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Citizens First Corporation operates as a holding company for Citizens First Bank, Inc., which provides various banking and financial services to individual and corporate customers in Kentucky. It primarily engages in generating deposits and originating loans. The company's deposit products include checking accounts, regular savings accounts, NOW accounts, money market accounts, sweep accounts, fixed and variable rate IRA accounts, certificate of deposit accounts, and safety deposit boxes. Citizens First Corporation offers commercial loans principally to small and medium-sized businesses; originates and maintains commercial real estate loans; and offers residential mortgage loans to borrowers for purchasing and refinancing one to four family properties. It also provides personal loans and lines of credit to consumers for various purposes, such as purchase of automobiles, boats, and other recreational vehicles, as well as the making of home improvements and personal investments. In addition, the company provides debit and credit card services through third parties, and offers night depository, direct deposits, Series E Savings Bond redemptions, cashier's and travelersÂ’ checks, and letters of credit. Further, Citizens First Corporation offers other services comprising title insurance services to mortgage loan customers, as well as other insurance and trust services. As of December 31, 2007, it operated 10 offices in Warren, Simpson, Hart, and Barren Counties, Kentucky. The company was incorporated in 1975 and is headquartered in Bowling Green, Kentucky.

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Key Statistics

Closing Price	7.25
Volume	0
Volume Avg	725
52 Week High	8.95
52 Week Low	5.79
PE	8.95
PE (group average)	27
EPS Year	0.81
EPS change Q/Q	-8.33%
EPS change Q/Q Yr ago	57.14%
EPS change Q/Q next Q est	-100%
EPS change Y/Y	1000%
REV change Q/Q	-1.96%
REV change Q/Q Yr ago	2.04%
EPS next Q est	0.00
EPS next Y est	0.00
Divident Annual	0.00
Dividend Yield	0%