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Profile - CFS Bancorp Inc. (NasdaqNM:CITZ)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider | Financials
Recent Events
July 27Dividend payment of $0.09
Location
707 Ridge Road
Munster, IN 46321
Phone: (219) 836-5500
Fax: (219) 836-0265
Email: webmaster@bankcfs.com
Employees (last reported count): 377
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Analyst Upgrade/Downgrade History
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 23%
·Over the last 6 months:
 · one insider sell; 3,000  shares
·Institutional: 35% (46% of float)
(76 institutions)
·Net Inst. Buying: 951.0K shares (+14.32%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
CFS Bancorp Inc. conducts business as a unitary savings and loan holding company. The Company operates the Citizens Financial Services, FSB (the Bank). Deposits are the primary source of the Bank's funds for lending and other investment purposes. In addition to deposits, the Bank derives funds from loan principal repayments and prepayments and borrowings. Loan repayments are a relatively stable source of funds, while deposit inflows and outflows are significantly influenced by general interest rates and money market conditions. The Company also provides fiduciary services through the Bank's Trust Department. Services offered include fiduciary services for trusts and estates and land trusts. The Bank currently has two active, wholly owned subsidiaries: CFS Insurance Agency Inc. and CFS Investment Services Inc.
More from Market Guide: Expanded Business Description

Financial Summary
CFS Bancorp is a bank holding company for Citizens Financial Services, FSB, a federal savings bank with branches in IN and IL. For the six months ended 6/01, total interest income fell less than 1% to $58 million. Net interest income after loan loss provision fell 3% to $20.2 million. Net income rose 33% to $6 million. Net interest income reflects decreased mortgage volume, along with tighter spreads. Earnings reflect the inclusion of insurance proceeds.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Thomas Prisby, 59
Chairman and CEO
$481K
James Prisby, 50
Vice Chairman, Pres, COO
406K
John Stephens, 56
CFO, Exec. VP
296K
Janice Dobrinich, 45
Sr. VP
119K
David Hinshelwood
VP of Sales
--  
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 -- NasdaqNM:CITZAs of 31-Aug-2001
Price and Volume
52-Week Low
on 8-Sep-2000
$10.00 
Recent Price$13.80 
52-Week High
on 5-July-2001
$14.96 
Beta0.52 
Daily Volume (3-month avg)79.1K
Daily Volume (10-day avg)112.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+37.1%
52-Week Change
relative to S&P500
+84.0%
Share-Related Items
Market Capitalization$221.9M
Shares Outstanding16.1M
Float12.4M
Dividends & Splits
Annual Dividend (indicated)$0.36 
Dividend Yield2.61%
Last Splitnone 
Per-Share Data
Book Value (mrq)$12.41 
Earnings (ttm)$0.78 
Earnings (mrq)$0.18 
Sales (ttm)$7.63 
Cash (mrq)$1.61 
Valuation Ratios
Price/Book (mrq)1.11 
Price/Earnings (ttm)17.65 
Price/Sales (ttm)1.81 
Income Statements
Sales (ttm)$118.7M
EBITDAN/A 
Income available to common (ttm)$12.2M
Profitability
Profit Margin (ttm)10.3%
Operating Margin (ttm)35.3%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.71%
Return on Equity (ttm)6.08%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$25.9M
Short Interest
As of 8-Aug-2001
Shares Short403.0K
Percent of Float3.2%
Shares Short
(Prior Month)
425.0K
Short Ratio7.20 
Daily Volume56.0K
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)

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