Citizens First Income Statement - Quarterly (NASDAQ:CZFC)

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$19.72 $0.13 (0.66%) CZFC stock closing price Feb 24, 2017 (Closing)

CZFC stock valuation based on fundamental analysis involves checking and analyzing financial statements and not just the Citizens First stock price. The key financial statements of a company are the income statement, the balance sheet and the cash flow statement. 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 QoQ decline of $0.03M. 2016-Q4 revenue is $5.38M and has decreased from $5.41M 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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Annual
Quarterly
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Fiscal year is Jan - Dec. 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3
Citizens First Net Sales or Revenues
5.38M5.41M5.37M5.25M5.42M5.26M5.3M5M5.11M5.12M
Cost Of Goods Sold (COGS)-0.52M0.51M0.52M0.54M0.56M0.58M0.54M0.52M0.52M
Citizens First Gross Profit
-4.88M4.85M4.72M4.88M4.69M4.71M4.45M4.6M4.59M
Research & Development Expense----------
Selling General & Admin Expense-3.12M3.19M3.35M3.15M3.51M3.34M3.26M3.15M3.05M
Income Before Depreciation Depletion Amortization-1.76M1.66M1.37M1.75M1.18M1.36M1.18M1.46M1.53M
Depreciation Depletion Amortization-0.01M0.01M0.01M0.04M0.01M0.01M0.01M0.09M0.08M
Non Operating Income----------
Interest Expense-0.11M0.11M0.08M0.1M0.09M0.09M0.09M0.14M0.14M
Citizens First Pretax Income
-1.62M1.53M1.27M1.64M1.06M1.25M1.07M1.24M1.3M
Provision for Income Taxes-0.49M0.45M0.36M0.49M0.28M0.35M0.29M0.36M0.37M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations1.1M1.14M1.07M0.91M1.15M0.78M0.9M0.78M0.89M0.93M
Extraordinary Items & Discontinued Operations----------
Citizens First Net Income (Profit/Loss)
1.1M1.14M1.07M0.91M1.15M0.78M0.9M0.78M0.89M0.93M
Average Shares used to compute Diluted EPS1.98M2.25M1.98M2.17M2.27M1.95M1.97M1.98M1.99M1.95M
Average Shares used to compute Basic EPS1.98M2.02M1.98M2M1.96M1.95M1.97M1.98M1.99M1.95M
Income Before Nonrecurring Items1.1M1.14M1.07M0.91M1.15M0.78M0.9M0.78M0.89M0.93M
Income from Nonrecurring Items----------
Citizens First Earnings Per Share Basic Net
0.490.500.480.390.520.330.390.330.380.41
Citizens First Earnings Per Share Diluted Net
0.430.450.420.360.450.310.350.310.350.38
EPS Diluted Before Nonrecurring Items0.430.450.420.360.450.310.350.310.350.38
Preferred Dividends Acc Pd-0.12M--------
Dividends Common0.16---------
Dividend Per Share Common0.08-0.08-0.08-----
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:
  • Top line: The word topline comes from the fact that the first line of an income statement refers to sales numbers. If you check you will find that CZFC stock has a topline or revenue of $5.38M for 2016-Q4 as per this Citizens First revenue chart. Investors look for stocks with a growing top line.
  • 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 $1.1M for Citizens First for 2016-Q4. This figure is arrived at after deducting all operating expenses, interest, and taxes from revenue.
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)
11.8800
PS ratio (
price sales ratio
)
1.8237
Net profit margin
20.4
Dividend yield
0.81%