Citizens First Annual Income Statement (NASDAQ:CZFC)

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$18.25 $0.25 (1.39%) CZFC stock closing price Jan 18, 2017 (Closing)

CZFC stock valuation based on fundamental analysis involves checking and analyzing financial statements and not just the Citizens First 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 always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the CZFC stock is bound to reflect the impact of the YoY growth of $0.94M. The Citizens First profit and loss statement for 2015 shows a profit of $3.6M. Profits have grown from $3.24M YoY. Apart from this an investor should also check Citizens First assets and Citizens First free cash flow. Citizens First revenue for 2015 is $20.96M. 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
Citizens First Net Sales or Revenues
Cost Of Goods Sold (COGS)2.22M2.13M2.42M2.92M3.75M4.71M5.58M8.37M9.99M4.97M
Citizens First Gross Profit
Research & Development Expense----------
Selling General & Admin Expense13.26M12.5M14.91M13.4M12.7M11.84M16.81M12.99M12.68M7.55M
Income Before Depreciation Depletion Amortization5.47M5.38M3.22M5.19M4.12M3.9M-1.97M2M2.56M3.99M
Depreciation Depletion Amortization0.07M0.33M0.33M0.34M0.28M0.26M0.27M8.98M--
Non Operating Income----------
Interest Expense0.37M0.57M0.53M0.52M0.42M0.35M0.82M1.22M0.82M0.68M
Citizens First Pretax Income
Provision for Income Taxes1.41M1.24M0.51M1.14M0.8M0.73M-1.44M-2.56M0.44M1.15M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations3.6M3.24M1.83M3.17M2.6M2.53M-1.62M-5.64M1.29M2.15M
Extraordinary Items & Discontinued Operations----------
Citizens First Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS2.21M1.97M1.97M2.05M1.97M1.97M1.97M1.97M1.99M1.1M
Average Shares used to compute Basic EPS1.97M1.97M1.97M1.96M1.97M1.97M1.97M1.97M1.99M1.1M
Income Before Nonrecurring Items3.61M3.24M1.84M3.17M2.61M2.54M-1.59M0.65M1.3M2.15M
Income from Nonrecurring Items--------6.29M--
Citizens First Earnings Per Share Basic Net
Citizens First Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items1.401.290.521.110.810.75-1.320.060.391.28
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.08------0.100.10-
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 Citizens First stock analysis. An investor must check the following items in an income statement:
  • Revenue: The money received by selling of goods or services comes under this line item. A YoY growth (See: Citizens First revenue chart) implies that the company is growing, which has been the case with Citizens First. One must stay away from stocks whose revenues are declining.
  • Bottom line: The word bottom line comes because it is usually the last line of the income statement and refers to the actual profits after deducting all expenses from the revenues. CZFC stock had a healthy bottom line growth.
The income statement is also called statement of revenue and expense. The financials along with Citizens First historical stock prices provides a lot of details about the firm. .

Citizens First Income Statement - Key Financial Ratios

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