2026 Financial Statement Analysis: Interpreting the Numbers Correctly!
Virtual
Virtual
Program Agenda
July 15, 2026
July 15, 2026
Seminar: 9:00 a.m. - 3:00 p.m. CST
Lunch: 12:00 p.m. - 12:30 p.m. CST
Lunch: 12:00 p.m. - 12:30 p.m. CST
This webinar emphasizes a practical approach to correctly "interpret" financial statements.
The session will begin with a brief review of the four basic financial statements - Income Statement, Statement of Retained Earnings, Balance Sheet, and Statement of Cash Flows. Additionally, the "types" or quality of financial statements will be covered including company-prepared, compiled, reviewed, and audited. The notes to the financial statements will also be highlighted.
The participant will then be introduced to a "five-part" financial statement analysis model covering Liquidity, Activity, Leverage, Operating Performance, and Cash Flow.
Additionally, a brief overview of both the Z-score (bankruptcy predictor) and sustainable growth models will be provided.
Case studies will be presented to illustrate the main concepts associated with financial statement analysis and will clarify this often challenging subject.
The session will begin with a brief review of the four basic financial statements - Income Statement, Statement of Retained Earnings, Balance Sheet, and Statement of Cash Flows. Additionally, the "types" or quality of financial statements will be covered including company-prepared, compiled, reviewed, and audited. The notes to the financial statements will also be highlighted.
The participant will then be introduced to a "five-part" financial statement analysis model covering Liquidity, Activity, Leverage, Operating Performance, and Cash Flow.
Additionally, a brief overview of both the Z-score (bankruptcy predictor) and sustainable growth models will be provided.
Case studies will be presented to illustrate the main concepts associated with financial statement analysis and will clarify this often challenging subject.
Program Presenter
David Osburn, MBA, CCRA - Osburn & Associates, LLC
David is the founder of Osburn & Associates, LLC, a business training and contract CFO firm. His extensive professional background of over 30 years include work as a business trainer/contract CFO and work as a bank commercial lender including the position of vice president/senior banking officer. His banking credentials include loan underwriting, loan work-out and business development. Osburn holds the professional designation of Cerfitied Credit & Risk Analyst as granted by the National Association of Credit Management.
**Program fees are based on bank asset size. There is no limit on the number of people that can attend the virtual session from your financial institution. Please login and register one person from your bank and pay based on your bank’s asset size. Then email all other attendees (include attendee’s first and last name, bank location and e-mail) to education@ksbankers.com so that additional attendees can be registered free of charge to receive their own link and login information for the session.
*We understand circumstances arise requiring cancellation - if you cancel up to 3 business days before the program, your registration fee will be refunded.
*Any transmission, retransmission or republishing of the audio or video portion of the seminar is strictly prohibited.
*Live purchase includes 30-day replay access. All options will include the written materials.
*Live purchase includes 30-day replay access. All options will include the written materials.
