Citizens First Income Statement - Quarterly (NASDAQ:CZFC)

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$18.5 $0.25 (1.37%) CZFC stock closing price Jan 19, 2017 (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. In the income statement, an investor can check for important parameters like the topline, the bottomline, the EPS basic, dividends etc. When compared with the corresponding income statement from the past, the latest income statement shows how revenue has grown from $5.37M to $5.41M and how operating and non operating activities have impacted the CZFC stock. 2016-Q3 revenue is $5.41M and has increased from $5.37M 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-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 Pd0.12M---------
Dividends Common----------
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:
  • 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 $5.41M for 2016-Q3 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 $1.14M for Citizens First for 2016-Q3. 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)
11.0120
PS ratio (
price sales ratio
)
1.7422
Operating margin
32.3
Net profit margin
21.1
Dividend yield
0.86%