Citizen Financial Services Annual Income Statement (OTCBB:CZFS)

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$51 $0 (0%) CZFS stock closing price Jan 23, 2017 (Closing)

Stock analysis based on fundamentals means looking at financial statements in addition to the Citizen Financial Services stock price. 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 always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the CZFS stock is bound to reflect the impact of the YoY growth of $0.43M. The Citizen Financial Services profit and loss statement for 2015 shows a profit of $11.62M. Profits have reduced from $13.38M YoY. Apart from this an investor should also check Citizen Financial Services assets and Citizen Financial Services free cash flow. 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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Annual
Quarterly
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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
43.07M42.64M43.5M45.92M45.32M45.01M44.46M38.39M41.1M37.56M
Cost Of Goods Sold (COGS)4.11M4.34M5.1M6.11M7.94M9.56M11.22M11.49M13.36M11.68M
Citizen Financial Services Gross Profit
38.96M38.3M38.39M39.8M37.37M35.45M33.24M26.9M27.74M25.88M
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
14.34M16.94M17.12M18.54M16.44M14.65M12.54M8.12M8.5M7.25M
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)
11.62M13.38M13.37M14.21M12.83M11.5M9.86M6.9M6.73M5.8M
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
3.804.374.334.564.073.633.112.172.111.79
Citizen Financial Services Earnings Per Share Diluted Net
3.794.364.334.564.073.633.112.172.111.79
EPS Diluted Before Nonrecurring Items3.794.364.334.564.073.633.112.172.111.79
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.
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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 ICBK stock and PVBC stock to see if the growth compares well with what can be expected for a company in that industry.
  • 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 $11.62M for Citizen Financial Services for 2015. 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 Citizen Financial Services historical stock prices provides a lot of details about the firm. .

Citizen Financial Services Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
14.0880
PS ratio (
price sales ratio
)
3.4927
Operating margin
32
Net profit margin
24.5
Dividend yield
3.25%