Citizens First is a bank holding company. Through its subsidiary, Citizens First Bank, Inc., Co. provides a range of loans, including commercial and residential real estate mortgage loans, construction loans, commercial loans and consumer loans to individuals and businesses. Co.'s deposit products include checking and savings accounts, money market accounts, sweep accounts, fixed and variable rate individual retirement accounts, and certificate of deposit accounts. Co. primarily markets its products and services to small and medium-sized businesses and to retail consumers. The CZFC average annual return 10 years is shown above.
The Average Annual Return on the CZFC average annual return 10 years page and across the coverage universe of our site,
is a measure of the annualized return over the past ten years (or specified start date) for a given investment
(up to the end of prior trading session recorded). Arguably, choosing ten years for a measurement
period is on the one hand completely arbitrary, but on the other hand provides a sufficiently long window
to capture long-term trends.
Thus, researching Average Annual Returns is good practice for investors — whether CZFC average annual return 10 years or other benchmarks/peers
— and when doing so it is also important to factor in dividends, because a financial instrument's annualized return is
more than just the change in price if that instrument pays a dividend or coupon. Our website aims to empower investors
by performing the CZFC average annual return calculation with any dividends reinvested as applicable (on ex-dates).
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