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CROSSFIRST BANKSHARES INC (CFB) Stock Fundamental Analysis

NASDAQ:CFB - Nasdaq - US22766M1099 - Common Stock - Currency: USD

16.89  +0.59 (+3.62%)

After market: 16.89 0 (0%)

Fundamental Rating

4

CFB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 404 industry peers in the Banks industry. CFB has an average financial health and profitability rating. 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.
In the past year CFB had a positive cash flow from operations.
In the past 5 years CFB has always been profitable.
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

The Return On Assets of CFB (0.97%) is better than 67.84% of its industry peers.
CFB's Return On Equity of 9.53% is fine compared to the rest of the industry. CFB outperforms 65.33% 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 has a Profit Margin of 28.91%. This is amongst the best in the industry. CFB outperforms 81.91% of its industry peers.
CFB's Profit Margin has improved in the last couple of years.
CFB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
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
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.
Looking at the Debt to FCF ratio, with a value of 0.09, CFB belongs to the top of the industry, outperforming 89.70% 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.
CFB's Debt to Equity ratio of 0.01 is amongst the best of the industry. CFB outperforms 86.93% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.09
Altman-Z N/A
ROIC/WACCN/A
WACC23.2%
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%.
CFB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.87% yearly.
Looking at the last year, CFB shows a small growth in Revenue. The Revenue has grown by 6.63% in the last 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 8.20% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.22% on average over the next years.
EPS Next Y10.01%
EPS Next 2Y8.2%
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 2017 2018 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 10.76, which indicates a very decent valuation of CFB.
Compared to the rest of the industry, the Price/Earnings ratio of CFB indicates a rather cheap valuation: CFB is cheaper than 81.41% of the companies listed in the same industry.
CFB is valuated cheaply when we compare the Price/Earnings ratio to 29.39, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.78, the valuation of CFB can be described as very reasonable.
83.92% of the companies in the same industry are more expensive than CFB, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 94.38. CFB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.76
Fwd PE 9.78
CFB Price Earnings VS Forward Price EarningsCFB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

80.90% of the companies in the same industry are more expensive than CFB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.78
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.08
PEG (5Y)0.49
EPS Next 2Y8.2%
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 (2/11/2025, 8:11:40 PM)

After market: 16.89 0 (0%)

16.89

+0.59 (+3.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/amc
Earnings (Next)N/A N/A
Inst Owners60.13%
Inst Owner Change-43.69%
Ins Owners5.62%
Ins Owner Change1.84%
Market Cap832.85M
Analysts80
Price Target20.59 (21.91%)
Short Float %0.61%
Short Ratio1.31
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)-0.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.6%
Revenue NY rev (3m)0.6%
Valuation
Industry RankSector Rank
PE 10.76
Fwd PE 9.78
P/S 3.27
P/FCF 8.78
P/OCF 8.38
P/B 1.08
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)1.57
EY9.3%
EPS(NY)1.73
Fwd EY10.23%
FCF(TTM)1.92
FCFY11.39%
OCF(TTM)2.02
OCFY11.94%
SpS5.16
BVpS15.65
TBVpS15.07
PEG (NY)1.08
PEG (5Y)0.49
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
WACC23.2%
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 Y10.01%
EPS Next 2Y8.2%
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