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CSH

Canterbury Surrey Hills Community Finance NSX:CSH Stock Report

Last Price

AU$0.95

Market Cap

AU$2.6m

7D

0%

1Y

n/a

Updated

13 Jun, 2022

Data

Company Financials
CSH fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance0/6
Financial Health1/6
Dividends2/6

CSH Stock Overview

Canterbury Surrey Hills Community Finance Limited provides community banking products and services in Australia.

Canterbury Surrey Hills Community Finance Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Canterbury Surrey Hills Community Finance
Historical stock prices
Current Share PriceAU$0.95
52 Week HighAU$0.96
52 Week LowAU$0.95
Beta0.041
1 Month Change0%
3 Month Changen/a
1 Year Changen/a
3 Year Change11.77%
5 Year Change69.64%
Change since IPO137.50%

Recent News & Updates

Shareholder Returns

CSHAU BanksAU Market
7D0%0.2%0.7%
1Yn/a-5.7%-8.0%

Return vs Industry: Insufficient data to determine how CSH performed against the Australian Banks industry.

Return vs Market: Insufficient data to determine how CSH performed against the Australian Market.

Price Volatility

Is CSH's price volatile compared to industry and market?
CSH volatility
CSH Average Weekly Movementn/a
Banks Industry Average Movement3.6%
Market Average Movement10.5%
10% most volatile stocks in AU Market17.6%
10% least volatile stocks in AU Market4.6%

Stable Share Price: Insufficient data to determine CSH's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine CSH's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
200227Nick Cokerhttps://supportingourcommunity.com.au

Canterbury Surrey Hills Community Finance Limited provides community banking products and services in Australia. The company provides community banking services under management rights to operate four franchised branches of Bendigo and Adelaide Bank Limited in Canterbury, Surrey Hills, Ashburton, and Balwyn, Victoria. Its banking services include transaction and savings accounts, term and money market deposits, personal and home loans, business loans and finance, credit and other cards, business and commercial insurance, travel and international payments, superannuation, and foreign exchange services.

Canterbury Surrey Hills Community Finance Fundamentals Summary

How do Canterbury Surrey Hills Community Finance's earnings and revenue compare to its market cap?
CSH fundamental statistics
Market CapAU$2.58m
Earnings (TTM)AU$105.66k
Revenue (TTM)AU$4.45m

24.4x

P/E Ratio

0.8x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CSH income statement (TTM)
RevenueAU$4.45m
Cost of RevenueAU$0
Gross ProfitAU$4.45m
Other ExpensesAU$4.35m
EarningsAU$105.66k

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.039
Gross Margin100.00%
Net Profit Margin2.37%
Debt/Equity Ratio0%

How did CSH perform over the long term?

See historical performance and comparison

Dividends

7.4%

Current Dividend Yield

180%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is CSH undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CSH?

Other financial metrics that can be useful for relative valuation.

CSH key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue0.6x
Enterprise Value/EBITDA5.7x
PEG Ration/a

Price to Earnings Ratio vs Peers

How does CSH's PE Ratio compare to its peers?

CSH PE Ratio vs Peers
The above table shows the PE ratio for CSH vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Averagen/a
LCB Logan Community Financial Services
7xn/aAU$1.6m
SSC Sunshine Coast Community Financial Services
18.9xn/aAU$1.4m
DCE Manningham Community Enterprises
11.1xn/aAU$1.3m
EGF East Gosford & Districts Financial Services
13.9xn/aAU$258.7k
CSH Canterbury Surrey Hills Community Finance
24.4xn/aAU$2.6m

Price-To-Earnings vs Peers: Insufficient data to calculate CSH's Price-To-Earnings Ratio vs. peers for valuation analysis.


Price to Earnings Ratio vs Industry

How does CSH's PE Ratio compare vs other companies in the Global Banks Industry?

Price-To-Earnings vs Industry: CSH is expensive based on its Price-To-Earnings Ratio (24.4x) compared to the Australian Banks industry average (12.3x)


Price to Earnings Ratio vs Fair Ratio

What is CSH's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CSH PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio24.4x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CSH's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of CSH when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CSH (A$0.95) is trading below our estimate of fair value (A$2.83)

Significantly Below Fair Value: CSH is trading below fair value by more than 20%.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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Future Growth

How is Canterbury Surrey Hills Community Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


4.9%

Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Canterbury Surrey Hills Community Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Discover growth companies

  • Take a look at our analysis of CSH’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.

Past Performance

How has Canterbury Surrey Hills Community Finance performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-5.3%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: CSH has a large one-off gain of A$50.0K impacting its December 31 2021 financial results.

Growing Profit Margin: CSH's current net profit margins (2.4%) are lower than last year (13.3%).


Past Earnings Growth Analysis

Earnings Trend: CSH's earnings have declined by 5.3% per year over the past 5 years.

Accelerating Growth: CSH's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CSH had negative earnings growth (-84.7%) over the past year, making it difficult to compare to the Banks industry average (16.5%).


Return on Equity

High ROE: CSH's Return on Equity (3.3%) is considered low.


Discover strong past performing companies

Financial Health

How is Canterbury Surrey Hills Community Finance's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

1/6

Financial Health Score 1/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: CSH's Assets to Equity ratio (2x) is low.

Allowance for Bad Loans: Insufficient data to determine if CSH has a sufficient allowance for bad loans.

Low Risk Liabilities: CSH reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.

Loan Level: Insufficient data to determine if CSH has an appropriate level of Loans to Assets ratio.

Low Risk Deposits: CSH reports no customer deposits, loans are made up entirely of externally borrowed funds.

Level of Bad Loans: Insufficient data to determine if CSH has an appropriate level of bad loans.


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Dividend

What is Canterbury Surrey Hills Community Finance current dividend yield, its reliability and sustainability?

Dividend Score

2/6

Dividend Score 2/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


7.37%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: CSH's dividend (7.37%) is higher than the bottom 25% of dividend payers in the Australian market (2.62%).

High Dividend: CSH's dividend (7.37%) is in the top 25% of dividend payers in the Australian market (6.24%)


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, CSH has been paying a dividend for less than 10 years.

Growing Dividend: CSH's dividend payments have increased, but the company has only paid a dividend for 7 years.


Current Payout to Shareholders

Earnings Coverage: With its high payout ratio (180.4%), CSH's dividend payments are not well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

4.3yrs

Average management tenure


CEO

Nick Coker

3.08yrs

Tenure

AU$221,127

Compensation

Mr. Nicholas Richard Coker, also known as Nick, serves as Chief Executive Officer at Canterbury Surrey Hills Community Finance Limited since May 31, 2019. Mr. Coker had been Senior Manager at Canterbury Su...


CEO Compensation Analysis

Compensation vs Market: Nick's total compensation ($USD155.84K) is below average for companies of similar size in the Australian market ($USD279.73K).

Compensation vs Earnings: Nick's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: CSH's management team is considered experienced (4.3 years average tenure).


Board Members

Experienced Board: CSH's board of directors are considered experienced (6.1 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Canterbury Surrey Hills Community Finance Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Canterbury Surrey Hills Community Finance Limited
  • Ticker: CSH
  • Exchange: NSX
  • Founded: 2002
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: AU$2.581m
  • Shares outstanding: 2.72m
  • Website: https://supportingourcommunity.com.au

Number of Employees


Location

  • Canterbury Surrey Hills Community Finance Limited
  • 143 Maling Road
  • Shop 2
  • Canterbury
  • Victoria
  • 3126
  • Australia

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/13 00:00
End of Day Share Price2022/03/16 00:00
Earnings2021/12/31
Annual Earnings2021/06/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.