Citizens First Annual Income Statement (NASDAQ:CZFC)

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$19.59 $0 (0%) CZFC stock closing price Feb 23, 2017 (Closing)

Looking at financial statements, along with the Citizens First stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   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. 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 $0.45M. Along with Citizens First assets and Citizens First free cash flow, profits as shown in profit and loss statement give key insights about the business. The profits have increased from $3.6M YoY and 2016 revenue is $21.41M. Citizens First revenue for 2016 is $21.41M. 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
Citizens First Net Sales or Revenues
21.41M20.96M20.02M20.56M21.52M20.58M20.45M20.43M23.37M25.24M
Cost Of Goods Sold (COGS)-2.22M2.13M2.42M2.92M3.75M4.71M5.58M8.37M9.99M
Citizens First Gross Profit
-18.73M17.88M18.14M18.6M16.82M15.74M14.84M14.99M15.25M
Research & Development Expense----------
Selling General & Admin Expense-13.26M12.5M14.91M13.4M12.7M11.84M16.81M12.99M12.68M
Income Before Depreciation Depletion Amortization-5.47M5.38M3.22M5.19M4.12M3.9M-1.97M2M2.56M
Depreciation Depletion Amortization-0.07M0.33M0.33M0.34M0.28M0.26M0.27M8.98M-
Non Operating Income----------
Interest Expense-0.37M0.57M0.53M0.52M0.42M0.35M0.82M1.22M0.82M
Citizens First Pretax Income
-5.02M4.48M2.35M4.32M3.41M3.27M-3.07M-8.2M1.74M
Provision for Income Taxes-1.41M1.24M0.51M1.14M0.8M0.73M-1.44M-2.56M0.44M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations4.22M3.6M3.24M1.83M3.17M2.6M2.53M-1.62M-5.64M1.29M
Extraordinary Items & Discontinued Operations----------
Citizens First Net Income (Profit/Loss)
4.22M3.6M3.24M1.83M3.17M2.6M2.53M-1.62M-5.64M1.29M
Average Shares used to compute Diluted EPS2M2.21M1.97M1.97M2.05M1.97M1.97M1.97M1.97M1.99M
Average Shares used to compute Basic EPS2M1.97M1.97M1.97M1.96M1.97M1.97M1.97M1.97M1.99M
Income Before Nonrecurring Items4.22M3.61M3.24M1.84M3.17M2.61M2.54M-1.59M0.65M1.3M
Income from Nonrecurring Items---------6.29M-
Citizens First Earnings Per Share Basic Net
1.861.571.380.551.160.840.77-1.32-3.140.39
Citizens First Earnings Per Share Diluted Net
1.661.401.290.521.110.810.75-1.32-3.140.39
EPS Diluted Before Nonrecurring Items1.661.401.290.521.110.810.75-1.320.060.39
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.160.08------0.100.10
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 Citizens First stock analysis are:
  • Topline: A growing topline, as seen from the Citizens First revenue chart, as is the case with Citizens First indicates a growing business. One needs to compare the QoQ or YoY topline growth of CZFC stock with its peers like SRYB stock and CBCO stock to see if the growth compares well with what can be expected for a company in that industry.
  • 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)
11.8010
PS ratio (
price sales ratio
)
1.8117
Net profit margin
20.4
Dividend yield
0.82%