CROSSFIRST BANKSHARES INC (CFB)
US22766M1099 - Common Stock
Taking everything into account, CFB scores 4 out of 10 in our fundamental rating. CFB was compared to 412 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.
In the past year CFB had a positive cash flow from operations.
CFB had positive earnings in each of the past 5 years.
Each year in the past 5 years CFB had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.90%, CFB is in line with its industry, outperforming 52.31% of the companies in the same industry.
CFB's Return On Equity of 9.36% is in line compared to the rest of the industry. CFB outperforms 51.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 9.36% | ||
| ROIC | N/A |
ROA(3y)1.02%
ROA(5y)0.77%
ROE(3y)9.96%
ROE(5y)7.32%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CFB has a better Profit Margin (26.99%) than 65.69% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.99% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y54.48%
PM growth 5Y12.43%
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 more 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.
2.2 Solvency
The Debt to FCF ratio of CFB is 0.10, which is an excellent value as it means it would take CFB, only 0.10 years of fcf income to pay off all of its debts.
CFB's Debt to FCF ratio of 0.10 is amongst the best of the industry. CFB outperforms 86.62% 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 85.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.1 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC27.65%
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 6.57% over the past year.
CFB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 31.62% yearly.
CFB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.44%.
CFB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.08% yearly.
EPS 1Y (TTM)6.57%
EPS 3Y57.88%
EPS 5Y31.62%
EPS growth Q2Q8.33%
Revenue 1Y (TTM)16.44%
Revenue growth 3Y12.57%
Revenue growth 5Y16.08%
Revenue growth Q2Q5.24%
3.2 Future
CFB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.23% yearly.
CFB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.64% yearly.
EPS Next Y1.28%
EPS Next 2Y7.23%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.28%
Revenue Next 2Y6.64%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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 8.57 indicates a reasonable valuation of CFB.
Based on the Price/Earnings ratio, CFB is valued a bit cheaper than 65.21% of the companies in the same industry.
CFB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.84.
A Price/Forward Earnings ratio of 8.46 indicates a reasonable valuation of CFB.
Based on the Price/Forward Earnings ratio, CFB is valued a bit cheaper than 76.89% of the companies in the same industry.
CFB is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.35, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.57 | ||
| Fwd PE | 8.46 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CFB is valued a bit cheaper than 71.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.84 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CFB does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)6.71
PEG (5Y)0.27
EPS Next 2Y7.23%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CFB does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CROSSFIRST BANKSHARES INC
NASDAQ:CFB (4/26/2024, 7:00:00 PM)
After market: 12.51 0 (0%)12.51
+0.02 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap618.37M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.57 | ||
| Fwd PE | 8.46 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)6.71
PEG (5Y)0.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 9.36% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 26.99% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)6.57%
EPS 3Y57.88%
EPS 5Y
EPS growth Q2Q
EPS Next Y1.28%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)16.44%
Revenue growth 3Y12.57%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y