Central Valley Comm. Bancorp Annual Income Statement (NASDAQ:CVCY)

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$19.26 $0.37 (1.88%) CVCY stock closing price Jan 17, 2017 (Closing)

Financial analysis of Central Valley Comm. Bancorp involves more than just checking the Central Valley Comm. Bancorp stock price, by looking at the financial statements of the company in detail. 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 generated for a specific period of time. The revenue increase of $51.2M for 2015 impacts the CVCY stock. Investors typically check year over year or quarter over quarter revenue growth. The Central Valley Comm. Bancorp profit and loss statement for 2015 shows a profit of $10.96M. Profits have grown from $5.29M YoY. Apart from this an investor should also check Central Valley Comm. Bancorp assets and Central Valley Comm. Bancorp free cash flow. Central Valley Comm. Bancorp revenue for 2015 is $51.2M. 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
Central Valley Comm. Bancorp Net Sales or Revenues
51.2M49.2M42.66M39.06M40.57M39.73M46.58M37.03M37.08M36.1M
Cost Of Goods Sold (COGS)0.94M1.06M1.27M1.63M2.66M3.71M5.86M6.34M7.89M6.21M
Central Valley Comm. Bancorp Gross Profit
50.26M48.14M41.39M37.43M37.91M36.02M40.71M30.69M29.19M29.89M
Research & Development Expense----------
Selling General & Admin Expense36.29M42.98M30.44M27.49M28.88M32.12M38.04M22.26M19.57M19.34M
Income Before Depreciation Depletion Amortization13.96M5.15M10.95M9.94M9.03M3.89M2.67M8.42M9.61M10.55M
Depreciation Depletion Amortization0.32M0.33M0.26M0.2M0.41M0.41M----
Non Operating Income--0.97M0.28M------
Interest Expense0.09M0.09M0.11M0.25M0.28M0.57M0.76M0.93M0.16M0.34M
Central Valley Comm. Bancorp Pretax Income
13.54M4.72M9.59M9.2M8.33M2.91M1.91M7.49M9.44M10.2M
Provision for Income Taxes2.58M-0.57M1.34M1.68M1.86M-0.36M-0.67M2.35M3.16M3.29M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations10.96M5.29M8.25M7.52M6.47M3.27M2.58M5.13M6.28M6.91M
Extraordinary Items & Discontinued Operations----------
Central Valley Comm. Bancorp Net Income (Profit/Loss)
10.96M5.29M8.25M7.52M6.47M3.27M2.58M5.13M6.28M6.91M
Average Shares used to compute Diluted EPS11.02M11M10.31M9.62M9.54M9.29M7.8M6.19M6.34M5.96M
Average Shares used to compute Basic EPS10.93M10.92M10.25M9.59M9.52M9.21M7.69M6.19M5.98M5.96M
Income Before Nonrecurring Items10.96M5.29M8.25M7.52M6.48M3.28M2.59M5.14M6.28M6.91M
Income from Nonrecurring Items----------
Central Valley Comm. Bancorp Earnings Per Share Basic Net
1.000.480.770.750.630.310.290.831.051.16
Central Valley Comm. Bancorp Earnings Per Share Diluted Net
1.000.480.770.750.630.310.280.790.991.07
EPS Diluted Before Nonrecurring Items1.000.480.770.750.630.310.280.790.991.07
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.180.200.200.05---0.100.60-
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 Central Valley Comm. Bancorp stock analysis are:
  • Revenue: The money received by selling of goods or services comes under this line item. A YoY growth (See: Central Valley Comm. Bancorp revenue chart) implies that the company is growing, which has been the case with Central Valley Comm. Bancorp. 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 $51.2M - other expenses = $10.96M for CVCY 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 Central Valley Comm. Bancorp historical stock prices provides a lot of details about the firm. .

Central Valley Comm. Bancorp Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
13.7570
PS ratio (
price sales ratio
)
3.9373
Operating margin
36.3
Net profit margin
23.2
Dividend yield
1.25%