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.
  • CFB had a positive operating cash flow in the past year.
  • CFB had positive earnings in each of the past 5 years.
  • CFB had a positive operating cash flow in 4 of the past 5 years.
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 Return On Assets of 0.97%. This is in the better half of the industry: CFB outperforms 65.10% of its industry peers.
  • The Return On Equity of CFB (9.53%) is better than 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

  • CFB's Profit Margin of 28.91% is amongst the best of 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 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. CFB Health Analysis

2.1 Basic Checks

  • CFB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CFB has about the same amout of shares outstanding than it did 1 year ago.
  • CFB has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, CFB has an improved debt to assets ratio.
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

  • CFB has a debt to FCF ratio of 0.09. This is a very positive value and a sign of high solvency as it would only need 0.09 years to pay back of 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.
  • 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 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. CFB Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.53% over the past year.
  • CFB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.87% yearly.
  • The Revenue has been growing slightly by 6.63% in the past year.
  • The Revenue has been growing by 11.77% on average over the past years. This is quite good.
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

  • Based on estimates for the next years, CFB will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.56% on average per year.
  • 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

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

  • With a Price/Earnings ratio of 10.18, the valuation of CFB can be described as very reasonable.
  • Based on the Price/Earnings ratio, CFB is valued a bit cheaper than the industry average as 75.50% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 25.50, CFB is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.03, the valuation of CFB can be described as very reasonable.
  • 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 (22.67), we can say 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

  • 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

  • The 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 NumberN/A
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.


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%.