Citizens First Income Statement - Quarterly (NASDAQ:CZFC)

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$16.91 $0.71 (4.36%) CZFC stock closing price Oct 21, 2016 (Closing)

Stock analysis based on fundamentals means looking at financial statements in addition to 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. Like any other income statement, the CZFC income statement also itemizes revenue, operating expenses, and profits for a quarter or year and reflects a QoQ revenue growth of $0.12M when compared to the same period in the past. 2016-Q2 revenue is $5.37M and has increased from $5.25M quarter on quarter as is evident when you compare the latest figures in the latest Citizens First profit and loss statement with those of the prior corresponding period. (See also:Citizens First assets and Citizens First free cash flow) View details of revenue and profits for Citizens First for latest & last 40 quarters.

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Fiscal year is Jan - Dec. 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1
Citizens First Net Sales or Revenues
Cost Of Goods Sold (COGS)0.51M0.52M0.54M0.56M0.58M0.54M0.52M0.52M0.55M0.54M
Citizens First Gross Profit
Research & Development Expense----------
Selling General & Admin Expense3.19M3.35M3.15M3.51M3.34M3.26M3.15M3.05M3.2M3.1M
Income Before Depreciation Depletion Amortization1.66M1.37M1.75M1.18M1.36M1.18M1.46M1.53M1.23M1.16M
Depreciation Depletion Amortization0.01M0.01M0.04M0.01M0.01M0.01M0.09M0.08M0.08M0.08M
Non Operating Income----------
Interest Expense0.11M0.08M0.1M0.09M0.09M0.09M0.14M0.14M0.15M0.14M
Citizens First Pretax Income
Provision for Income Taxes0.45M0.36M0.49M0.28M0.35M0.29M0.36M0.37M0.27M0.24M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations1.07M0.91M1.15M0.78M0.9M0.78M0.89M0.93M0.73M0.69M
Extraordinary Items & Discontinued Operations----------
Citizens First Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS1.98M2.17M2.27M1.95M1.97M1.98M1.99M1.95M1.96M1.97M
Average Shares used to compute Basic EPS1.98M2M1.96M1.95M1.97M1.98M1.99M1.95M1.96M1.97M
Income Before Nonrecurring Items1.07M0.91M1.15M0.78M0.9M0.78M0.89M0.93M0.73M0.69M
Income from Nonrecurring Items----------
Citizens First Earnings Per Share Basic Net
Citizens First Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items0.420.360.450.310.350.310.350.380.290.27
Preferred Dividends Acc Pd0.12M---------
Dividends Common0.16---------
Dividend Per Share Common0.08-0.08-------
All figures in USD. M: Millions of USD, B: Billions of USD.

The key things to look for in an income statement while doing Citizens First stock analysis are:
  • Revenue: This is the inflow that is generated from the sale of goods or services and is $5.37M for this quarter of 2016-Q2. Our Citizens First revenue chart gives a clear visual representation of how the topline growth has been. Investors often invest in only those companies where the revenue is growing at a steady rate.
  • Bottom line: This refers to the last line in a profit and loss statement and denotes the net profit or loss for a particular period. The figure currently stands at $1.07M for Citizens First for 2016-Q2. This figure is arrived at after deducting all operating expenses, interest, and taxes from revenue.
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