Atlantic Coast Financial Annual Income Statement (NASDAQ:ACFC)

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$6.55 $0.06 (0.92%) ACFC stock closing price Oct 21, 2016 (Closing)

Fundamental analysis of ACFC stock involves analyzing its financial statements, apart from checking the Atlantic Coast Financial stock price The income statement gives the investor an understanding of the topline and bottomline numbers of the company and helps investors evaluate if a company has been growing or not. Like any other income statement, the ACFC income statement also itemizes revenue, operating expenses, and profits for a quarter or year and reflects a YoY revenue growth of $2.07M when compared to the same period in the past. Along with Atlantic Coast Financial assets and Atlantic Coast Financial free cash flow, profits as shown in profit and loss statement give key insights about the business. The profits have increased from $1.32M YoY and 2015 revenue is $36.64M. Atlantic Coast Financial revenue for 2015 is $36.64M. View revenue and profit details for latest and last 10 financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Atlantic Coast Financial Net Sales or Revenues
Cost Of Goods Sold (COGS)2.42M2.48M3.3M4.12M6.17M10M15.92M20.65M23.79M18.44M
Atlantic Coast Financial Gross Profit
Research & Development Expense----------
Selling General & Admin Expense29.74M22.73M33.87M35.84M43.46M46.12M46.36M39.46M28.06M22.15M
Income Before Depreciation Depletion Amortization4.47M9.35M-2.01M3.62M-0.13M-3M-9.4M5.27M10.57M13.64M
Depreciation Depletion Amortization----------
Non Operating Income-------2.81M---
Interest Expense6.26M8.02M9.38M10.14M10.57M11.18M11.01M11.35M9.32M6.1M
Atlantic Coast Financial Pretax Income
Provision for Income Taxes-9.5M--0.15M-0.42M-6.11M-3.23M0.13M2.39M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations7.71M1.32M-11.4M-6.66M-10.28M-14.19M-29.33M-2.84M1.11M5.15M
Extraordinary Items & Discontinued Operations----------
Atlantic Coast Financial Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS15.4M15.39M3.53M2.5M2.49M13.16M2.57M2.59M2.62M2.66M
Average Shares used to compute Basic EPS15.4M15.39M3.53M2.5M2.49M13.16M2.57M2.57M2.58M2.63M
Income Before Nonrecurring Items2.8M1.33M-4.01M-6.67M-10.29M-14.2M-14.04M-2.85M1.12M5.15M
Income from Nonrecurring Items4.92M--7.39M----9M---
Atlantic Coast Financial Earnings Per Share Basic Net
Atlantic Coast Financial Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items0.180.09-1.13-2.67-4.13-1.08-5.46-1.120.411.94
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common------0.562.702.761.94
All figures in USD. M: Millions of USD, B: Billions of USD.

Atlantic Coast Financial stock analysis involves checking at least a few of the important things like:
  • Topline: A growing topline, as seen from the Atlantic Coast Financial revenue chart, as is the case with Atlantic Coast Financial indicates a growing business. One needs to compare the QoQ or YoY topline growth of ACFC stock with its peers like CLBH stock and ASBB stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $36.64M - other expenses = $7.71M for ACFC stock. An improving bottomline implies that the company is growing profits.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the Atlantic Coast Financial historical stock prices to check how the price has moved with time. .

Atlantic Coast Financial Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield