial Strength
Current RatioN/A 
Debt/Equity (mrq)0.34 
Total Cash (mrq)$26.1M
Short Interest
As of 8-June-2001
Shares Short0 
Shares Short
(Prior Month)
0 
Daily Volume1,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

Market Guide offers more in-depth Company Research, Stock Screening, and Hottest Stocks and Industries on over 10,000 U.S. Equities.


Copyright © 2001 Yahoo! Inc. All Rights Reserved. Privacy Policy - Terms of Service
Company information Copyright Market Guide. Historical chart data and daily updates provided by Commodity Systems, Inc. (CSI). Data and information is provided for informational purposes only, and is not intended for trading purposes. Neither Yahoo nor any of its data or content providers (such as Market Guide, CSI, etc.) shall be liable for any errors or delays in the content, or for any actions taken in reliance thereon.