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Communities First Financial Corporation (CFST)
Key financial summary
Financials in USD| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 16 | 20 | 25 | 33 | 46 | 58 | 74 |
| Operating profit | $m | 39 | 49 | |||||
| Net profit | $m | 4 | 6 | 9 | 12 | 21 | 27 | 34 |
| EPS reported | $ | 8.44 | 10.60 | |||||
| Operating cashflow per share | $ | 7.36 | 0.00 | |||||
| Capex per share | $ | 0.10 | 0.00 | |||||
| FCF per share | $ | 7.26 | 0.00 | |||||
| Free cash flow | $m | 23 | 0 | |||||
| Net debt | $m | -296 | 27 | |||||
| Book value equity | $m | 92 | 113 | |||||
| Book value per share | $ | 29.40 | 35.50 | |||||
| Number of shares | m | 3.14 | 3.18 | |||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 7.17 | - | |||||
| P/B LTM | x | 2.04 | 1.91 | |||||
| P/S LTM | x | 3.23 | 2.90 | |||||
| P/FCF LTM | x | 8.33 | 0.00 | |||||
| EV/EBITDA LTM | x | 5.93 | 4.97 | |||||
| EV/Sales LTM | x | 3.80 | 3.26 | |||||
| Earnings Yield LTM | % | 13.95% | 7.71% | |||||
| FCF Yield | % | 12.00% | 0.00% | |||||
| Quality | ||||||||
| ROE | % | 28.72% | 10.69% | |||||
| ROIC | % | 3.76% | 1.21% | |||||
| Operating margin | % | 63.70% | 25.55% | |||||
| Gross margin | % | 100.00% | 79.67% | |||||
| FCF/Sales | % | 36.85% | 0.00% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +27.49% | +36.60% | |||||
| Sales Growth YoY | % | +26.64% | +37.05% | |||||
| Net Income Growth YoY | % | +29.20% | +38.28% | |||||
| FCF Growth | % | +22.48% | - | |||||
| Operating Profit Growth | % | +38.66% | +42.32% | |||||
| 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 | 0.22 | 0.00 | |||||
| Net Debt/EBITDA | x | 1.13 | 0.12 | |||||
| EBIT/Net interest | x | 12.79 | 1.52 | |||||
| Net debt/market cap | % | -156.84% | 12.56% | |||||
| Net debt/Equity | x | -3.20 | 0.24 | |||||
| Gross debt/equity | x | 1.13 | 0.35 | |||||
Company overview
Communities First Financial Corporation serves as the parent entity for Fresno First Bank, providing a comprehensive range of financial products and services. Its clientele primarily consists of individual customers and small to mid-sized businesses located throughout California. The institution offers diverse deposit options, including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. Beyond deposits, the corporation extends various credit facilities such as loans for residential real estate, general commercial purposes, small business financing, commercial property development and construction, and agricultural endeavors (including lines of credit), in addition to equipment leasing. Customers also have access to debit and credit cards, digital banking platforms (online and mobile), online bill payment, treasury management services, remote check deposit capabilities, merchant services, and tailored business manager solutions. Operationally, the company maintains a full-service branch in Fresno, California, complemented by a loan origination office situated in Torrance, California. Communities First Financial Corporation was established in 2005 and its principal executive offices are located in Fresno, California.
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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.
Communities First Financial Corporation (CFST)
Communities First Financial Corporation serves as the parent entity for Fresno First Bank, providing a comprehensive range of financial products and services. Its clientele primarily consists of individual customers and small to mid-sized businesses located throughout California. The institution offers diverse deposit options, including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. Beyond deposits, the corporation extends various credit facilities such as loans for residential real estate, general commercial purposes, small business financing, commercial property development and construction, and agricultural endeavors (including lines of credit), in addition to equipment leasing. Customers also have access to debit and credit cards, digital banking platforms (online and mobile), online bill payment, treasury management services, remote check deposit capabilities, merchant services, and tailored business manager solutions. Operationally, the company maintains a full-service branch in Fresno, California, complemented by a loan origination office situated in Torrance, California. Communities First Financial Corporation was established in 2005 and its principal executive offices are located in Fresno, California.
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