C&F Financial Annual Income Statement (NASDAQ:CFFI)

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$46.3 $0.4 (0.87%) CFFI stock closing price Dec 07, 2016 (Closing)

CFFI stock valuation based on fundamental analysis involves checking and analyzing financial statements and not just the C&F Financial stock price. The income statement is a summary of the revenue, expenses and profitability (shown as Net Income) or lack of it. The income statement is generated for a specific period of time. The revenue increase of $107.76M for 2015 impacts the CFFI stock. Investors typically check year over year or quarter over quarter revenue growth. The operating expenses (also check: C&F Financial assets and C&F Financial free cash flow) as shown in the C&F Financial profit and loss statement 2015 total to $85.87M. This line item has increased from $84.54M compared with last year. C&F Financial revenue for 2015 is $107.76M. View revenue and profit details for latest and last 10 financial years.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
C&F Financial Net Sales or Revenues
107.76M106.06M102.43M110.46M100.83M99.54M101.66M89.27M90.7M85.96M
Cost Of Goods Sold (COGS)4.19M4.08M4.25M5.32M7M8.23M10.31M13.34M14.93M11.15M
C&F Financial Gross Profit
103.56M101.98M98.18M105.14M93.83M91.31M91.34M75.93M75.77M74.81M
Research & Development Expense----------
Selling General & Admin Expense81.68M80.46M72.69M76.32M70.24M75.25M78.73M63.08M55.5M49.95M
Income Before Depreciation Depletion Amortization21.88M21.52M25.48M28.81M23.58M16.05M12.61M12.85M20.27M24.86M
Depreciation Depletion Amortization----------
Non Operating Income----------
Interest Expense4.5M4.44M4.37M4.78M4.87M4.99M5.14M8.05M8.44M7.3M
C&F Financial Pretax Income
17.38M17.07M21.11M24.02M18.71M11.05M7.47M4.79M11.82M17.55M
Provision for Income Taxes4.85M4.73M6.71M7.64M5.73M2.94M1.94M0.61M3.34M5.43M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations12.53M12.34M14.4M16.38M12.97M8.11M5.52M4.18M8.48M12.12M
Extraordinary Items & Discontinued Operations----------
C&F Financial Net Income (Profit/Loss)
12.53M12.34M14.4M16.38M12.97M8.11M5.52M4.18M8.48M12.12M
Average Shares used to compute Diluted EPS3.41M3.4M3.44M3.21M3.14M3.1M3.05M2.99M3.04M3.15M
Average Shares used to compute Basic EPS3.41M3.4M3.31M3.21M3.14M3.09M3.04M2.99M3.04M3.15M
Income Before Nonrecurring Items12.53M12.35M14.4M16.07M11.79M8.11M5.53M4.18M8.48M11.43M
Income from Nonrecurring Items---------0.7M
C&F Financial Earnings Per Share Basic Net
3.683.634.365.003.762.261.441.402.793.85
C&F Financial Earnings Per Share Diluted Net
3.683.594.184.863.722.241.441.382.683.71
EPS Diluted Before Nonrecurring Items3.683.594.184.863.722.241.441.382.683.48
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common1.221.191.161.081.011.001.061.241.241.16
All figures in USD. M: Millions of USD, B: Billions of USD.
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The key things to look for in an income statement while doing C&F Financial stock analysis are:
  • Revenue: The money received by selling of goods or services comes under this line item. A YoY growth (See: C&F Financial revenue chart) implies that the company is growing, which has been the case with C&F Financial. One must stay away from stocks whose revenues are declining.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $107.76M - other expenses = $12.53M for CFFI 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 C&F Financial historical stock prices to check how the price has moved with time. .

C&F Financial Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
12.6500
PS ratio (
price sales ratio
)
1.4378
Operating margin
18.6
Net profit margin
10.7
Dividend yield
2.76%