Citizen Financial Services Annual Income Statement (OTCBB:CZFS)

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$53 $0.25 (0.47%) CZFS stock closing price Mar 22, 2017 (Closing)

Financial analysis of Citizen Financial Services involves more than just checking the Citizen Financial Services stock price, by looking at the financial statements of the company in detail. The key financial statements of a company are the income statement, the balance sheet and the cash flow statement. When compared with the corresponding income statement from the past, the latest income statement shows how revenue has grown from $43.07M to $50.9M and how operating and non operating activities have impacted the CZFS stock. The Citizen Financial Services profit and loss statement for 2016 shows a profit of $12.64M. Profits have grown from $11.62M 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 2016 is $50.9M. 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. 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Citizen Financial Services Net Sales or Revenues
50.9M43.07M42.64M43.5M45.92M45.32M45.01M44.46M38.39M41.1M
Cost Of Goods Sold (COGS)-4.11M4.34M5.1M6.11M7.94M9.56M11.22M11.49M13.36M
Citizen Financial Services Gross Profit
-38.96M38.3M38.39M39.8M37.37M35.45M33.24M26.9M27.74M
Research & Development Expense----------
Selling General & Admin Expense-22.8M20.75M20.06M19.71M19.19M19.01M18.68M16.06M15.53M
Income Before Depreciation Depletion Amortization-16.15M17.55M18.33M20.09M18.18M16.43M14.55M10.84M12.21M
Depreciation Depletion Amortization--------0.14M0.14M
Non Operating Income-1.1M--------
Interest Expense-0.7M0.6M1.2M1.54M1.73M1.78M2M2.56M3.55M
Citizen Financial Services Pretax Income
-14.34M16.94M17.12M18.54M16.44M14.65M12.54M8.12M8.5M
Provision for Income Taxes-2.72M3.55M3.75M4.33M3.61M3.15M2.68M1.22M1.77M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations12.64M11.62M13.38M13.37M14.21M12.83M11.5M9.86M6.9M6.73M
Extraordinary Items & Discontinued Operations----------
Citizen Financial Services Net Income (Profit/Loss)
12.64M11.62M13.38M13.37M14.21M12.83M11.5M9.86M6.9M6.73M
Average Shares used to compute Diluted EPS3.34M3.06M3.07M3.09M3.12M3.15M3.16M3.17M3.18M3.2M
Average Shares used to compute Basic EPS3.34M3.06M3.07M3.09M3.12M3.15M3.16M3.17M3.18M3.2M
Income Before Nonrecurring Items12.64M11.63M13.39M13.38M14.22M12.83M11.5M9.86M6.91M6.74M
Income from Nonrecurring Items----------
Citizen Financial Services Earnings Per Share Basic Net
3.783.804.374.334.564.073.633.112.172.11
Citizen Financial Services Earnings Per Share Diluted Net
3.783.794.364.334.564.073.633.112.172.11
EPS Diluted Before Nonrecurring Items3.783.794.364.334.564.073.633.112.172.11
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common1.671.812.141.201.471.071.000.970.880.80
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 Citizen Financial Services stock analysis are:
  • 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 PVBC stock and HBMD stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: Most businesses like Citizen Financial Services try to improve their bottom line by growing their topline and by increasing their operating efficiency. A healthy bottom line growth implies a good investment.
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)
14.0210
PS ratio (
price sales ratio
)
3.4674
Net profit margin
23.9
Dividend yield
3.15%