Cortland Bancorp Income Statement - Quarterly (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 income statement gives the investor an understanding of the topline and bottomline numbers of the company and helps investors evaluate if a company has been growing or not. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the CLDB stock is bound to reflect the impact of the QoQ decline of $0.04M. One also needs to look at Cortland Bancorp assets, operating expenses and Cortland Bancorp free cash flow. The profit and loss statement shows revenue of $6.66M for 2016-Q4. Revenue has decreased by $0.04M QoQ for CLDB stock. View details of revenue and profits for Cortland Bancorp for latest & last 40 quarters.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3
Cortland Bancorp Net Sales or Revenues
6.66M6.7M6.9M6.48M6.3M6.29M6.1M6.27M6.12M5.88M
Cost Of Goods Sold (COGS)0.57M0.53M0.51M0.48M0.44M0.41M0.4M0.41M0.43M0.42M
Cortland Bancorp Gross Profit
6.12M6.24M6.38M6.31M5.92M5.92M5.66M5.85M6.1M5.51M
Research & Development Expense----------
Selling General & Admin Expense4.5M4.52M4.73M4.48M4.26M4.09M4.31M4.15M5.27M4.04M
Income Before Depreciation Depletion Amortization1.63M1.71M1.65M1.83M1.66M1.83M1.34M1.7M0.84M1.47M
Depreciation Depletion Amortization----------
Non Operating Income----------
Interest Expense0.22M0.2M0.2M0.2M0.24M0.23M0.23M0.23M0.27M0.3M
Cortland Bancorp Pretax Income
1.42M1.5M1.45M1.62M1.41M1.6M1.11M1.47M0.57M1.17M
Provision for Income Taxes0.28M0.31M0.27M0.26M0.32M0.37M0.2M0.32M0.04M0.21M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations1.14M1.2M1.17M1.36M1.09M1.23M0.92M1.15M0.54M0.96M
Extraordinary Items & Discontinued Operations----------
Cortland Bancorp Net Income (Profit/Loss)
1.14M1.2M1.17M1.36M1.09M1.23M0.92M1.15M0.54M0.96M
Average Shares used to compute Diluted EPS4.42M4.42M4.41M4.41M4.41M4.46M4.36M4.53M4.53M4.53M
Average Shares used to compute Basic EPS4.42M4.42M4.41M4.41M4.41M4.46M4.36M4.53M4.53M4.53M
Income Before Nonrecurring Items1.14M1.2M1.17M1.36M1.09M1.23M0.92M1.15M0.54M0.96M
Income from Nonrecurring Items----------
Cortland Bancorp Earnings Per Share Basic Net
0.260.270.270.310.240.270.210.250.120.21
Cortland Bancorp Earnings Per Share Diluted Net
0.260.270.270.310.240.270.210.250.120.21
EPS Diluted Before Nonrecurring Items0.260.270.270.310.240.270.210.250.120.21
Preferred Dividends Acc Pd----------
Dividends Common0.310.31--------
Dividend Per Share Common0.070.070.070.070.060.060.060.060.050.05
All figures in USD. M: Millions of USD, B: Billions of USD.
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It is very helpful to read a report on Cortland Bancorp stock analysis. An investor must check the following items in an income statement:
  • Topline: A growing topline, as seen from the Cortland Bancorp revenue chart, as is not the case with Cortland Bancorp indicates a sagging 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 poor 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%