NasdaqCM:CFBI

Stock Analysis Report

Community First Bancshares

Executive Summary

Community First Bancshares, Inc. operates as the holding company for Newton Federal Bank that provides various banking products and services in the United States.

Snowflake

Fundamentals

Flawless balance sheet with moderate growth potential.

Risks

  • Community First Bancshares is not covered by any analysts.

Similar Companies

Share Price & News

How has Community First Bancshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.5%

NasdaqCM:CFBI

-1.8%

US Banks

0.2%

US Market


1 Year Return

-13.9%

NasdaqCM:CFBI

-15.3%

US Banks

-0.7%

US Market

CFBI matched the Banks industry (-13.6%) over the past year.

CFBI underperformed the Market in United States of America which returned 0.3% over the past year.


Share holder returns

CFBIIndustryMarket
7 Day0.5%-1.8%0.2%
30 Day0.4%-6.4%-2.7%
90 Day-1.4%-4.0%1.6%
1 Year-13.9%-13.9%-12.9%-15.3%1.6%-0.7%
3 Yearn/a41.3%31.7%40.0%30.9%
5 Yearn/a50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

How volatile is Community First Bancshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Community First Bancshares undervalued based on future cash flows and its price relative to the stock market?

0.98x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Community First Bancshares to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Community First Bancshares to establish if it is available at substantial discount.


Price Based on Earnings

Community First Bancshares is loss making, we can't compare its value to the US Banks industry average.

Community First Bancshares is loss making, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Community First Bancshares, we can't assess if its growth is good value.


Price Based on Value of Assets

Community First Bancshares is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Community First Bancshares expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

40.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Community First Bancshares is high growth as no revenue estimate data is available.

Community First Bancshares's earnings are expected to grow significantly at over 20% yearly.

Unable to compare Community First Bancshares's revenue growth to the United States of America market average as no estimate data is available.

Community First Bancshares's earnings growth is expected to exceed the United States of America market average.

Community First Bancshares's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Community First Bancshares will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Community First Bancshares performed over the past 5 years?

-57.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Community First Bancshares does not make a profit and their year on year earnings growth rate was negative over the past 5 years.

Unable to compare Community First Bancshares's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Community First Bancshares's 1-year growth to the US Banks industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Community First Bancshares has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if Community First Bancshares has efficiently used its assets last year compared to the US Banks industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if Community First Bancshares improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is Community First Bancshares'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

Information is not available.

Information is not available.


Financial Institutions Analysis

Community First Bancshares has an acceptable proportion of non-loan assets held.

Community First Bancshares has a sufficient allowance for bad loans.

Community First Bancshares's liabilities are made up of primarily low risk sources of funding.

Community First Bancshares's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Community First Bancshares are broadly funded by customer deposits.

Community First Bancshares has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Community First Bancshares's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Community First Bancshares's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Community First Bancshares's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Community First Bancshares has not reported any payouts.

Unable to verify if Community First Bancshares's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Community First Bancshares has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Community First Bancshares's salary, the management and board of directors tenure and is there insider trading?

3.5yrs

Average management tenure


CEO

Johnny Smith (60yo)

3.5yrs

Tenure

US$342,127

Compensation

Mr. Johnny S. Smith serves as Chief Executive Officer and President at Community First Bancshares, Inc. (MHC) (“Company”) and Newton Federal Bank (MHC) (“Bank”). He brings to Bank over 25 years of banking  ...


CEO Compensation Analysis

Johnny's remuneration is about average for companies of similar size in United States of America.

Johnny's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

3.5yrs

Average Tenure

51yo

Average Age

The tenure for the Community First Bancshares management team is about average.


Board Age and Tenure

3.6yrs

Average Tenure

71yo

Average Age

The tenure for the Community First Bancshares board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Johnny Smith (60yo)

    President

    • Tenure: 3.5yrs
    • Compensation: US$342.13k
  • Greg Proffitt (51yo)

    Executive VP

    • Tenure: 3.5yrs
    • Compensation: US$201.56k
  • Kenny Lumpkin (54yo)

    Chief Lending & Marketing Officer and Executive VP

    • Tenure: 3.5yrs
    • Compensation: US$200.35k
  • Tessa Nolan (34yo)

    Senior VP & CFO

    • Tenure: 3.5yrs
  • John Crook (39yo)

    Senior VP & Senior Credit Officer

    • Tenure: 0.9yrs
  • Nancy Mask

    Vice President of Branch Sales Manager - Eastside

    • Tenure: 0.0yrs

Board Members

  • Billy Fortson (77yo)

    Chairman of the Board

    • Tenure: 2.6yrs
    • Compensation: US$109.33k
  • Marshall Ginn (66yo)

    Director

    • Tenure: 15.6yrs
    • Compensation: US$52.84k
  • Bob Richardson (71yo)

    Director

    • Tenure: 28.6yrs
    • Compensation: US$103.21k
  • Johnny Smith (60yo)

    President

    • Tenure: 3.5yrs
    • Compensation: US$342.13k
  • Phil Stone (72yo)

    Director

    • Tenure: 18.6yrs
    • Compensation: US$64.72k
  • Robby Roberts (71yo)

    Director

    • Tenure: 1.8yrs
    • Compensation: US$23.85k
  • Mark Ross (50yo)

    Director

    • Tenure: 1.8yrs
    • Compensation: US$22.95k

Company Information

Community First Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Community First Bancshares, Inc.
  • Ticker: CFBI
  • Exchange: NasdaqCM
  • Founded: 1928
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$75.578m
  • Shares outstanding: 7.56m
  • Website: https://www.newtonfederal.com

Number of Employees


Location

  • Community First Bancshares, Inc.
  • 3175 Highway 278
  • Covington
  • Georgia
  • 30014
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CFBINasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDApr 2017
561DB (Deutsche Boerse AG)YesCommon StockDEEURApr 2017

Biography

Community First Bancshares, Inc. operates as the holding company for Newton Federal Bank that provides various banking products and services in the United States. The company offers various deposit account ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 00:32
End of Day Share Price2019/08/20 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.