Santa Cruz County Bank Annual Income Statement (OTCMKTS:SCZC)

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$30.3 $0.5 (1.62%) SCZC stock closing price Oct 27, 2016 (Closing)

Looking at financial statements, along with the Santa Cruz County Bank stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   In the income statement, an investor can look at important parameters like revenue, gross profits, net profits, and EPS basic to gain deeper insights. When compared with the corresponding income statement from the past, the latest income statement shows how revenue has grown from $20.98M to $23.04M and how operating and non operating activities have impacted the SCZC stock. One also needs to look at Santa Cruz County Bank assets, operating expenses and Santa Cruz County Bank free cash flow. The profit and loss statement shows revenue of $23.04M for 2015. Revenue has grown by $2.06M YoY for SCZC stock. Santa Cruz County Bank revenue for 2015 is $23.04M. 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
Santa Cruz County Bank Net Sales or Revenues
Cost Of Goods Sold (COGS)---0.46M---
Santa Cruz County Bank Gross Profit
Research & Development Expense-------
Selling General & Admin Expense---11.62M-11.45M11.63M
Income Before Depreciation Depletion Amortization---4.55M-3.96M-11.63M
Depreciation Depletion Amortization-------
Non Operating Income-------
Interest Expense-----0.96M-
Santa Cruz County Bank Pretax Income
Provision for Income Taxes---1.71M-1.2M0.15M
Minority Interest-------
Investment Gains Losses-------
Other Income-------
Income Before Extraordinaries & Disc Operations5.43M4.37M3.31M2.84M2.43M1.79M0.2M
Extraordinary Items & Discontinued Operations-------
Santa Cruz County Bank Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS2.15M2.12M1.97M1.93M1.91M1.7M1.67M
Average Shares used to compute Basic EPS2.15M2.12M1.97M1.93M1.91M1.7M1.67M
Income Before Nonrecurring Items5.43M4.37M3.31M2.84M2.43M1.82M0.2M
Income from Nonrecurring Items-------
Santa Cruz County Bank Earnings Per Share Basic Net
Santa Cruz County Bank Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items2.532.061.681.471.271.080.12
Preferred Dividends Acc Pd-------
Dividends Common-------
Dividend Per Share Common0.200.200.20----
All figures in USD. M: Millions of USD, B: Billions of USD.

Santa Cruz County Bank stock analysis involves checking at least a few of the important things like:
  • Topline: A growing topline, as seen from the Santa Cruz County Bank revenue chart, as is the case with Santa Cruz County Bank indicates a growing business. One needs to compare the QoQ or YoY topline growth of SCZC stock with its peers like AMRB stock and SFGP 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 $23.04M - other expenses = $5.43M for SCZC stock. An improving bottomline implies that the company is growing profits.
The income statement is also called statement of revenue and expense. The financials along with Santa Cruz County Bank historical stock prices provides a lot of details about the firm. .

Santa Cruz County Bank Income Statement - Key Financial Ratios

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