| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 0/6 |
| Financial Health | 1/6 |
| Dividends | 2/6 |
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
| Historical stock prices | |
|---|---|
| Current Share Price | AU$0.95 |
| 52 Week High | AU$0.96 |
| 52 Week Low | AU$0.95 |
| Beta | 0.041 |
| 1 Month Change | 0% |
| 3 Month Change | n/a |
| 1 Year Change | n/a |
| 3 Year Change | 11.77% |
| 5 Year Change | 69.64% |
| Change since IPO | 137.50% |
Recent News & Updates
Shareholder Returns
| CSH | AU Banks | AU Market | |
|---|---|---|---|
| 7D | 0% | 0.2% | 0.7% |
| 1Y | n/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
| CSH volatility | |
|---|---|
| CSH Average Weekly Movement | n/a |
| Banks Industry Average Movement | 3.6% |
| Market Average Movement | 10.5% |
| 10% most volatile stocks in AU Market | 17.6% |
| 10% least volatile stocks in AU Market | 4.6% |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2002 | 27 | Nick Coker | https://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
| CSH fundamental statistics | |
|---|---|
| Market Cap | AU$2.58m |
| Earnings (TTM) | AU$105.66k |
| Revenue (TTM) | AU$4.45m |
24.4x
P/E Ratio0.8x
P/B RatioIs CSH overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CSH income statement (TTM) | |
|---|---|
| Revenue | AU$4.45m |
| Cost of Revenue | AU$0 |
| Gross Profit | AU$4.45m |
| Other Expenses | AU$4.35m |
| Earnings | AU$105.66k |
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.039 |
| Gross Margin | 100.00% |
| Net Profit Margin | 2.37% |
| Debt/Equity Ratio | 0% |
How did CSH perform over the long term?
See historical performance and comparisonDividends
7.4%
Current Dividend Yield180%
Payout RatioValuation
Is CSH undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
2/6Valuation 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.
| What is CSH's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | AU$2.58m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | 0.6x |
| Enterprise Value/EBITDA | 5.7x |
| PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does CSH's PE Ratio compare to its peers?
| CSH PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | n/a | ||
LCB Logan Community Financial Services | 7x | n/a | AU$1.6m |
SSC Sunshine Coast Community Financial Services | 18.9x | n/a | AU$1.4m |
DCE Manningham Community Enterprises | 11.1x | n/a | AU$1.3m |
EGF East Gosford & Districts Financial Services | 13.9x | n/a | AU$258.7k |
CSH Canterbury Surrey Hills Community Finance | 24.4x | n/a | AU$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.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 24.4x |
| Fair PE Ratio | n/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
0/6Future 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.
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- 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
0/6Past 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
1/6Financial 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
2/6Dividend 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.
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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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/06/13 00:00 |
| End of Day Share Price | 2022/03/16 00:00 |
| Earnings | 2021/12/31 |
| Annual Earnings | 2021/06/30 |
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.