Community First Bancshares, Inc. operates as the holding company for Newton Federal Bank that provides various banking products and services in the United States.
Flawless balance sheet and overvalued.
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
Stable Share Price: CFBI has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: CFBI underperformed the US Banks industry which returned -33.7% over the past year.
Return vs Market: CFBI underperformed the US Market which returned -14.9% over the past year.
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
2 weeks ago | Simply Wall StDo Insiders Own Shares In Community First Bancshares, Inc. (NASDAQ:CFBI)?
2 months ago | Simply Wall StDid Community First Bancshares's (NASDAQ:CFBI) Share Price Deserve to Gain 11%?
8 months ago | Simply Wall StThe Community First Bancshares (NASDAQ:CFBI) Share Price Is Down 13% So Some Shareholders Are Getting Worried
Is Community First Bancshares undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate CFBI's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate CFBI's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: CFBI is poor value based on its PE Ratio (125x) compared to the Banks industry average (8.6x).
PE vs Market: CFBI is poor value based on its PE Ratio (125x) compared to the US market (12.5x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CFBI's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CFBI is good value based on its PB Ratio (0.6x) compared to the US Banks industry average (0.8x).
How is Community First Bancshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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 Community First Bancshares 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.
How has Community First Bancshares performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CFBI has high quality earnings.
Growing Profit Margin: CFBI's current net profit margins (2.5%) are lower than last year (4.4%).
Past Earnings Growth Analysis
Earnings Trend: CFBI's earnings have declined by -55.6% per year over the past 5 years.
Accelerating Growth: CFBI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CFBI had negative earnings growth (-40%) over the past year, making it difficult to compare to the Banks industry average (10.9%).
Return on Equity
High ROE: CFBI's Return on Equity (0.5%) is considered low.
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
Inventory Level: CFBI has a low level of unsold assets or inventory.
Debt Coverage by Assets: Insufficient data to determine if CFBI's debt is covered by short term assets.
Financial Institutions Analysis
Asset Level: CFBI's level of assets compared to its equity is low.
Allowance for Bad Loans: CFBI has a sufficient allowance for bad loans.
Low Risk Liabilities: CFBI's liabilities are made up of primarily low risk sources of funding.
Loan Level: CFBI has an acceptable proportion of non-loan assets held.
Low Risk Deposits: CFBI's loans are broadly funded by customer deposits.
Level of Bad Loans: CFBI has an appropriate level of bad loans (0.87%)
What is Community First Bancshares's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CFBI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate CFBI's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CFBI's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CFBI's dividend payments have been increasing.
Current Payout to Shareholders
Dividend 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 CFBI's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Edward J. Cooney, CPA has been Chief Executive Officer and Director of Community First Bancshares, Inc. , Newton Federal Bank and at Community First Bancshares, MHC since January 10, 2020. Mr. Cooney s ...
|President||no data||US$201.56k||0.25% $118.9k|
|Chief Lending & Marketing Officer and Executive VP||4.17yrs||US$200.35k||0.26% $125.2k|
|CEO & Director||0.25yr||no data||0.079% $37.5k|
|Senior VP & CFO||4.17yrs||no data||0.20% $93.2k|
|Chief Operations Officer||0.083yr||no data||no data|
|Vice President of Branch Sales Manager - Eastside||no data||no data||no data|
Experienced Management: CFBI's management team is considered experienced (2.2 years average tenure).
|CEO & Director||0.25yr||no data||0.079% $37.5k|
|Chairman of the Board||3.25yrs||US$109.33k||0.48% $228.1k|
|Independent Director||16.25yrs||US$52.84k||0.20% $93.8k|
|Independent Director||29.25yrs||US$103.21k||0.22% $103.4k|
|Independent Director||19.25yrs||US$64.72k||0.44% $207.3k|
|Independent Director||2.5yrs||US$23.85k||0.11% $53.1k|
|Independent Director||2.5yrs||US$22.95k||0.098% $46.2k|
|Director||0.083yr||no data||no data|
Experienced Board: CFBI's board of directors are considered experienced (3.3 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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Community First Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Community First Bancshares, Inc.
- Ticker: CFBI
- Exchange: NasdaqCM
- Founded: 1928
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$47.237m
- Shares outstanding: 7.56m
- Website: https://www.newtonfederal.com
Number of Employees
- Community First Bancshares, Inc.
- 3175 Highway 278
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CFBI||NasdaqCM (Nasdaq Capital Market)||Yes||Common Stock||US||USD||Apr 2017|
|561||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Apr 2017|
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 accounts, including checking accounts, savings accounts, and certificate of deposit accounts. It also provides one-to four-family residential real estate loans, commercial real estate loans, commercial and industrial loans, construction and land loans, indirect automobile loans, and consumer loans, as well as multi-family residential real estate loans, and home equity loans and lines of credit. In addition, the company invests in securities; and offers money transfer and other banking services. It operates through its main and branch office in Covington, Georgia; and loan production offices in Watkinsville and Braselton, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia. Community First Bancshares, Inc. is a subsidiary of Community First Bancshares, MHC.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/03 09:38|
|End of Day Share Price||2020/04/02 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.