15.99 USD
+0.02 (+0.13%)
15.99 USD
0 (0%)
Overall CFB gets a fundamental rating of 4 out of 10. We evaluated CFB against 387 industry peers in the Banks industry. CFB has an average financial health and profitability rating. CFB has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
CFB had positive earnings in the past year.
In the past year CFB had a positive cash flow from operations.
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.
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 has a better Return On Equity (9.53%) than 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.
CFB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
The number of shares outstanding for CFB has been reduced compared to 5 years ago.
The debt/assets ratio for CFB has been reduced compared to a year ago.
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.
Looking at the Debt to FCF ratio, with a value of 0.09, CFB belongs to the top of the industry, outperforming 89.60% of the companies in the same industry.
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%.
The Earnings Per Share has been growing by 21.87% on average over the past years. This is a very strong growth
Looking at the last year, CFB shows a small growth in Revenue. The Revenue has grown by 6.63% in the last 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
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.18 indicates a reasonable valuation of CFB.
75.50% of the companies in the same industry are more expensive than CFB, based on the Price/Earnings ratio.
CFB is valuated cheaply when we compare the Price/Earnings ratio to 25.98, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.03, the valuation of CFB can be described as reasonable.
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.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.79, CFB is valued rather cheaply.
| 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)
Earnings (Next)
Inst Owners62.03%
Inst Owner Change-25.62%
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.
What is the valuation status of CROSSFIRST BANKSHARES INC (CFB) stock?
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 are the PE and PB ratios of CROSSFIRST BANKSHARES INC (CFB) stock?
The Price/Earnings (PE) ratio for CROSSFIRST BANKSHARES INC (CFB) is 10.18 and the Price/Book (PB) ratio is 1.02.
Can you provide the financial health for CFB stock?
The financial health rating of CROSSFIRST BANKSHARES INC (CFB) is 4 / 10.