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CROSSFIRST BANKSHARES INC (CFB) Stock Fundamental Analysis

USA - NASDAQ:CFB - US22766M1099 - Common Stock

15.99 USD
+0.02 (+0.13%)
Last: 2/28/2025, 8:00:00 PM
15.99 USD
0 (0%)
After Hours: 2/28/2025, 8:00:00 PM
Fundamental Rating

4

CFB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. CFB has an average financial health and profitability rating. CFB is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

CFB had positive earnings in the past year.
In the past year CFB had a positive cash flow from operations.
In the past 5 years CFB has always been profitable.
Of the past 5 years CFB 4 years had a positive operating cash flow.
CFB Yearly Net Income VS EBIT VS OCF VS FCFCFB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.97%, CFB is in the better half of the industry, outperforming 65.10% of the companies in the same industry.
CFB has a Return On Equity of 9.53%. This is in the better half of the industry: CFB outperforms 63.12% of its industry peers.
Industry RankSector Rank
ROA 0.97%
ROE 9.53%
ROIC N/A
ROA(3y)0.95%
ROA(5y)0.86%
ROE(3y)9.85%
ROE(5y)8.39%
ROIC(3y)N/A
ROIC(5y)N/A
CFB Yearly ROA, ROE, ROICCFB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With an excellent Profit Margin value of 28.91%, CFB belongs to the best of the industry, outperforming 80.20% of the companies in the same industry.
In the last couple of years the Profit Margin of CFB has grown nicely.
The Operating Margin and Gross Margin are not available for CFB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 28.91%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.85%
PM growth 5Y9.56%
GM growth 3YN/A
GM growth 5YN/A
CFB Yearly Profit, Operating, Gross MarginsCFB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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4

2. Health

2.1 Basic Checks

CFB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CFB has about the same amount of shares outstanding.
The number of shares outstanding for CFB has been reduced compared to 5 years ago.
The debt/assets ratio for CFB has been reduced compared to a year ago.
CFB Yearly Shares OutstandingCFB Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
CFB Yearly Total Debt VS Total AssetsCFB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

The Debt to FCF ratio of CFB is 0.09, which is an excellent value as it means it would take CFB, only 0.09 years of fcf income to pay off all of its debts.
CFB has a Debt to FCF ratio of 0.09. This is amongst the best in the industry. CFB outperforms 89.60% of its industry peers.
A Debt/Equity ratio of 0.01 indicates that CFB is not too dependend on debt financing.
CFB has a better Debt to Equity ratio (0.01) than 86.88% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.09
Altman-Z N/A
ROIC/WACCN/A
WACC23.71%
CFB Yearly LT Debt VS Equity VS FCFCFB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CFB Yearly Current Assets VS Current LiabilitesCFB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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5

3. Growth

3.1 Past

CFB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.53%.
CFB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.87% yearly.
CFB shows a small growth in Revenue. In the last year, the Revenue has grown by 6.63%.
CFB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.77% yearly.
EPS 1Y (TTM)7.53%
EPS 3Y3.89%
EPS 5Y21.87%
EPS Q2Q%15.38%
Revenue 1Y (TTM)6.63%
Revenue growth 3Y12.8%
Revenue growth 5Y11.77%
Sales Q2Q%12.1%

3.2 Future

CFB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.56% yearly.
CFB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.22% yearly.
EPS Next Y12.79%
EPS Next 2Y10.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.76%
Revenue Next 2Y7.22%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CFB Yearly Revenue VS EstimatesCFB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
CFB Yearly EPS VS EstimatesCFB Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.18, the valuation of CFB can be described as reasonable.
Based on the Price/Earnings ratio, CFB is valued a bit cheaper than 75.50% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.40. CFB is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.03, the valuation of CFB can be described as very reasonable.
Based on the Price/Forward Earnings ratio, CFB is valued a bit cheaper than the industry average as 79.95% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.94, CFB is valued rather cheaply.
Industry RankSector Rank
PE 10.18
Fwd PE 9.03
CFB Price Earnings VS Forward Price EarningsCFB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CFB is valued a bit cheaper than the industry average as 77.97% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.32
EV/EBITDA N/A
CFB Per share dataCFB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

CFB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.8
PEG (5Y)0.47
EPS Next 2Y10.56%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

CFB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CROSSFIRST BANKSHARES INC

NASDAQ:CFB (2/28/2025, 8:00:00 PM)

After market: 15.99 0 (0%)

15.99

+0.02 (+0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/amc
Earnings (Next)04-14 2025-04-14/amc
Inst Owners62.03%
Inst Owner Change0%
Ins Owners5.6%
Ins Owner Change0%
Market Cap788.63M
Analysts80
Price Target20.59 (28.77%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.01
Dividend Growth(5Y)N/A
DP0.84%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.06%
Min EPS beat(2)-0.99%
Max EPS beat(2)7.12%
EPS beat(4)3
Avg EPS beat(4)4.29%
Min EPS beat(4)-0.99%
Max EPS beat(4)8.01%
EPS beat(8)7
Avg EPS beat(8)6.66%
EPS beat(12)11
Avg EPS beat(12)7.11%
EPS beat(16)14
Avg EPS beat(16)9.83%
Revenue beat(2)0
Avg Revenue beat(2)-2.41%
Min Revenue beat(2)-3.69%
Max Revenue beat(2)-1.13%
Revenue beat(4)0
Avg Revenue beat(4)-2.73%
Min Revenue beat(4)-3.69%
Max Revenue beat(4)-1.13%
Revenue beat(8)2
Avg Revenue beat(8)-1.29%
Revenue beat(12)4
Avg Revenue beat(12)-0.63%
Revenue beat(16)7
Avg Revenue beat(16)-0.84%
PT rev (1m)0%
PT rev (3m)0.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.53%
EPS NY rev (3m)2.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.6%
Valuation
Industry RankSector Rank
PE 10.18
Fwd PE 9.03
P/S 3.1
P/FCF 8.32
P/OCF 7.93
P/B 1.02
P/tB 1.06
EV/EBITDA N/A
EPS(TTM)1.57
EY9.82%
EPS(NY)1.77
Fwd EY11.07%
FCF(TTM)1.92
FCFY12.03%
OCF(TTM)2.02
OCFY12.61%
SpS5.16
BVpS15.65
TBVpS15.07
PEG (NY)0.8
PEG (5Y)0.47
Profitability
Industry RankSector Rank
ROA 0.97%
ROE 9.53%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.91%
GM N/A
FCFM 37.29%
ROA(3y)0.95%
ROA(5y)0.86%
ROE(3y)9.85%
ROE(5y)8.39%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.85%
PM growth 5Y9.56%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.09
Debt/EBITDA N/A
Cap/Depr 47.71%
Cap/Sales 1.81%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 128.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC23.71%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.53%
EPS 3Y3.89%
EPS 5Y21.87%
EPS Q2Q%15.38%
EPS Next Y12.79%
EPS Next 2Y10.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.63%
Revenue growth 3Y12.8%
Revenue growth 5Y11.77%
Sales Q2Q%12.1%
Revenue Next Year9.76%
Revenue Next 2Y7.22%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y15.65%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y10.92%
OCF growth 3YN/A
OCF growth 5YN/A