Executive Summary
Canterbury Surrey Hills Community Finance Limited provides community banking services in Australia. More Details
Rewards
Risk Analysis
Snowflake Analysis
Outstanding track record and undervalued.
Share Price & News
How has Canterbury Surrey Hills Community Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
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.
Market Performance
7 Day Return
0%
CSH
7.1%
AU Banks
2.4%
AU Market
1 Year Return
0%
CSH
-6.1%
AU Banks
-0.6%
AU Market
Return vs Industry: CSH exceeded the Australian Banks industry which returned -6.1% over the past year.
Return vs Market: CSH matched the Australian Market which returned -0.6% over the past year.
Shareholder returns
| CSH | Industry | Market | |
|---|---|---|---|
| 7 Day | 0% | 7.1% | 2.4% |
| 30 Day | 0% | 18.6% | 8.0% |
| 90 Day | n/a | 24.5% | 8.8% |
| 1 Year | 8.9%0% | -3.2%-6.1% | 2.7%-0.6% |
| 3 Year | 50.2%16.2% | -2.0%-16.0% | 24.3%9.0% |
| 5 Year | 176.9%72.0% | 10.3%-17.2% | 56.9%25.7% |
Long-Term Price Volatility Vs. Market
How volatile is Canterbury Surrey Hills Community Finance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Canterbury Surrey Hills Community Finance undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CSH (A$0.86) is trading below our estimate of fair value (A$2.02)
Significantly Below Fair Value: CSH is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CSH is good value based on its PE Ratio (3.3x) compared to the AU Banks industry average (18.2x).
PE vs Market: CSH is good value based on its PE Ratio (3.3x) compared to the Australian market (22.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CSH's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CSH is good value based on its PB Ratio (0.7x) compared to the AU Banks industry average (1.1x).
Next Steps
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?
11.8%
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.
Next Steps
- Examine whether Canterbury Surrey Hills Community Finance is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Explore growth companies in the Banks industry.
Past Performance
How has Canterbury Surrey Hills Community Finance performed over the past 5 years?
6.4%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CSH has high quality earnings.
Growing Profit Margin: CSH's current net profit margins (13.3%) are higher than last year (8.1%).
Past Earnings Growth Analysis
Earnings Trend: CSH's earnings have grown by 6.4% per year over the past 5 years.
Accelerating Growth: CSH's earnings growth over the past year (80.4%) exceeds its 5-year average (6.4% per year).
Earnings vs Industry: CSH earnings growth over the past year (80.4%) exceeded the Banks industry -9.5%.
Return on Equity
High ROE: CSH's Return on Equity (21.6%) is considered high.
Next Steps
Financial Health
How is Canterbury Surrey Hills Community Finance's financial position? (This company is analysed differently as a bank or financial institution)
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.
Next Steps
Dividend
What is Canterbury Surrey Hills Community Finance current dividend yield, its reliability and sustainability?
8.14%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CSH's dividend (8.14%) is higher than the bottom 25% of dividend payers in the Australian market (2.08%).
High Dividend: CSH's dividend (8.14%) is in the top 25% of dividend payers in the Australian market (5.05%)
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 5 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (27.3%), CSH's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
2.7yrs
Average management tenure
CEO
Nick Coker
1.5yrs
Tenure
AU$203,787
Compensation
Mr. Nicholas Richard Coker, also known as Nick, serves as Chief Executive Officer at Canterbury Surrey Hills Community Finance Limited since May 31, 2019. Mr. Coker had been Senior Manager at Canterbury Su...
CEO Compensation Analysis
Compensation vs Market: Nick's total compensation ($USD149.90K) is below average for companies of similar size in the Australian market ($USD280.63K).
Compensation vs Earnings: Insufficient data to compare Nick's compensation with company performance.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chief Executive Officer | 1.5yrs | AU$203.79k | 0.018% A$ 430.0 | |
| Director & Company Secretary | 1.67yrs | AU$14.24k | 0.079% A$ 1.8k | |
| Marketing Manager | 1.08yrs | no data | no data | |
| Treasurer | 3.92yrs | no data | no data |
2.7yrs
Average Tenure
Experienced Management: CSH's management team is considered experienced (2.7 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Director & Company Secretary | 1.67yrs | AU$14.24k | 0.079% A$ 1.8k | |
| Non-Executive Director | 18.75yrs | AU$10.95k | 2.02% A$ 47.5k | |
| Independent Non-Executive Chairman | no data | AU$32.85k | 0.99% A$ 23.2k | |
| Non-Executive Deputy Chairman | no data | AU$14.24k | 0.75% A$ 17.5k | |
| Non-Executive Director | 18.75yrs | AU$14.24k | 0.53% A$ 12.5k | |
| Non-Executive Director | 4.5yrs | AU$14.24k | 0.14% A$ 3.3k | |
| Non-Executive Director | 3.75yrs | AU$14.24k | 0.092% A$ 2.2k |
4.5yrs
Average Tenure
Experienced Board: CSH's board of directors are considered experienced (4.5 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: CSH insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
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 company bio, 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
- Market Cap: AU$2.346m
- Shares outstanding: 2.73m
- Website: https://www.supportingourcommunity.com.au
Number of Employees
Location
- Canterbury Surrey Hills Community Finance Limited
- 143 Maling Road
- Shop 2
- Canterbury
- Victoria
- 3126
- Australia
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CSH | NSX (National Stock Exchange of Australia) | Yes | Ordinary Shares | AU | AUD | May 2015 |
Biography
Canterbury Surrey Hills Community Finance Limited provides community banking services in Australia. The company provides community banking services under management rights to operate four franchised branch...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/11/26 07:07 |
| End of Day Share Price | 2020/09/10 00:00 |
| Earnings | 2020/06/30 |
| Annual Earnings | 2020/06/30 |
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.