CROSSFIRST BANKSHARES INC (CFB) Stock Fundamental Analysis
NASDAQ:CFB • US22766M1099
15.99 USD
+0.02 (+0.13%)
At close: Feb 28, 2025
15.99 USD
0 (0%)
After Hours: 2/28/2025, 8:00:00 PM
CFB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. CFB has only an average score on both its financial health and profitability. CFB is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- CFB had positive earnings in the past year.
- CFB had a positive operating cash flow in the past year.
- In the past 5 years CFB has always been profitable.
- Of the past 5 years CFB 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of CFB (0.97%) is better than 65.10% of its industry peers.
- 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 Rank | Sector 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
1.3 Margins
- CFB has a Profit Margin of 28.91%. This is amongst the best in the industry. CFB outperforms 80.20% of its industry peers.
- 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 Rank | Sector 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
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.
- CFB has less shares outstanding than it did 5 years ago.
- CFB has a better debt/assets ratio than last year.
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.
- The Debt to FCF ratio of CFB (0.09) is better than 89.60% of its industry peers.
- CFB has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.01, CFB belongs to the top of the industry, outperforming 86.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.09 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.71%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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%.
- Measured over the past years, CFB shows a very strong growth in Earnings Per Share. The EPS has been growing by 21.87% on average per year.
- The Revenue has been growing slightly by 6.63% in the past year.
- Measured over the past years, CFB shows a quite strong growth in Revenue. The Revenue has been growing by 11.77% on average per year.
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.
- Based on estimates for the next years, CFB will show a small growth in Revenue. The Revenue will grow by 7.22% on average per year.
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- CFB is valuated reasonably with a Price/Earnings ratio of 10.18.
- 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 27.97. CFB is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 9.03 indicates a reasonable valuation of CFB.
- 79.95% of the companies in the same industry are more expensive than CFB, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of CFB to the average of the S&P500 Index (27.96), we can say CFB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.18 | ||
| Fwd PE | 9.03 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CFB indicates a somewhat cheap valuation: CFB is cheaper than 77.97% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.32 | ||
| EV/EBITDA | N/A |
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
5. Dividend
5.1 Amount
- CFB does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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
Revenue(TTM)261.78M
Net Income(TTM)73.53M
Analysts80
Price Target20.59 (28.77%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector 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
Graham NumberN/A
Profitability
| Industry Rank | Sector 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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector 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
CROSSFIRST BANKSHARES INC / CFB FAQ
Can you provide the ChartMill fundamental rating for CROSSFIRST BANKSHARES INC?
ChartMill assigns a fundamental rating of 4 / 10 to CFB.
Can you provide the valuation status for CROSSFIRST BANKSHARES INC?
ChartMill assigns a valuation rating of 6 / 10 to CROSSFIRST BANKSHARES INC (CFB). This can be considered as Fairly Valued.
What is the profitability of CFB stock?
CROSSFIRST BANKSHARES INC (CFB) has a profitability rating of 4 / 10.
What is the expected EPS growth for CROSSFIRST BANKSHARES INC (CFB) stock?
The Earnings per Share (EPS) of CROSSFIRST BANKSHARES INC (CFB) is expected to grow by 12.79% in the next year.
Can you provide the dividend sustainability for CFB stock?
The dividend rating of CROSSFIRST BANKSHARES INC (CFB) is 0 / 10 and the dividend payout ratio is 0.84%.