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  • 45 minutes

Analyze a 5-Part Analysis Model: Liquidity, Activity, Leverage, Operating Performance and Cash Flow


Who uses financial statements?

Creditors, including bank loan officers and bond rating analysts, ascertain a company’s ability to pay its debts via cash flow analysis. Investors, including stock analysts, assess a company’s efficiency, risk, and potential return via cash flow assessment. Management, including business owners and managers, uses financial statements to analyze, control, and improve their firm’s cash flow. And guarantors, including business owners, use related analysis to determine their own personal cash flow position. As you can see, financial statements are used across the board. This video reviews the five-step financial statement analysis plan and discusses the Z-Score bankruptcy predictor process.

Runtime: 45 minutes
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David L. Osburn, M.B.A., CCRA

David L. Osburn, M.B.A., CCRA

Osburn & Associates, LLC

  • Founder and managing member of Osburn & Associates, LLC
  • Practice emphasizes business training and contract CFO work
  • Conducts regular seminars, webinars, and keynote speeches covering banking, financing, credit, negotiation skills, marketing, management, and customized topics
  • National Association of Credit Management (NACM); Credential-Certified Credit & Risk Analyst (CCRA)
  • M.B.A. degree in finance and marketing; B.S. degree in finance; ABA National Commercial Lending School
  • Can be contacted at 702-655-1187, [email protected], or
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