CROSSFIRST BANKSHARES INC (CFB) Fundamental Analysis & Valuation

NASDAQ:CFB • US22766M1099

Current stock price

15.99 USD
+0.02 (+0.13%)
At close:
15.99 USD
0 (0%)
After Hours:

This CFB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CFB Profitability Analysis

1.1 Basic Checks

  • In the past year CFB was profitable.
  • 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

  • CFB has a better Return On Assets (0.97%) than 65.10% of its industry peers.
  • Looking at the Return On Equity, with a value of 9.53%, CFB is in the better half of the industry, outperforming 63.12% of the companies in the same industry.
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

  • CFB has a better Profit Margin (28.91%) than 80.20% of its industry peers.
  • CFB's Profit Margin has improved in the last couple of years.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. CFB Health Analysis

2.1 Basic Checks

  • CFB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for CFB remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for CFB has been reduced compared to 5 years ago.
  • CFB has a better debt/assets ratio than last year.
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.
  • 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.
  • The Debt to Equity ratio of CFB (0.01) is better 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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. CFB Growth Analysis

3.1 Past

  • CFB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.53%.
  • The Earnings Per Share has been growing by 21.87% on average over the past years. This is a very strong growth
  • 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.
  • The Revenue is expected to grow by 7.22% on average over the next years.
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

More info and screens

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6

4. CFB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.18, which indicates a very decent valuation of CFB.
  • 75.50% of the companies in the same industry are more expensive than CFB, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.38. 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 79.95% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.20, 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 10 20 30

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 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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CFB Dividend Analysis

5.1 Amount

  • No dividends for CFB!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

Find the best dividend stocksShow peers with best dividend

CFB Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)04-14
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 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
Graham Number0 (-100%)
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
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 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

CROSSFIRST BANKSHARES INC / CFB Fundamental Analysis 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.


How profitable is CROSSFIRST BANKSHARES INC (CFB) stock?

CROSSFIRST BANKSHARES INC (CFB) has a profitability rating of 4 / 10.


What is the valuation of CROSSFIRST BANKSHARES INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CROSSFIRST BANKSHARES INC (CFB) is 10.18 and the Price/Book (PB) ratio is 1.02.


What is the financial health of CROSSFIRST BANKSHARES INC (CFB) stock?

The financial health rating of CROSSFIRST BANKSHARES INC (CFB) is 4 / 10.