CFB Stock Overview
CrossFirst Bankshares, Inc. operates as the bank holding company for CrossFirst Bank that provides various banking and financial services to businesses, business owners, professionals, and its personal networks.
CrossFirst Bankshares Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$13.09|
|52 Week High||US$16.50|
|52 Week Low||US$11.81|
|1 Month Change||-2.09%|
|3 Month Change||-17.47%|
|1 Year Change||-10.28%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-10.34%|
Recent News & Updates
|CFB||US Banks||US Market|
Return vs Industry: CFB exceeded the US Banks industry which returned -15.5% over the past year.
Return vs Market: CFB exceeded the US Market which returned -13.2% over the past year.
|CFB Average Weekly Movement||4.1%|
|Banks Industry Average Movement||3.9%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.8%|
|10% least volatile stocks in US Market||2.9%|
Stable Share Price: CFB is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: CFB's weekly volatility (4%) has been stable over the past year.
About the Company
CrossFirst Bankshares, Inc. operates as the bank holding company for CrossFirst Bank that provides various banking and financial services to businesses, business owners, professionals, and its personal networks. The company offers commercial real estate, construction and development, 1-4 family real estate, commercial, energy, and consumer loans. It also provides a range of deposit products consisting of noninterest-bearing demand and interest-bearing deposits, which include transaction accounts, savings accounts, money market accounts, and certificates of deposit; and personal and business checking and savings accounts, as well as negotiable order of withdrawal accounts; and brokered and reciprocal deposits.
CrossFirst Bankshares Fundamentals Summary
|CFB fundamental statistics|
Is CFB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CFB income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||1.49|
|Net Profit Margin||38.00%|
How did CFB perform over the long term?See historical performance and comparison
Is CrossFirst Bankshares undervalued compared to its fair value and its price relative to the market?
Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CFB ($13.09) is trading below our estimate of fair value ($32.54)
Significantly Below Fair Value: CFB is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CFB is good value based on its Price-To-Earnings Ratio (8.8x) compared to the US Banks industry average (9.7x).
PE vs Market: CFB is good value based on its Price-To-Earnings Ratio (8.8x) compared to the US market (14.9x).
Price to Earnings Growth Ratio
PEG Ratio: CFB's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: CFB's Price-To-Book Ratio (1x) is in line with the US Banks industry average.
How is CrossFirst Bankshares forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CFB's earnings are forecast to decline over the next 3 years (-0.9% per year).
Earnings vs Market: CFB's earnings are forecast to decline over the next 3 years (-0.9% per year).
High Growth Earnings: CFB's earnings are forecast to decline over the next 3 years.
Revenue vs Market: CFB's revenue (7.6% per year) is forecast to grow slower than the US market (7.7% per year).
High Growth Revenue: CFB's revenue (7.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if CFB's Return on Equity is forecast to be high in 3 years time
How has CrossFirst Bankshares performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CFB has high quality earnings.
Growing Profit Margin: CFB's current net profit margins (38%) are higher than last year (16.4%).
Past Earnings Growth Analysis
Earnings Trend: CFB's earnings have grown significantly by 38.8% per year over the past 5 years.
Accelerating Growth: CFB's earnings growth over the past year (257.1%) exceeds its 5-year average (38.8% per year).
Earnings vs Industry: CFB earnings growth over the past year (257.1%) exceeded the Banks industry 20.8%.
Return on Equity
High ROE: CFB's Return on Equity (11.9%) is considered low.
How is CrossFirst Bankshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CFB's Assets to Equity ratio (8.9x) is low.
Allowance for Bad Loans: CFB has a sufficient allowance for bad loans (160%).
Low Risk Liabilities: 94% of CFB's liabilities are made up of primarily low risk sources of funding.
Loan Level: CFB has an appropriate level of Loans to Assets ratio (78%).
Low Risk Deposits: CFB's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: CFB has an appropriate level of bad loans (0.8%).
What is CrossFirst Bankshares's current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CFB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CFB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CFB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CFB's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CFB's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mike Maddox (51 yo)
Mr. Michael J. Maddox, also known as Mike, has been President and Chief Executive Officer at CrossFirst Bankshares, Inc. since June 01, 2020. He is the President and Chief Executive Officer of CrossFirst B...
CEO Compensation Analysis
Compensation vs Market: Mike's total compensation ($USD1.48M) is below average for companies of similar size in the US market ($USD3.95M).
Compensation vs Earnings: Mike's compensation has increased by more than 20% in the past year.
Experienced Management: CFB's management team is not considered experienced ( 1.6 years average tenure), which suggests a new team.
Experienced Board: CFB's board of directors are considered experienced (4.3 years average tenure).
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.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
CrossFirst Bankshares, Inc.'s employee growth, exchange listings and data sources
- Name: CrossFirst Bankshares, Inc.
- Ticker: CFB
- Exchange: NasdaqGS
- Founded: 2007
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$649.865m
- Shares outstanding: 49.65m
- Website: https://www.crossfirstbank.com
Number of Employees
- CrossFirst Bankshares, Inc.
- 11440 Tomahawk Creek Parkway
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/25 00:00|
|End of Day Share Price||2022/05/25 00:00|
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.