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CBOA Financial, Inc. (CBOF)
Key financial summary
Financials in USD| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | - | 11 | 12 | 12 | 14 | 16 | 14 |
| Operating profit | $m | 5 | 3 | |||||
| Net profit | $m | - | 2 | 2 | 3 | 3 | 3 | 2 |
| EPS reported | $ | 0.35 | 0.24 | |||||
| Operating cashflow per share | $ | 0.57 | 0.57 | |||||
| Capex per share | $ | 0.02 | 0.02 | |||||
| FCF per share | $ | 0.55 | 0.55 | |||||
| Free cash flow | $m | 5 | 2 | |||||
| Net debt | $m | 52 | 40 | |||||
| Book value equity | $m | 29 | 31 | |||||
| Book value per share | $ | 2.96 | 2.97 | |||||
| Number of shares | m | 9.81 | 10.35 | |||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 8.46 | - | |||||
| P/B LTM | x | 0.98 | 0.75 | |||||
| P/S LTM | x | 1.75 | 1.63 | |||||
| P/FCF LTM | x | 5.39 | 9.30 | |||||
| EV/EBITDA LTM | x | 15.09 | 18.79 | |||||
| EV/Sales LTM | x | 4.86 | 4.44 | |||||
| Earnings Yield LTM | % | 11.82% | 15.81% | |||||
| FCF Yield | % | 18.55% | 10.75% | |||||
| Quality | ||||||||
| ROE | % | 11.93% | 11.90% | |||||
| ROIC | % | 1.83% | 1.83% | |||||
| Operating margin | % | 29.83% | 29.83% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 32.01% | 32.01% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +20.69% | +3.27% | |||||
| Sales Growth YoY | % | +13.46% | -4.71% | |||||
| Net Income Growth YoY | % | +21.03% | +1.51% | |||||
| FCF Growth | % | +27.53% | +1.51% | |||||
| Operating Profit Growth | % | +41.20% | -16.20% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 0.00% | 0.00% | |||||
| Dividend Growth | % | 0.00% | 0.00% | |||||
| Payout Ratio | % | 0.00% | 0.00% | |||||
| FCF/Debt | x | 0.15 | 0.06 | |||||
| Net Debt/EBITDA | x | 9.73 | 9.73 | |||||
| EBIT/Net interest | x | 18.51 | 18.51 | |||||
| Net debt/market cap | % | 181.55% | 172.52% | |||||
| Net debt/Equity | x | 1.79 | 1.30 | |||||
| Gross debt/equity | x | 1.21 | 1.30 | |||||
Company overview
CBOA Financial, Inc. functions as the parent company for Commerce Bank of Arizona, Inc., which delivers a diverse array of personal and commercial banking solutions across Arizona. The bank's product portfolio includes fundamental deposit options such as checking and savings accounts. Its lending solutions encompass Small Business Administration (SBA) loans, business term financing, equipment loans, commercial real estate mortgages, and residential home loans, in addition to flexible lines of credit. Furthermore, the company offers various digital and voice-based banking services, remote check deposit capabilities, Automated Clearing House (ACH) processing, wire transfers, and merchant payment services, alongside specialized zero balance accounts and debit cards. Established in 2002, CBOA Financial, Inc. maintains its headquarters in Tucson, Arizona.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
CBOA Financial, Inc. (CBOF)
CBOA Financial, Inc. functions as the parent company for Commerce Bank of Arizona, Inc., which delivers a diverse array of personal and commercial banking solutions across Arizona. The bank's product portfolio includes fundamental deposit options such as checking and savings accounts. Its lending solutions encompass Small Business Administration (SBA) loans, business term financing, equipment loans, commercial real estate mortgages, and residential home loans, in addition to flexible lines of credit. Furthermore, the company offers various digital and voice-based banking services, remote check deposit capabilities, Automated Clearing House (ACH) processing, wire transfers, and merchant payment services, alongside specialized zero balance accounts and debit cards. Established in 2002, CBOA Financial, Inc. maintains its headquarters in Tucson, Arizona.
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