Cardinal Financial Annual Income Statement (NASDAQ:CFNL)

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$31.22 $0.2 (0.64%) CFNL stock closing price Feb 17, 2017 (Closing)

Stock analysis based on fundamentals means looking at financial statements in addition to the Cardinal Financial stock price. In the income statement, an investor can check for important parameters like the topline, the bottomline, the EPS basic, dividends etc. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the CFNL stock is bound to reflect the impact of the YoY decline of $130.8M. One also needs to look at Cardinal Financial assets, operating expenses and Cardinal Financial free cash flow. The profit and loss statement shows revenue of $62.35M for 2016. Revenue has decreased by $130.8M YoY for CFNL stock. Cardinal Financial revenue for 2016 is $62.35M. 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. 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Cardinal Financial Net Sales or Revenues
62.35M193.15M168.04M144.02M178.44M137.21M124.02M110.09M106.42M118.12M
Cost Of Goods Sold (COGS)-16.19M12.25M13.01M14.83M13.56M15.56M23.69M32.09M-
Cardinal Financial Gross Profit
62.35M176.96M155.78M131.01M163.6M123.65M108.46M86.39M74.33M-
Research & Development Expense----------
Selling General & Admin Expense107.66M93.07M87.88M80.46M83.57M67.74M63.42M56.99M51.54M-
Income Before Depreciation Depletion Amortization-45.3M83.88M67.9M50.54M80.03M55.9M45.03M29.4M22.78M-
Depreciation Depletion Amortization3.15M4.13M4.5M3.34M2.86M2.71M5.18M2.18M5.45M-
Non Operating Income4.09M0.47M5.78M0.16M--0.91M-1.36M--4.4M-
Interest Expense-7.87M8.9M8.75M9.2M10.15M12.02M12.5M13.54M-
Cardinal Financial Pretax Income
75.3M71.4M48.71M37.68M67.95M42.12M26.46M14.71M-0.62M-
Provision for Income Taxes24.81M24.06M16.02M12.17M22.65M14.12M8.02M4.38M-0.91M-
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations50.49M47.33M32.68M25.51M45.29M27.99M18.44M10.32M0.28M4.48M
Extraordinary Items & Discontinued Operations----------
Cardinal Financial Net Income (Profit/Loss)
50.49M47.33M32.68M25.51M45.29M27.99M18.44M10.32M0.28M4.48M
Average Shares used to compute Diluted EPS33.69M33.21M32.82M31.08M30M29.78M29.61M27.67M24.84M25.01M
Average Shares used to compute Basic EPS33.17M32.74M32.39M30.69M29.65M29.4M29.12M27.19M24.37M24.61M
Income Before Nonrecurring Items53.56M45.74M37.18M35.27M45.3M28M18.44M10.33M2.31M6.98M
Income from Nonrecurring Items-3.07M1.59M-4.5M-9.76M-----2.02M-2.5M
Cardinal Financial Earnings Per Share Basic Net
1.521.451.010.831.530.950.630.380.010.18
Cardinal Financial Earnings Per Share Diluted Net
1.501.431.000.821.510.940.620.370.010.18
EPS Diluted Before Nonrecurring Items1.601.391.141.131.510.940.620.370.090.28
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.480.440.340.230.200.120.080.040.040.04
All figures in USD. M: Millions of USD, B: Billions of USD.
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It is very helpful to read a report on Cardinal Financial stock analysis. An investor must check the following items in an income statement:
  • Topline: A growing topline, as seen from the Cardinal Financial revenue chart, as is not the case with Cardinal Financial indicates a sagging business. One needs to compare the QoQ or YoY topline growth of CFNL stock with its peers like CUBI stock and SYBT 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 $62.35M - other expenses = $50.49M for CFNL stock. An improving bottomline implies that the company is growing profits.
The income statement is also called statement of revenue and expense. The financials along with Cardinal Financial historical stock prices provides a lot of details about the firm. .

Cardinal Financial Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
20.8130
PS ratio (
price sales ratio
)
16.7642
Operating margin
110.3
Net profit margin
-10.2
Dividend yield
1.54%