Citizens First Income Statement - Quarterly (NASDAQ:CZFC)

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$18.7 $0.2 (1.08%) CZFC stock closing price Apr 21, 2017 (Closing)

Financial analysis of Citizens First involves more than just checking the Citizens First stock price, by looking at the financial statements of the company in detail. In the income statement, an investor can look at important parameters like revenue, gross profits, net profits, and EPS basic to gain deeper insights. Like any other income statement, the CZFC income statement also itemizes revenue, operating expenses, and profits for a quarter or year and reflects a QoQ revenue decline of $0.03M when compared to the same period in the past. The operating expenses (also check: Citizens First assets and Citizens First free cash flow) as shown in the Citizens First profit and loss statement 2016-Q4 total to $3.73M. This line item has increased from $3.65M compared with last quarter. View details of revenue and profits for Citizens First 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
Citizens First Net Sales or Revenues
5.38M5.41M5.37M5.25M5.42M5.26M5.3M5M5.11M5.12M
Cost Of Goods Sold (COGS)0.55M0.52M0.51M0.52M0.54M0.56M0.58M0.54M0.52M0.52M
Citizens First Gross Profit
4.86M4.88M4.85M4.72M4.88M4.69M4.71M4.45M4.6M4.59M
Research & Development Expense----------
Selling General & Admin Expense3.21M3.12M3.19M3.35M3.15M3.51M3.34M3.26M3.15M3.05M
Income Before Depreciation Depletion Amortization1.64M1.76M1.66M1.37M1.75M1.18M1.36M1.18M1.46M1.53M
Depreciation Depletion Amortization-0.03M0.01M0.01M0.01M0.04M0.01M0.01M0.01M0.09M0.08M
Non Operating Income----------
Interest Expense0.12M0.11M0.11M0.08M0.1M0.09M0.09M0.09M0.14M0.14M
Citizens First Pretax Income
1.59M1.62M1.53M1.27M1.64M1.06M1.25M1.07M1.24M1.3M
Provision for Income Taxes0.49M0.49M0.45M0.36M0.49M0.28M0.35M0.29M0.36M0.37M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations1.1M1.14M1.07M0.91M1.15M0.78M0.9M0.78M0.89M0.93M
Extraordinary Items & Discontinued Operations----------
Citizens First Net Income (Profit/Loss)
1.1M1.14M1.07M0.91M1.15M0.78M0.9M0.78M0.89M0.93M
Average Shares used to compute Diluted EPS1.98M2.25M1.98M2.17M2.27M1.95M1.97M1.98M1.99M1.95M
Average Shares used to compute Basic EPS1.98M2.02M1.98M2M1.96M1.95M1.97M1.98M1.99M1.95M
Income Before Nonrecurring Items1.1M1.14M1.07M0.91M1.15M0.78M0.9M0.78M0.89M0.93M
Income from Nonrecurring Items----------
Citizens First Earnings Per Share Basic Net
0.490.500.480.390.520.330.390.330.380.41
Citizens First Earnings Per Share Diluted Net
0.430.450.420.360.450.310.350.310.350.38
EPS Diluted Before Nonrecurring Items0.430.450.420.360.450.310.350.310.350.38
Preferred Dividends Acc Pd0.13M0.12M--------
Dividends Common0.16---------
Dividend Per Share Common0.08-0.08-0.08-----
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 Citizens First stock analysis are:
  • Top line: The word topline comes from the fact that the first line of an income statement refers to sales numbers. If you check you will find that CZFC stock has a topline or revenue of $5.38M for 2016-Q4 as per this Citizens First revenue chart. Investors look for stocks with a growing top line.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $5.38M - other expenses = $1.1M for CZFC stock. An improving bottomline implies that the company is growing profits.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the Citizens First historical stock prices to check how the price has moved with time. .

Citizens First Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
11.2650
PS ratio (
price sales ratio
)
1.7294
Operating margin
31
Net profit margin
20.4
Dividend yield
0.86%