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CITIZENS FINANCIAL CORP /KY/

EDGAR

Quarterly report (10-Q) · filed 2007-08-10

57 filing records in this dataset, filed from 1996-05-15 to 2007-08-10. Explore the available filing history and original sources.

Inspect reported changes Compare with another company Historical disclosures Search filings Segments

Watchlist

Latest quarter

Revenue

7.41 million USD

2006-06-30 · USD

Exact inputs and evidence

Revenue: 7408175 USD Source

Net margin

-7.29%

2006-06-30 · %

Exact inputs and evidence

Net Income: -539832 USD Source
Revenue: 7408175 USD Source

Cash and cash equivalents: 7.81 million USD 2006-06-30 Source
Exact value

7810561 USD
Long-term debt including current maturities: Not available
Shares outstanding: Not available

Trailing twelve months

The four most recent complete quarters added together. This gives a full-year view that includes the latest quarterly results.

Operating cash flow

913 thousand USD

2004-01-01 – 2004-12-31

Exact inputs and evidence

Operating cash flow: 135206 USD · 2004-01-01 – 2004-03-31 Source
Operating cash flow: -14097 USD · 2004-01-01 – 2004-06-30 Source
Operating cash flow: 135206 USD · 2004-01-01 – 2004-03-31 Source
Operating cash flow: 605512 USD · 2004-01-01 – 2004-09-30 Source
Operating cash flow: -14097 USD · 2004-01-01 – 2004-06-30 Source
Operating cash flow: 912734 USD · 2004-01-01 – 2004-12-31 Source
Operating cash flow: 605512 USD · 2004-01-01 – 2004-09-30 Source

Capital expenditure

70 thousand USD

2003-01-01 – 2003-12-31

Exact inputs and evidence

Capital expenditure: 5071 USD · 2003-01-01 – 2003-03-31 Source
Capital expenditure: 5071 USD · 2003-01-01 – 2003-06-30 Source
Capital expenditure: 5071 USD · 2003-01-01 – 2003-03-31 Source
Capital expenditure: 12195 USD · 2003-01-01 – 2003-09-30 Source
Capital expenditure: 5071 USD · 2003-01-01 – 2003-06-30 Source
Capital expenditure: 70025 USD · 2003-01-01 – 2003-12-31 Source
Capital expenditure: 12195 USD · 2003-01-01 – 2003-09-30 Source

Includes later revisions to earlier periods. Annual charts exclude incomplete years.

Latest filing recorded: 2007-08-10.

Financial data available through: 2004-12-31.

Financial coverage is incomplete. Newer filings are recorded, but comparable financial figures for those periods are not available here yet.

Coverage by financial measure

Revenue: 11 of 11 periods available· newest 2004-12-31
operating income: No compatible figures in this window
Net income: 11 of 11 periods available· newest 2004-12-31
Operating cash flow: 11 of 11 periods available· newest 2004-12-31
Capital expenditure: 10 of 11 periods available· newest 2003-12-31
Total assets: 10 of 11 periods available· newest 2004-12-31
Total liabilities: 10 of 11 periods available· newest 2004-12-31
current assets: No compatible figures in this window
current liabilities: No compatible figures in this window
Cash and cash equivalents: 11 of 11 periods available· newest 2004-12-31
long term debt: No compatible figures in this window
shares outstanding: No compatible figures in this window

Coverage describes values retained in this snapshot. Missing values are not zero; loading limits are reported separately.

What changed year over year

Latest complete year compared with the corresponding period one year earlier. These are measured changes; they do not establish their business causes.

Revenue
-10.5%

Prior period

USD 41.73 million

2003-01-01 – 2003-12-31
Current period

USD 37.36 million

2004-01-01 – 2004-12-31

Exact inputs and evidence

37358541 − 41725437 = -4366896 USD

41725437 USD · 2003-01-01 – 2003-12-31
Inspect prior input Prior source
37358541 USD · 2004-01-01 – 2004-12-31
Inspect current input Current source

Share or cite

Citation for Year-over-year change in Revenue · CITIZENS FINANCIAL CORP /KY/ · 2004-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Year-over-year change in Revenue: -4366896 USD Concept: fundies:Revenue Period: 2004-01-01 to 2004-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136?view=overview&cadence=annual&surface=latest#period-changes-title Computed: Current period minus corresponding prior-year period Input fundies:Revenue: 37358541 USD (2004-01-01 to 2004-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-05-000002.txt#5037 Input fundies:Revenue: 41725437 USD (2003-01-01 to 2003-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-05-000002.txt#5037
The citation records this snapshot. The page link may show a newer release later.
Net income
-64.1%

Prior period

USD 711,822

2003-01-01 – 2003-12-31
Current period

USD 255,613

2004-01-01 – 2004-12-31

Exact inputs and evidence

255613 − 711822 = -456209 USD

711822 USD · 2003-01-01 – 2003-12-31
Inspect prior input Prior source
255613 USD · 2004-01-01 – 2004-12-31
Inspect current input Current source

Share or cite

Citation for Year-over-year change in Net income · CITIZENS FINANCIAL CORP /KY/ · 2004-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Year-over-year change in Net income: -456209 USD Concept: fundies:NetIncome Period: 2004-01-01 to 2004-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136?view=overview&cadence=annual&surface=latest#period-changes-title Computed: Current period minus corresponding prior-year period Input fundies:NetIncome: 255613 USD (2004-01-01 to 2004-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-05-000002.txt#6160 Input fundies:NetIncome: 711822 USD (2003-01-01 to 2003-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-05-000002.txt#6160
The citation records this snapshot. The page link may show a newer release later.
Operating cash flow
-85%

Prior period

USD 6.07 million

2003-01-01 – 2003-12-31
Current period

USD 912,734

2004-01-01 – 2004-12-31

Exact inputs and evidence

912734 − 6069391 = -5156657 USD

6069391 USD · 2003-01-01 – 2003-12-31
Inspect prior input Prior source
912734 USD · 2004-01-01 – 2004-12-31
Inspect current input Current source

Share or cite

Citation for Year-over-year change in Operating cash flow · CITIZENS FINANCIAL CORP /KY/ · 2004-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Year-over-year change in Operating cash flow: -5156657 USD Concept: fundies:OperatingCashFlow Period: 2004-01-01 to 2004-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136?view=overview&cadence=annual&surface=latest#period-changes-title Computed: Current period minus corresponding prior-year period Input fundies:OperatingCashFlow: 912734 USD (2004-01-01 to 2004-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-05-000002.txt#6298 Input fundies:OperatingCashFlow: 6069391 USD (2003-01-01 to 2003-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-05-000002.txt#6298
The citation records this snapshot. The page link may show a newer release later.

Comparable inputs unavailable for: Capital expenditure.

Where revenue goes

How a period’s revenue divides into costs and what remains as profit. Items marked Derived are calculated by subtraction from reported figures.

2004 2004-01-01 – 2004-12-31

Revenue USD 37.36 million 100% of revenue
Operating costs Derived Unavailable An input is unavailable.
Operating income Unavailable An input is unavailable.
Tax, interest and other Derived Unavailable An input is unavailable.
Net income USD 255,613 0.7% of revenue

Cash

Operating cash flow USD 912,734 2.4% of revenue
Capital expenditure Unavailable An input is unavailable.
Free cash flow Derived Unavailable An input is unavailable.

Share of revenue by period

Net income
Tax, interest and other
Operating costs

1995 Not shown: operating income or net income is not reported.
1996 Not shown: operating income or net income is not reported.
1997 Not shown: operating income or net income is not reported.
1998 Not shown: operating income or net income is not reported.
1999 Not shown: operating income or net income is not reported.
2000 Not shown: operating income or net income is not reported.
2001 Not shown: operating income or net income is not reported.
2002 Not shown: operating income or net income is not reported.
2003 Not shown: operating income or net income is not reported.
2004 Not shown: operating income or net income is not reported.

Values and sources

Revenue breakdown by annual reporting period
Period	Revenue	Operating costs	Operating income	Tax, interest and other	Net income	Free cash flow	Source
1995 1995-01-01 – 1995-12-31	16286577	Unavailable	Unavailable	Unavailable	732231	2552758 Derived	Source 1995-01-01 – 1995-12-31: 16286577 USD Inspect Revenue Open source 1995-01-01 – 1995-12-31: 732231 USD Inspect Net Income Open source 1995-01-01 – 1995-12-31: 2663756 USD Inspect Operating Cash Flow Open source 1995-01-01 – 1995-12-31: 110998 USD Inspect Capital Expenditure Open source
1996 1996-01-01 – 1996-12-31	23050185	Unavailable	Unavailable	Unavailable	1109323	1384348 Derived	Source 1996-01-01 – 1996-12-31: 23050185 USD Inspect Revenue Open source 1996-01-01 – 1996-12-31: 1109323 USD Inspect Net Income Open source 1996-01-01 – 1996-12-31: 1569849 USD Inspect Operating Cash Flow Open source 1996-01-01 – 1996-12-31: 185501 USD Inspect Capital Expenditure Open source
1997 1997-01-01 – 1997-12-31	23701843	Unavailable	Unavailable	Unavailable	1988212	2027610 Derived	Source 1997-01-01 – 1997-12-31: 23701843 USD Inspect Revenue Open source 1997-01-01 – 1997-12-31: 1988212 USD Inspect Net Income Open source 1997-01-01 – 1997-12-31: 2191040 USD Inspect Operating Cash Flow Open source 1997-01-01 – 1997-12-31: 163430 USD Inspect Capital Expenditure Open source
1998 1998-01-01 – 1998-12-31	27277005	Unavailable	Unavailable	Unavailable	3299660	1107562 Derived	Source 1998-01-01 – 1998-12-31: 27277005 USD Inspect Revenue Open source 1998-01-01 – 1998-12-31: 3299660 USD Inspect Net Income Open source 1998-01-01 – 1998-12-31: 1619804 USD Inspect Operating Cash Flow Open source 1998-01-01 – 1998-12-31: 512242 USD Inspect Capital Expenditure Open source
1999 1999-01-01 – 1999-12-31	36263112	Unavailable	Unavailable	Unavailable	6438845	163242 Derived	Source 1999-01-01 – 1999-12-31: 36263112 USD Inspect Revenue Open source 1999-01-01 – 1999-12-31: 6438845 USD Inspect Net Income Open source 1999-01-01 – 1999-12-31: 360845 USD Inspect Operating Cash Flow Open source 1999-01-01 – 1999-12-31: 197603 USD Inspect Capital Expenditure Open source
2000 2000-01-01 – 2000-12-31	31294612	Unavailable	Unavailable	Unavailable	238130	-1532044 Derived	Source 2000-01-01 – 2000-12-31: 31294612 USD Inspect Revenue Open source 2000-01-01 – 2000-12-31: 238130 USD Inspect Net Income Open source 2000-01-01 – 2000-12-31: -466511 USD Inspect Operating Cash Flow Open source 2000-01-01 – 2000-12-31: 1065533 USD Inspect Capital Expenditure Open source
2001 2001-01-01 – 2001-12-31	27362919	Unavailable	Unavailable	Unavailable	-6205575	6353189 Derived	Source 2001-01-01 – 2001-12-31: 27362919 USD Inspect Revenue Open source 2001-01-01 – 2001-12-31: -6205575 USD Inspect Net Income Open source 2001-01-01 – 2001-12-31: 6393581 USD Inspect Operating Cash Flow Open source 2001-01-01 – 2001-12-31: 40392 USD Inspect Capital Expenditure Open source
2002 2002-01-01 – 2002-12-31	42102418	Unavailable	Unavailable	Unavailable	-2572060	16522572 Derived	Source 2002-01-01 – 2002-12-31: 42102418 USD Inspect Revenue Open source 2002-01-01 – 2002-12-31: -2572060 USD Inspect Net Income Open source 2002-01-01 – 2002-12-31: 16554480 USD Inspect Operating Cash Flow Open source 2002-01-01 – 2002-12-31: 31908 USD Inspect Capital Expenditure Open source
2003 2003-01-01 – 2003-12-31	41725437	Unavailable	Unavailable	Unavailable	711822	5999366 Derived	Source 2003-01-01 – 2003-12-31: 41725437 USD Inspect Revenue Open source 2003-01-01 – 2003-12-31: 711822 USD Inspect Net Income Open source 2003-01-01 – 2003-12-31: 6069391 USD Inspect Operating Cash Flow Open source 2003-01-01 – 2003-12-31: 70025 USD Inspect Capital Expenditure Open source
2004 2004-01-01 – 2004-12-31	37358541	Unavailable	Unavailable	Unavailable	255613	Unavailable	Source 2004-01-01 – 2004-12-31: 37358541 USD Inspect Revenue Open source 2004-01-01 – 2004-12-31: 255613 USD Inspect Net Income Open source 2004-01-01 – 2004-12-31: 912734 USD Inspect Operating Cash Flow Open source

Amounts are exact, in USD.

Growth

Sales over time and how quickly they are changing.

Revenue

Revenue reported for each complete financial period.

USD 37.4M 2004

Values and sources

Revenue values and source evidence
Period	Series	Value(USD)	Source evidence
19951995-12-31	Revenue	16286577	Revenue: 16286577 Open source
19961996-12-31	Revenue	23050185	Revenue: 23050185 Open source
19971997-12-31	Revenue	23701843	Revenue: 23701843 Open source
19981998-12-31	Revenue	27277005	Revenue: 27277005 Open source
19991999-12-31	Revenue	36263112	Revenue: 36263112 Open source
20002000-12-31	Revenue	31294612	Revenue: 31294612 Open source
20012001-12-31	Revenue	27362919	Revenue: 27362919 Open source
20022002-12-31	Revenue	42102418	Revenue: 42102418 Open source
20032003-12-31	Revenue	41725437	Revenue: 41725437 Open source
20042004-12-31	Revenue	37358541	Revenue: 37358541 Open source

Revenue growth

Change in revenue from the same financial period one year earlier.

-10.5% 2004

Values and sources

Revenue growth values and source evidence
Period	Series	Value	Source evidence
19951995-12-31	Year over year	69.9%	Revenue: 16286577 Open source Revenue: 9587954 Open source
19961996-12-31	Year over year	41.5%	Revenue: 23050185 Open source Revenue: 16286577 Open source
19971997-12-31	Year over year	2.8%	Revenue: 23701843 Open source Revenue: 23050185 Open source
19981998-12-31	Year over year	15.1%	Revenue: 27277005 Open source Revenue: 23701843 Open source
19991999-12-31	Year over year	32.9%	Revenue: 36263112 Open source Revenue: 27277005 Open source
20002000-12-31	Year over year	-13.7%	Revenue: 31294612 Open source Revenue: 36263112 Open source
20012001-12-31	Year over year	-12.6%	Revenue: 27362919 Open source Revenue: 31294612 Open source
20022002-12-31	Year over year	53.9%	Revenue: 42102418 Open source Revenue: 27362919 Open source
20032003-12-31	Year over year	-0.9%	Revenue: 41725437 Open source Revenue: 42102418 Open source
20042004-12-31	Year over year	-10.5%	Revenue: 37358541 Open source Revenue: 41725437 Open source

Profit and cash

How much revenue becomes profit, and how much cash operations generate.

Profit margins

Operating income, net income and free cash flow as a share of revenue.

Net margin 0.7% 2004

Free cash flow margin 14.4% 2003

Operating margin
Net margin
Free cash flow margin

Values and sources

Profit margins values and source evidence
Period	Series	Value	Source evidence
1995-12-31	Operating margin	Not reported	Revenue: 16286577 Open source
1996-12-31	Operating margin	Not reported	Revenue: 23050185 Open source
1997-12-31	Operating margin	Not reported	Revenue: 23701843 Open source
1998-12-31	Operating margin	Not reported	Revenue: 27277005 Open source
1999-12-31	Operating margin	Not reported	Revenue: 36263112 Open source
2000-12-31	Operating margin	Not reported	Revenue: 31294612 Open source
2001-12-31	Operating margin	Not reported	Revenue: 27362919 Open source
2002-12-31	Operating margin	Not reported	Revenue: 42102418 Open source
2003-12-31	Operating margin	Not reported	Revenue: 41725437 Open source
2004-12-31	Operating margin	Not reported	Revenue: 37358541 Open source
19951995-12-31	Net margin	4.5%	Net Income: 732231 Open source Revenue: 16286577 Open source
19961996-12-31	Net margin	4.8%	Net Income: 1109323 Open source Revenue: 23050185 Open source
19971997-12-31	Net margin	8.4%	Net Income: 1988212 Open source Revenue: 23701843 Open source
19981998-12-31	Net margin	12.1%	Net Income: 3299660 Open source Revenue: 27277005 Open source
19991999-12-31	Net margin	17.8%	Net Income: 6438845 Open source Revenue: 36263112 Open source
20002000-12-31	Net margin	0.8%	Net Income: 238130 Open source Revenue: 31294612 Open source
20012001-12-31	Net margin	-22.7%	Net Income: -6205575 Open source Revenue: 27362919 Open source
20022002-12-31	Net margin	-6.1%	Net Income: -2572060 Open source Revenue: 42102418 Open source
20032003-12-31	Net margin	1.7%	Net Income: 711822 Open source Revenue: 41725437 Open source
20042004-12-31	Net margin	0.7%	Net Income: 255613 Open source Revenue: 37358541 Open source
19951995-12-31	Free cash flow margin	15.7%	Revenue: 16286577 Open source Operating Cash Flow: 2663756 Open source Capital Expenditure: 110998 Open source
19961996-12-31	Free cash flow margin	6%	Revenue: 23050185 Open source Operating Cash Flow: 1569849 Open source Capital Expenditure: 185501 Open source
19971997-12-31	Free cash flow margin	8.6%	Revenue: 23701843 Open source Operating Cash Flow: 2191040 Open source Capital Expenditure: 163430 Open source
19981998-12-31	Free cash flow margin	4.1%	Revenue: 27277005 Open source Operating Cash Flow: 1619804 Open source Capital Expenditure: 512242 Open source
19991999-12-31	Free cash flow margin	0.5%	Revenue: 36263112 Open source Operating Cash Flow: 360845 Open source Capital Expenditure: 197603 Open source
20002000-12-31	Free cash flow margin	-4.9%	Revenue: 31294612 Open source Operating Cash Flow: -466511 Open source Capital Expenditure: 1065533 Open source
20012001-12-31	Free cash flow margin	23.2%	Revenue: 27362919 Open source Operating Cash Flow: 6393581 Open source Capital Expenditure: 40392 Open source
20022002-12-31	Free cash flow margin	39.2%	Revenue: 42102418 Open source Operating Cash Flow: 16554480 Open source Capital Expenditure: 31908 Open source
20032003-12-31	Free cash flow margin	14.4%	Revenue: 41725437 Open source Operating Cash Flow: 6069391 Open source Capital Expenditure: 70025 Open source
20042004-12-31	Free cash flow margin	Not reported	Revenue: 37358541 Open source Operating Cash Flow: 912734 Open source

Operating cash flow

Cash generated by the company’s normal business operations.

USD 912.7K 2004

Values and sources

Operating cash flow values and source evidence
Period	Series	Value(USD)	Source evidence
19951995-12-31	Operating cash flow	2663756	Operating Cash Flow: 2663756 Open source
19961996-12-31	Operating cash flow	1569849	Operating Cash Flow: 1569849 Open source
19971997-12-31	Operating cash flow	2191040	Operating Cash Flow: 2191040 Open source
19981998-12-31	Operating cash flow	1619804	Operating Cash Flow: 1619804 Open source
19991999-12-31	Operating cash flow	360845	Operating Cash Flow: 360845 Open source
20002000-12-31	Operating cash flow	-466511	Operating Cash Flow: -466511 Open source
20012001-12-31	Operating cash flow	6393581	Operating Cash Flow: 6393581 Open source
20022002-12-31	Operating cash flow	16554480	Operating Cash Flow: 16554480 Open source
20032003-12-31	Operating cash flow	6069391	Operating Cash Flow: 6069391 Open source
20042004-12-31	Operating cash flow	912734	Operating Cash Flow: 912734 Open source

Free cash flow

Operating cash flow minus capital expenditure for the same period and unit.

USD 6M 2003

Values and sources

Free cash flow values and source evidence
Period	Series	Value(USD)	Source evidence
19951995-12-31	Free cash flow	2552758	Operating Cash Flow: 2663756 Open source Capital Expenditure: 110998 Open source
19961996-12-31	Free cash flow	1384348	Operating Cash Flow: 1569849 Open source Capital Expenditure: 185501 Open source
19971997-12-31	Free cash flow	2027610	Operating Cash Flow: 2191040 Open source Capital Expenditure: 163430 Open source
19981998-12-31	Free cash flow	1107562	Operating Cash Flow: 1619804 Open source Capital Expenditure: 512242 Open source
19991999-12-31	Free cash flow	163242	Operating Cash Flow: 360845 Open source Capital Expenditure: 197603 Open source
20002000-12-31	Free cash flow	-1532044	Operating Cash Flow: -466511 Open source Capital Expenditure: 1065533 Open source
20012001-12-31	Free cash flow	6353189	Operating Cash Flow: 6393581 Open source Capital Expenditure: 40392 Open source
20022002-12-31	Free cash flow	16522572	Operating Cash Flow: 16554480 Open source Capital Expenditure: 31908 Open source
20032003-12-31	Free cash flow	5999366	Operating Cash Flow: 6069391 Open source Capital Expenditure: 70025 Open source
20042004-12-31	Free cash flow	Unavailable	Operating Cash Flow: 912734 Open source

Balance sheet

Liabilities and short-term ability to meet obligations at each period end.

Liabilities to assets

Total liabilities as a share of total assets.

87.4% 2004

Values and sources

Liabilities to assets values and source evidence
Period	Series	Value	Source evidence
19951995-12-31	Liabilities / assets	84.6%	Total Liabilities: 71245136 Open source Total Assets: 84255261 Open source
19961996-12-31	Liabilities / assets	81.8%	Total Liabilities: 65645346 Open source Total Assets: 80262708 Open source
19971997-12-31	Liabilities / assets	78.3%	Total Liabilities: 66385050 Open source Total Assets: 84749842 Open source
19981998-12-31	Liabilities / assets	83.2%	Total Liabilities: 107753842 Open source Total Assets: 129499123 Open source
19991999-12-31	Liabilities / assets	79.7%	Total Liabilities: 109943573 Open source Total Assets: 137980030 Open source
20002000-12-31	Liabilities / assets	82.8%	Total Liabilities: 112263897 Open source Total Assets: 135538006 Open source
20012001-12-31	Liabilities / assets	85.4%	Total Liabilities: 116594600 Open source Total Assets: 136597083 Open source
20022002-12-31	Liabilities / assets	88%	Total Liabilities: 130683900 Open source Total Assets: 148441532 Open source
20032003-12-31	Liabilities / assets	86.9%	Total Liabilities: 138046923 Open source Total Assets: 158880332 Open source
20042004-12-31	Liabilities / assets	87.4%	Total Liabilities: 137516208 Open source Total Assets: 157270559 Open source

Current assets to current liabilities

Current assets divided by current liabilities.

Not enough comparable data to show this history.

Values and sources

Current assets to current liabilities values and source evidence
Period	Series	Value	Source evidence
1995-12-31	Current assets / current liabilities	Not reported	No source recorded
1996-12-31	Current assets / current liabilities	Not reported	No source recorded
1997-12-31	Current assets / current liabilities	Not reported	No source recorded
1998-12-31	Current assets / current liabilities	Not reported	No source recorded
1999-12-31	Current assets / current liabilities	Not reported	No source recorded
2000-12-31	Current assets / current liabilities	Not reported	No source recorded
2001-12-31	Current assets / current liabilities	Not reported	No source recorded
2002-12-31	Current assets / current liabilities	Not reported	No source recorded
2003-12-31	Current assets / current liabilities	Not reported	No source recorded
2004-12-31	Current assets / current liabilities	Not reported	No source recorded

Cash generation

Compare reported profit with operating cash and capital spending. Free cash flow is calculated as operating cash flow minus capital expenditure when both exact, consolidated amounts match the same period and unit.

Cash generation by annual reporting period
Period	Net income	Operating cash flow	Capital expenditure	Free cash flow
1995 1995-01-01 – 1995-12-31	USD 732,231 Exact value Exact value: 732231 USD 1995-01-01 – 1995-12-31: 732231 USD Inspect Net Income Open source Share or cite Citation for Net Income · CITIZENS FINANCIAL CORP /KY/ · 1995-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Net Income: 732231 USD Concept: fundies:NetIncome Period: 1995-01-01 to 1995-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ANetIncome&period=1995-12-31&surface=latest&period_type=duration&start=1995-01-01&unit=USD&dimensions= Input fundies:NetIncome: 732231 USD (1995-01-01 to 1995-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-98-000002.txt#1895 The citation records this snapshot. The page link may show a newer release later.	USD 2.66 million Exact value Exact value: 2663756 USD 1995-01-01 – 1995-12-31: 2663756 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CITIZENS FINANCIAL CORP /KY/ · 1995-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Operating Cash Flow: 2663756 USD Concept: fundies:OperatingCashFlow Period: 1995-01-01 to 1995-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3AOperatingCashFlow&period=1995-12-31&surface=latest&period_type=duration&start=1995-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 2663756 USD (1995-01-01 to 1995-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-98-000002.txt#1911 The citation records this snapshot. The page link may show a newer release later.	USD 110,998 Exact value Exact value: 110998 USD 1995-01-01 – 1995-12-31: 110998 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CITIZENS FINANCIAL CORP /KY/ · 1995-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Capital Expenditure: 110998 USD Concept: fundies:CapitalExpenditure Period: 1995-01-01 to 1995-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ACapitalExpenditure&period=1995-12-31&surface=latest&period_type=duration&start=1995-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 110998 USD (1995-01-01 to 1995-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-98-000002.txt#1925 The citation records this snapshot. The page link may show a newer release later.	USD 2.55 million Calculation and evidence 2663756 − 110998 USD Exact free cash flow: 2552758 USD 1995-01-01 – 1995-12-31: 2663756 USD · Inspect Operating Cash Flow · Source 1995-01-01 – 1995-12-31: 110998 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CITIZENS FINANCIAL CORP /KY/ · 1995-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Free cash flow: 2552758 USD Concept: free-cash-flow Period: 1995-01-01 to 1995-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 2663756 USD (1995-01-01 to 1995-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-98-000002.txt#1911 Input fundies:CapitalExpenditure: 110998 USD (1995-01-01 to 1995-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-98-000002.txt#1925 The citation records this snapshot. The page link may show a newer release later.
1996 1996-01-01 – 1996-12-31	USD 1.11 million Exact value Exact value: 1109323 USD 1996-01-01 – 1996-12-31: 1109323 USD Inspect Net Income Open source Share or cite Citation for Net Income · CITIZENS FINANCIAL CORP /KY/ · 1996-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Net Income: 1109323 USD Concept: fundies:NetIncome Period: 1996-01-01 to 1996-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ANetIncome&period=1996-12-31&surface=latest&period_type=duration&start=1996-01-01&unit=USD&dimensions= Input fundies:NetIncome: 1109323 USD (1996-01-01 to 1996-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-99-000017.txt#2063 The citation records this snapshot. The page link may show a newer release later.	USD 1.57 million Exact value Exact value: 1569849 USD 1996-01-01 – 1996-12-31: 1569849 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CITIZENS FINANCIAL CORP /KY/ · 1996-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Operating Cash Flow: 1569849 USD Concept: fundies:OperatingCashFlow Period: 1996-01-01 to 1996-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3AOperatingCashFlow&period=1996-12-31&surface=latest&period_type=duration&start=1996-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 1569849 USD (1996-01-01 to 1996-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-99-000017.txt#2089 The citation records this snapshot. The page link may show a newer release later.	USD 185,501 Exact value Exact value: 185501 USD 1996-01-01 – 1996-12-31: 185501 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CITIZENS FINANCIAL CORP /KY/ · 1996-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Capital Expenditure: 185501 USD Concept: fundies:CapitalExpenditure Period: 1996-01-01 to 1996-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ACapitalExpenditure&period=1996-12-31&surface=latest&period_type=duration&start=1996-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 185501 USD (1996-01-01 to 1996-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-99-000017.txt#2106 The citation records this snapshot. The page link may show a newer release later.	USD 1.38 million Calculation and evidence 1569849 − 185501 USD Exact free cash flow: 1384348 USD 1996-01-01 – 1996-12-31: 1569849 USD · Inspect Operating Cash Flow · Source 1996-01-01 – 1996-12-31: 185501 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CITIZENS FINANCIAL CORP /KY/ · 1996-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Free cash flow: 1384348 USD Concept: free-cash-flow Period: 1996-01-01 to 1996-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 1569849 USD (1996-01-01 to 1996-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-99-000017.txt#2089 Input fundies:CapitalExpenditure: 185501 USD (1996-01-01 to 1996-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-99-000017.txt#2106 The citation records this snapshot. The page link may show a newer release later.
1997 1997-01-01 – 1997-12-31	USD 1.99 million Exact value Exact value: 1988212 USD 1997-01-01 – 1997-12-31: 1988212 USD Inspect Net Income Open source Share or cite Citation for Net Income · CITIZENS FINANCIAL CORP /KY/ · 1997-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Net Income: 1988212 USD Concept: fundies:NetIncome Period: 1997-01-01 to 1997-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ANetIncome&period=1997-12-31&surface=latest&period_type=duration&start=1997-01-01&unit=USD&dimensions= Input fundies:NetIncome: 1988212 USD (1997-01-01 to 1997-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-00-000002.txt#2034 The citation records this snapshot. The page link may show a newer release later.	USD 2.19 million Exact value Exact value: 2191040 USD 1997-01-01 – 1997-12-31: 2191040 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CITIZENS FINANCIAL CORP /KY/ · 1997-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Operating Cash Flow: 2191040 USD Concept: fundies:OperatingCashFlow Period: 1997-01-01 to 1997-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3AOperatingCashFlow&period=1997-12-31&surface=latest&period_type=duration&start=1997-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 2191040 USD (1997-01-01 to 1997-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-00-000002.txt#2059 The citation records this snapshot. The page link may show a newer release later.	USD 163,430 Exact value Exact value: 163430 USD 1997-01-01 – 1997-12-31: 163430 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CITIZENS FINANCIAL CORP /KY/ · 1997-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Capital Expenditure: 163430 USD Concept: fundies:CapitalExpenditure Period: 1997-01-01 to 1997-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ACapitalExpenditure&period=1997-12-31&surface=latest&period_type=duration&start=1997-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 163430 USD (1997-01-01 to 1997-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-00-000002.txt#2076 The citation records this snapshot. The page link may show a newer release later.	USD 2.03 million Calculation and evidence 2191040 − 163430 USD Exact free cash flow: 2027610 USD 1997-01-01 – 1997-12-31: 2191040 USD · Inspect Operating Cash Flow · Source 1997-01-01 – 1997-12-31: 163430 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CITIZENS FINANCIAL CORP /KY/ · 1997-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Free cash flow: 2027610 USD Concept: free-cash-flow Period: 1997-01-01 to 1997-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 2191040 USD (1997-01-01 to 1997-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-00-000002.txt#2059 Input fundies:CapitalExpenditure: 163430 USD (1997-01-01 to 1997-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-00-000002.txt#2076 The citation records this snapshot. The page link may show a newer release later.
1998 1998-01-01 – 1998-12-31	USD 3.3 million Exact value Exact value: 3299660 USD 1998-01-01 – 1998-12-31: 3299660 USD Inspect Net Income Open source Share or cite Citation for Net Income · CITIZENS FINANCIAL CORP /KY/ · 1998-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Net Income: 3299660 USD Concept: fundies:NetIncome Period: 1998-01-01 to 1998-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ANetIncome&period=1998-12-31&surface=latest&period_type=duration&start=1998-01-01&unit=USD&dimensions= Input fundies:NetIncome: 3299660 USD (1998-01-01 to 1998-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-01-000004.txt#1923 The citation records this snapshot. The page link may show a newer release later.	USD 1.62 million Exact value Exact value: 1619804 USD 1998-01-01 – 1998-12-31: 1619804 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CITIZENS FINANCIAL CORP /KY/ · 1998-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Operating Cash Flow: 1619804 USD Concept: fundies:OperatingCashFlow Period: 1998-01-01 to 1998-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3AOperatingCashFlow&period=1998-12-31&surface=latest&period_type=duration&start=1998-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 1619804 USD (1998-01-01 to 1998-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-00-000002.txt#2059 The citation records this snapshot. The page link may show a newer release later.	USD 512,242 Exact value Exact value: 512242 USD 1998-01-01 – 1998-12-31: 512242 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CITIZENS FINANCIAL CORP /KY/ · 1998-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Capital Expenditure: 512242 USD Concept: fundies:CapitalExpenditure Period: 1998-01-01 to 1998-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ACapitalExpenditure&period=1998-12-31&surface=latest&period_type=duration&start=1998-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 512242 USD (1998-01-01 to 1998-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-00-000002.txt#2076 The citation records this snapshot. The page link may show a newer release later.	USD 1.11 million Calculation and evidence 1619804 − 512242 USD Exact free cash flow: 1107562 USD 1998-01-01 – 1998-12-31: 1619804 USD · Inspect Operating Cash Flow · Source 1998-01-01 – 1998-12-31: 512242 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CITIZENS FINANCIAL CORP /KY/ · 1998-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Free cash flow: 1107562 USD Concept: free-cash-flow Period: 1998-01-01 to 1998-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 1619804 USD (1998-01-01 to 1998-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-00-000002.txt#2059 Input fundies:CapitalExpenditure: 512242 USD (1998-01-01 to 1998-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-00-000002.txt#2076 The citation records this snapshot. The page link may show a newer release later.
1999 1999-01-01 – 1999-12-31	USD 6.44 million Exact value Exact value: 6438845 USD 1999-01-01 – 1999-12-31: 6438845 USD Inspect Net Income Open source Share or cite Citation for Net Income · CITIZENS FINANCIAL CORP /KY/ · 1999-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Net Income: 6438845 USD Concept: fundies:NetIncome Period: 1999-01-01 to 1999-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ANetIncome&period=1999-12-31&surface=latest&period_type=duration&start=1999-01-01&unit=USD&dimensions= Input fundies:NetIncome: 6438845 USD (1999-01-01 to 1999-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-02-000002.txt#2181 The citation records this snapshot. The page link may show a newer release later.	USD 360,845 Exact value Exact value: 360845 USD 1999-01-01 – 1999-12-31: 360845 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CITIZENS FINANCIAL CORP /KY/ · 1999-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Operating Cash Flow: 360845 USD Concept: fundies:OperatingCashFlow Period: 1999-01-01 to 1999-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3AOperatingCashFlow&period=1999-12-31&surface=latest&period_type=duration&start=1999-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 360845 USD (1999-01-01 to 1999-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-02-000002.txt#2198 The citation records this snapshot. The page link may show a newer release later.	USD 197,603 Exact value Exact value: 197603 USD 1999-01-01 – 1999-12-31: 197603 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CITIZENS FINANCIAL CORP /KY/ · 1999-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Capital Expenditure: 197603 USD Concept: fundies:CapitalExpenditure Period: 1999-01-01 to 1999-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ACapitalExpenditure&period=1999-12-31&surface=latest&period_type=duration&start=1999-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 197603 USD (1999-01-01 to 1999-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-02-000002.txt#2209 The citation records this snapshot. The page link may show a newer release later.	USD 163,242 Calculation and evidence 360845 − 197603 USD Exact free cash flow: 163242 USD 1999-01-01 – 1999-12-31: 360845 USD · Inspect Operating Cash Flow · Source 1999-01-01 – 1999-12-31: 197603 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CITIZENS FINANCIAL CORP /KY/ · 1999-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Free cash flow: 163242 USD Concept: free-cash-flow Period: 1999-01-01 to 1999-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 360845 USD (1999-01-01 to 1999-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-02-000002.txt#2198 Input fundies:CapitalExpenditure: 197603 USD (1999-01-01 to 1999-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-02-000002.txt#2209 The citation records this snapshot. The page link may show a newer release later.
2000 2000-01-01 – 2000-12-31	USD 238,130 Exact value Exact value: 238130 USD 2000-01-01 – 2000-12-31: 238130 USD Inspect Net Income Open source Share or cite Citation for Net Income · CITIZENS FINANCIAL CORP /KY/ · 2000-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Net Income: 238130 USD Concept: fundies:NetIncome Period: 2000-01-01 to 2000-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ANetIncome&period=2000-12-31&surface=latest&period_type=duration&start=2000-01-01&unit=USD&dimensions= Input fundies:NetIncome: 238130 USD (2000-01-01 to 2000-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-03-000003.txt#2187 The citation records this snapshot. The page link may show a newer release later.	−USD 466,511 Exact value Exact value: -466511 USD 2000-01-01 – 2000-12-31: -466511 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CITIZENS FINANCIAL CORP /KY/ · 2000-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Operating Cash Flow: -466511 USD Concept: fundies:OperatingCashFlow Period: 2000-01-01 to 2000-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3AOperatingCashFlow&period=2000-12-31&surface=latest&period_type=duration&start=2000-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: -466511 USD (2000-01-01 to 2000-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-03-000003.txt#2205 The citation records this snapshot. The page link may show a newer release later.	USD 1.07 million Exact value Exact value: 1065533 USD 2000-01-01 – 2000-12-31: 1065533 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CITIZENS FINANCIAL CORP /KY/ · 2000-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Capital Expenditure: 1065533 USD Concept: fundies:CapitalExpenditure Period: 2000-01-01 to 2000-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ACapitalExpenditure&period=2000-12-31&surface=latest&period_type=duration&start=2000-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 1065533 USD (2000-01-01 to 2000-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-03-000003.txt#2216 The citation records this snapshot. The page link may show a newer release later.	−USD 1.53 million Calculation and evidence -466511 − 1065533 USD Exact free cash flow: -1532044 USD 2000-01-01 – 2000-12-31: -466511 USD · Inspect Operating Cash Flow · Source 2000-01-01 – 2000-12-31: 1065533 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CITIZENS FINANCIAL CORP /KY/ · 2000-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Free cash flow: -1532044 USD Concept: free-cash-flow Period: 2000-01-01 to 2000-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: -466511 USD (2000-01-01 to 2000-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-03-000003.txt#2205 Input fundies:CapitalExpenditure: 1065533 USD (2000-01-01 to 2000-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-03-000003.txt#2216 The citation records this snapshot. The page link may show a newer release later.
2001 2001-01-01 – 2001-12-31	−USD 6.21 million Exact value Exact value: -6205575 USD 2001-01-01 – 2001-12-31: -6205575 USD Inspect Net Income Open source Share or cite Citation for Net Income · CITIZENS FINANCIAL CORP /KY/ · 2001-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Net Income: -6205575 USD Concept: fundies:NetIncome Period: 2001-01-01 to 2001-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ANetIncome&period=2001-12-31&surface=latest&period_type=duration&start=2001-01-01&unit=USD&dimensions= Input fundies:NetIncome: -6205575 USD (2001-01-01 to 2001-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-04-000007.txt#2109 The citation records this snapshot. The page link may show a newer release later.	USD 6.39 million Exact value Exact value: 6393581 USD 2001-01-01 – 2001-12-31: 6393581 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CITIZENS FINANCIAL CORP /KY/ · 2001-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Operating Cash Flow: 6393581 USD Concept: fundies:OperatingCashFlow Period: 2001-01-01 to 2001-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3AOperatingCashFlow&period=2001-12-31&surface=latest&period_type=duration&start=2001-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 6393581 USD (2001-01-01 to 2001-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-03-000003.txt#2205 The citation records this snapshot. The page link may show a newer release later.	USD 40,392 Exact value Exact value: 40392 USD 2001-01-01 – 2001-12-31: 40392 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CITIZENS FINANCIAL CORP /KY/ · 2001-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Capital Expenditure: 40392 USD Concept: fundies:CapitalExpenditure Period: 2001-01-01 to 2001-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ACapitalExpenditure&period=2001-12-31&surface=latest&period_type=duration&start=2001-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 40392 USD (2001-01-01 to 2001-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-03-000003.txt#2216 The citation records this snapshot. The page link may show a newer release later.	USD 6.35 million Calculation and evidence 6393581 − 40392 USD Exact free cash flow: 6353189 USD 2001-01-01 – 2001-12-31: 6393581 USD · Inspect Operating Cash Flow · Source 2001-01-01 – 2001-12-31: 40392 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CITIZENS FINANCIAL CORP /KY/ · 2001-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Free cash flow: 6353189 USD Concept: free-cash-flow Period: 2001-01-01 to 2001-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 6393581 USD (2001-01-01 to 2001-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-03-000003.txt#2205 Input fundies:CapitalExpenditure: 40392 USD (2001-01-01 to 2001-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-03-000003.txt#2216 The citation records this snapshot. The page link may show a newer release later.
2002 2002-01-01 – 2002-12-31	−USD 2.57 million Exact value Exact value: -2572060 USD 2002-01-01 – 2002-12-31: -2572060 USD Inspect Net Income Open source Share or cite Citation for Net Income · CITIZENS FINANCIAL CORP /KY/ · 2002-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Net Income: -2572060 USD Concept: fundies:NetIncome Period: 2002-01-01 to 2002-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ANetIncome&period=2002-12-31&surface=latest&period_type=duration&start=2002-01-01&unit=USD&dimensions= Input fundies:NetIncome: -2572060 USD (2002-01-01 to 2002-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-05-000002.txt#6160 The citation records this snapshot. The page link may show a newer release later.	USD 16.55 million Exact value Exact value: 16554480 USD 2002-01-01 – 2002-12-31: 16554480 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CITIZENS FINANCIAL CORP /KY/ · 2002-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Operating Cash Flow: 16554480 USD Concept: fundies:OperatingCashFlow Period: 2002-01-01 to 2002-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3AOperatingCashFlow&period=2002-12-31&surface=latest&period_type=duration&start=2002-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 16554480 USD (2002-01-01 to 2002-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-05-000002.txt#6298 The citation records this snapshot. The page link may show a newer release later.	USD 31,908 Exact value Exact value: 31908 USD 2002-01-01 – 2002-12-31: 31908 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CITIZENS FINANCIAL CORP /KY/ · 2002-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Capital Expenditure: 31908 USD Concept: fundies:CapitalExpenditure Period: 2002-01-01 to 2002-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ACapitalExpenditure&period=2002-12-31&surface=latest&period_type=duration&start=2002-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 31908 USD (2002-01-01 to 2002-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-03-000003.txt#2216 The citation records this snapshot. The page link may show a newer release later.	USD 16.52 million Calculation and evidence 16554480 − 31908 USD Exact free cash flow: 16522572 USD 2002-01-01 – 2002-12-31: 16554480 USD · Inspect Operating Cash Flow · Source 2002-01-01 – 2002-12-31: 31908 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CITIZENS FINANCIAL CORP /KY/ · 2002-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Free cash flow: 16522572 USD Concept: free-cash-flow Period: 2002-01-01 to 2002-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 16554480 USD (2002-01-01 to 2002-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-05-000002.txt#6298 Input fundies:CapitalExpenditure: 31908 USD (2002-01-01 to 2002-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-03-000003.txt#2216 The citation records this snapshot. The page link may show a newer release later.
2003 2003-01-01 – 2003-12-31	USD 711,822 Exact value Exact value: 711822 USD 2003-01-01 – 2003-12-31: 711822 USD Inspect Net Income Open source Share or cite Citation for Net Income · CITIZENS FINANCIAL CORP /KY/ · 2003-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Net Income: 711822 USD Concept: fundies:NetIncome Period: 2003-01-01 to 2003-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ANetIncome&period=2003-12-31&surface=latest&period_type=duration&start=2003-01-01&unit=USD&dimensions= Input fundies:NetIncome: 711822 USD (2003-01-01 to 2003-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-05-000002.txt#6160 The citation records this snapshot. The page link may show a newer release later.	USD 6.07 million Exact value Exact value: 6069391 USD 2003-01-01 – 2003-12-31: 6069391 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CITIZENS FINANCIAL CORP /KY/ · 2003-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Operating Cash Flow: 6069391 USD Concept: fundies:OperatingCashFlow Period: 2003-01-01 to 2003-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3AOperatingCashFlow&period=2003-12-31&surface=latest&period_type=duration&start=2003-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 6069391 USD (2003-01-01 to 2003-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-05-000002.txt#6298 The citation records this snapshot. The page link may show a newer release later.	USD 70,025 Exact value Exact value: 70025 USD 2003-01-01 – 2003-12-31: 70025 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CITIZENS FINANCIAL CORP /KY/ · 2003-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Capital Expenditure: 70025 USD Concept: fundies:CapitalExpenditure Period: 2003-01-01 to 2003-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ACapitalExpenditure&period=2003-12-31&surface=latest&period_type=duration&start=2003-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 70025 USD (2003-01-01 to 2003-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-04-000007.txt#2353 The citation records this snapshot. The page link may show a newer release later.	USD 6 million Calculation and evidence 6069391 − 70025 USD Exact free cash flow: 5999366 USD 2003-01-01 – 2003-12-31: 6069391 USD · Inspect Operating Cash Flow · Source 2003-01-01 – 2003-12-31: 70025 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CITIZENS FINANCIAL CORP /KY/ · 2003-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Free cash flow: 5999366 USD Concept: free-cash-flow Period: 2003-01-01 to 2003-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 6069391 USD (2003-01-01 to 2003-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-05-000002.txt#6298 Input fundies:CapitalExpenditure: 70025 USD (2003-01-01 to 2003-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-04-000007.txt#2353 The citation records this snapshot. The page link may show a newer release later.
2004 2004-01-01 – 2004-12-31	USD 255,613 Exact value Exact value: 255613 USD 2004-01-01 – 2004-12-31: 255613 USD Inspect Net Income Open source Share or cite Citation for Net Income · CITIZENS FINANCIAL CORP /KY/ · 2004-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Net Income: 255613 USD Concept: fundies:NetIncome Period: 2004-01-01 to 2004-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3ANetIncome&period=2004-12-31&surface=latest&period_type=duration&start=2004-01-01&unit=USD&dimensions= Input fundies:NetIncome: 255613 USD (2004-01-01 to 2004-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-05-000002.txt#6160 The citation records this snapshot. The page link may show a newer release later.	USD 912,734 Exact value Exact value: 912734 USD 2004-01-01 – 2004-12-31: 912734 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CITIZENS FINANCIAL CORP /KY/ · 2004-12-31 CITIZENS FINANCIAL CORP /KY/ (edgar:887136) Operating Cash Flow: 912734 USD Concept: fundies:OperatingCashFlow Period: 2004-01-01 to 2004-12-31 Values: Latest reported Published: 2026-11-02T11:33:13Z Snapshot: 8aad306acb50d6d5ce795d20a2ea53e08b20a1ebe48c68776b6cdec9bf6c2041 Dimensions: Consolidated View: https://fundies.io/companies/edgar/887136/explain?concept=fundies%3AOperatingCashFlow&period=2004-12-31&surface=latest&period_type=duration&start=2004-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 912734 USD (2004-01-01 to 2004-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/887136/0000887136-05-000002.txt#6298 The citation records this snapshot. The page link may show a newer release later.	Unavailable Not reported for this period.	Unavailable Free cash flow cannot be calculated because Capital expenditure is unavailable for this period.

Capital expenditure uses the canonical mapped positive-spending convention. A missing, ambiguous, incompatible, or negative-sign input is left blank. Values use the latest reported version.

Dataset coverage and company identifiers

Coverage reflects filings processed into this Fundies dataset; it does not imply every source filing is loaded.

57 filings · 0 latest values · 0 originally reported values

Dataset published 2026-11-02. Source filing dates and reporting periods are shown separately.

Identifiers: 0000887136, 887136, edgar:887136

CITIZENS FINANCIAL CORP /KY/

Latest quarter

Revenue

Net margin

Trailing twelve months

Operating cash flow

Capital expenditure

Company performance

What changed year over year

Revenue

Net income

Operating cash flow

Where revenue goes

2004 2004-01-01 – 2004-12-31

Cash

Share of revenue by period

Growth

Profit and cash

Balance sheet

Cash generation