Citizen Financial Services Annual Income Statement (OTCBB:CZFS)

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$51.75 $0.25 (0.49%) CZFS stock closing price Oct 26, 2016 (Closing)

Looking at financial statements, along with the Citizen Financial Services stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   An income statement is one of the three key financial statements furnished by a company, the other two being the balance sheet and the cashflow statement. The income statement is generated for a specific period of time. The revenue increase of $43.07M for 2015 impacts the CZFS stock. Investors typically check year over year or quarter over quarter revenue growth. Along with Citizen Financial Services assets and Citizen Financial Services free cash flow, profits as shown in profit and loss statement give key insights about the business. The profits have decreased from $13.38M YoY and 2015 revenue is $43.07M. Citizen Financial Services revenue for 2015 is $43.07M. View revenue and profit details for latest and last 10 financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Citizen Financial Services Net Sales or Revenues
Cost Of Goods Sold (COGS)4.11M4.34M5.1M6.11M7.94M9.56M11.22M11.49M13.36M11.68M
Citizen Financial Services Gross Profit
Research & Development Expense----------
Selling General & Admin Expense22.8M20.75M20.06M19.71M19.19M19.01M18.68M16.06M15.53M15.1M
Income Before Depreciation Depletion Amortization16.15M17.55M18.33M20.09M18.18M16.43M14.55M10.84M12.21M10.77M
Depreciation Depletion Amortization-------0.14M0.14M0.25M
Non Operating Income1.1M---------
Interest Expense0.7M0.6M1.2M1.54M1.73M1.78M2M2.56M3.55M3.26M
Citizen Financial Services Pretax Income
Provision for Income Taxes2.72M3.55M3.75M4.33M3.61M3.15M2.68M1.22M1.77M1.45M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations11.62M13.38M13.37M14.21M12.83M11.5M9.86M6.9M6.73M5.8M
Extraordinary Items & Discontinued Operations----------
Citizen Financial Services Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS3.06M3.07M3.09M3.12M3.15M3.16M3.17M3.18M3.2M3.23M
Average Shares used to compute Basic EPS3.06M3.07M3.09M3.12M3.15M3.16M3.17M3.18M3.2M3.23M
Income Before Nonrecurring Items11.63M13.39M13.38M14.22M12.83M11.5M9.86M6.91M6.74M5.8M
Income from Nonrecurring Items----------
Citizen Financial Services Earnings Per Share Basic Net
Citizen Financial Services Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items3.794.364.334.564.073.633.
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common1.812.141.201.471.071.000.970.880.800.75
All figures in USD. M: Millions of USD, B: Billions of USD.

Before investing one should read a report on Citizen Financial Services stock analysis. It helps to look at the following income statement items:
  • Topline: A growing topline, as seen from the Citizen Financial Services revenue chart, as is the case with Citizen Financial Services indicates a growing business. One needs to compare the QoQ or YoY topline growth of CZFS stock with its peers like ORRF stock and FCFP stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $43.07M - other expenses = $11.62M for CZFS 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 Citizen Financial Services historical stock prices to check how the price has moved with time. .

Citizen Financial Services Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield