Citizens First Income Statement - Quarterly (NASDAQ:CZFC)

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$17.27 $0.16 (0.92%) CZFC stock closing price Dec 05, 2016 (Closing)

Financial analysis of Citizens First involves more than just checking the Citizens First stock price, by looking at the financial statements of the company in detail. The income statement is a summary of the revenue, expenses and profitability (shown as Net Income) or lack of it. The income statement is generated for a specific period of time. The revenue increase of $5.41M for 2016-Q3 impacts the CZFC stock. Investors typically check year over year or quarter over quarter revenue growth. 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 $1.07M QoQ and 2016-Q3 revenue is $5.41M. View details of revenue and profits for Citizens First for latest & last 40 quarters.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2
Citizens First Net Sales or Revenues
5.41M5.37M5.25M5.42M5.26M5.3M5M5.11M5.12M4.99M
Cost Of Goods Sold (COGS)0.52M0.51M0.52M0.54M0.56M0.58M0.54M0.52M0.52M0.55M
Citizens First Gross Profit
4.88M4.85M4.72M4.88M4.69M4.71M4.45M4.6M4.59M4.43M
Research & Development Expense----------
Selling General & Admin Expense3.12M3.19M3.35M3.15M3.51M3.34M3.26M3.15M3.05M3.2M
Income Before Depreciation Depletion Amortization1.76M1.66M1.37M1.75M1.18M1.36M1.18M1.46M1.53M1.23M
Depreciation Depletion Amortization0.01M0.01M0.01M0.04M0.01M0.01M0.01M0.09M0.08M0.08M
Non Operating Income----------
Interest Expense0.11M0.11M0.08M0.1M0.09M0.09M0.09M0.14M0.14M0.15M
Citizens First Pretax Income
1.62M1.53M1.27M1.64M1.06M1.25M1.07M1.24M1.3M1M
Provision for Income Taxes0.49M0.45M0.36M0.49M0.28M0.35M0.29M0.36M0.37M0.27M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations1.14M1.07M0.91M1.15M0.78M0.9M0.78M0.89M0.93M0.73M
Extraordinary Items & Discontinued Operations----------
Citizens First Net Income (Profit/Loss)
1.14M1.07M0.91M1.15M0.78M0.9M0.78M0.89M0.93M0.73M
Average Shares used to compute Diluted EPS2.25M1.98M2.17M2.27M1.95M1.97M1.98M1.99M1.95M1.96M
Average Shares used to compute Basic EPS2.02M1.98M2M1.96M1.95M1.97M1.98M1.99M1.95M1.96M
Income Before Nonrecurring Items1.14M1.07M0.91M1.15M0.78M0.9M0.78M0.89M0.93M0.73M
Income from Nonrecurring Items----------
Citizens First Earnings Per Share Basic Net
0.500.480.390.520.330.390.330.380.410.31
Citizens First Earnings Per Share Diluted Net
0.450.420.360.450.310.350.310.350.380.29
EPS Diluted Before Nonrecurring Items0.450.420.360.450.310.350.310.350.380.29
Preferred Dividends Acc Pd0.12M0.12M--------
Dividends Common-0.16--------
Dividend Per Share Common-0.08-0.08------
All figures in USD. M: Millions of USD, B: Billions of USD.
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Before investing one should read a report on Citizens First stock analysis. It helps to look at the following income statement items:
  • Revenue: This is the inflow that is generated from the sale of goods or services and is $5.41M for this quarter of 2016-Q3. 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: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $5.41M - other expenses = $1.14M for CZFC stock. An improving bottomline implies that the company is growing profits.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the Citizens First historical stock prices to check how the price has moved with time. .

Citizens First Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
10.2800
PS ratio (
price sales ratio
)
1.6264
Operating margin
32.3
Net profit margin
21.1
Dividend yield
0.93%