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CROSSFIRST BANKSHARES INC (CFB) Stock Fundamental Analysis

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

We assign a fundamental rating of 4 out of 10 to CFB. CFB was compared to 393 industry peers in the Banks industry. Both the profitability and the financial health of CFB get a neutral evaluation. Nothing too spectacular is happening here. CFB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

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.
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

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.
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.
The Debt to FCF ratio of CFB (0.09) is better than 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%.
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

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.
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

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.18, which indicates a very decent valuation of CFB.
CFB's Price/Earnings ratio is a bit cheaper when compared to the industry. CFB is cheaper than 75.50% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.08. CFB is valued rather cheaply when compared to this.
CFB is valuated reasonably with a Price/Forward Earnings ratio of 9.03.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CFB indicates a somewhat cheap valuation: CFB is cheaper than 79.95% of the companies listed in the same industry.
CFB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.67, which is the current average of the S&P500 Index.
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 Change-29.31%
Ins Owners5.6%
Ins Owner Change-330.53%
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