Cortland Bancorp Annual Income Statement (OTCMKTS:CLDB)

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$18.5 $0.05 (0.27%) CLDB stock closing price Apr 28, 2017 (Closing)

Financial analysis of Cortland Bancorp involves more than just checking the Cortland Bancorp 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 $25.02M to $27.15M and how operating and non operating activities have impacted the CLDB stock. The Cortland Bancorp profit and loss statement for 2016 shows a profit of $4.87M. Profits have grown from $4.37M YoY. Apart from this an investor should also check Cortland Bancorp assets and Cortland Bancorp free cash flow. Cortland Bancorp revenue for 2016 is $27.15M. 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
Cortland Bancorp Net Sales or Revenues
27.15M25.02M24.79M22.95M25.33M24.66M23.2M12.81M29.41M32.08M
Cost Of Goods Sold (COGS)2.09M1.66M1.69M2.1M2.69M3.29M4.07M6.29M8.81M10.45M
Cortland Bancorp Gross Profit
25.05M23.35M23.09M20.85M22.63M21.37M19.12M6.52M20.6M21.62M
Research & Development Expense----------
Selling General & Admin Expense18.23M16.81M17.13M17.68M18.5M14.67M12.94M14.07M14.6M12.63M
Income Before Depreciation Depletion Amortization6.82M6.53M5.96M3.17M4.12M6.7M6.18M-7.55M6M8.99M
Depreciation Depletion Amortization----------
Non Operating Income----------
Interest Expense0.82M0.93M1.19M1.3M1.37M1.43M2.28M2.94M3.36M3.52M
Cortland Bancorp Pretax Income
5.99M5.59M4.77M1.87M2.75M5.26M3.89M-10.49M2.64M5.46M
Provision for Income Taxes1.12M1.21M0.9M0.08M-0.15M1.19M0.62M-4.15M0.28M1.11M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations4.87M4.37M3.86M1.78M2.91M4.07M3.27M-6.33M2.35M4.35M
Extraordinary Items & Discontinued Operations----------
Cortland Bancorp Net Income (Profit/Loss)
4.87M4.37M3.86M1.78M2.91M4.07M3.27M-6.33M2.35M4.35M
Average Shares used to compute Diluted EPS4.42M4.41M4.55M4.57M4.53M4.53M4.53M4.53M4.53M4.58M
Average Shares used to compute Basic EPS4.42M4.41M4.55M4.57M4.53M4.53M4.53M4.53M4.53M4.58M
Income Before Nonrecurring Items4.87M4.38M3.87M1.78M2.91M4.07M3.27M-6.34M2.35M4.35M
Income from Nonrecurring Items----------
Cortland Bancorp Earnings Per Share Basic Net
1.110.970.850.390.640.900.72-1.400.520.95
Cortland Bancorp Earnings Per Share Diluted Net
1.110.970.850.390.640.900.72-1.400.520.95
EPS Diluted Before Nonrecurring Items1.110.970.850.390.640.900.72-1.400.520.95
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.280.240.180.120.03---0.860.86
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 Cortland Bancorp stock analysis are:
  • Topline: A growing topline, as seen from the Cortland Bancorp revenue chart, as is the case with Cortland Bancorp indicates a growing business. One needs to compare the QoQ or YoY topline growth of CLDB stock with its peers like BNCC stock and MFNC stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: The word bottom line comes because it is usually the last line of the income statement and refers to the actual profits after deducting all expenses from the revenues. CLDB stock had a healthy bottom line growth.
The income statement is also called statement of revenue and expense. The financials along with Cortland Bancorp historical stock prices provides a lot of details about the firm. .

Cortland Bancorp Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
16.6670
PS ratio (
price sales ratio
)
3.0580
Operating margin
24.5
Net profit margin
17.1
Dividend yield
1.51%