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
Taking everything into account, CFB scores 4 out of 10 in our fundamental rating. CFB was compared to 383 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.
- CFB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a decent Return On Assets value of 0.97%, CFB is doing good in the industry, outperforming 65.10% of the companies in the same industry.
- CFB's Return On Equity of 9.53% is fine compared to the rest 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'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 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.
- CFB has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, CFB has less shares outstanding
- CFB has a better debt/assets ratio than last year.
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's Debt to FCF ratio of 0.09 is amongst the best of 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's Debt to Equity ratio of 0.01 is amongst the best of the industry. CFB outperforms 86.88% of its industry peers.
| 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
- The Earnings Per Share has been growing slightly by 7.53% over the past year.
- The Earnings Per Share has been growing by 21.87% on average over the past years. This is a very strong growth
- 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
- The Earnings Per Share is expected to grow by 10.56% on average over the next years. This is quite good.
- 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
- 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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 10.18 indicates a reasonable valuation of CFB.
- 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.
- CFB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.92.
- The Price/Forward Earnings ratio is 9.03, which indicates a very decent valuation of CFB.
- CFB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CFB is cheaper than 79.95% of the companies in the same industry.
- CFB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.18 | ||
| Fwd PE | 9.03 |
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 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
- No dividends for CFB!.
| 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%.