Community First Bancshares, Inc. operates as the holding company for Newton Federal Bank that provides various banking products and services in the United States. More Details
Flawless balance sheet with weak fundamentals.
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 exceeded the US Banks industry which returned -30.9% over the past year.
Return vs Market: CFBI underperformed the US Market which returned 12% 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 months ago | Simply Wall StCommunity First Bancshares'(NASDAQ:CFBI) Share Price Is Down 48% Over The Past Three Years.
5 months ago | Simply Wall StThose Who Purchased Community First Bancshares (NASDAQ:CFBI) Shares Three Years Ago Have A 49% Loss To Show For It
7 months ago | Simply Wall StDo Insiders Own Shares In Community First Bancshares, Inc. (NASDAQ:CFBI)?
Is Community First Bancshares undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) 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 unprofitable, so we can't compare its PE Ratio to the US Banks industry average.
PE vs Market: CFBI is unprofitable, so we can't compare its PE Ratio to the US market.
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's PB Ratio (0.7x) is in line with the US Banks industry average.
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 is currently unprofitable.
Growing Profit Margin: CFBI is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: CFBI is unprofitable, and losses have increased over the past 5 years at a rate of 39.1% per year.
Accelerating Growth: Unable to compare CFBI's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: CFBI is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (-3.6%).
Return on Equity
High ROE: CFBI has a negative Return on Equity (-0.13%), as it is currently unprofitable.
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
Financial Institutions Analysis
Asset Level: CFBI's Assets to Equity ratio (11.7x) is moderate.
Allowance for Bad Loans: CFBI has a sufficient allowance for bad loans (126%).
Low Risk Liabilities: 75% of CFBI's liabilities are made up of primarily low risk sources of funding.
Loan Level: CFBI has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: CFBI's Loans to Deposits ratio (102%) is appropriate.
Level of Bad Loans: CFBI has an appropriate level of bad loans (0.6%).
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 recent payouts.
High Dividend: Unable to evaluate CFBI'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 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
Ed Cooney (52 yo)
Mr. Edward J. Cooney, also known as Ed, CPA, has been Chief Executive Officer and Director of Community First Bancshares, Inc. (MHC), Newton Federal Bank (MHC) and Community First Bancshares, MHC since Jan ...
|President & Corporate Secretary||0.58yr||US$520.65k||0.26% |
|CEO & Director||0.75yr||no data||0.41% |
|Senior VP & CFO||4.58yrs||no data||0.20% |
|Chief Operations Officer||0.58yr||no data||0.13% |
|Executive VP & Chief Credit Officer||0.75yr||no data||0.16% |
|Chief Treasury & Risk Management Officer||0.58yr||no data||0.13% |
|Vice President of Branch Sales Manager - Eastside||no data||no data||no data|
|Executive Vice President of Lending||0.75yr||no data||0.16% |
Experienced Management: CFBI's management team is not considered experienced ( 0.8 years average tenure), which suggests a new team.
|CEO & Director||0.75yr||no data||0.41% |
|Independent Chairman of the Board||3.75yrs||US$189.45k||0.48% |
|Independent Director||16.75yrs||US$145.88k||0.26% |
|Independent Vice Chairman||no data||US$191.24k||0.22% |
|Independent Director||19.75yrs||US$144.37k||0.44% |
|Independent Director||3yrs||US$105.82k||0.044% |
|Independent Director||3yrs||US$105.97k||0.029% |
|Independent Director||0.58yr||no data||0.013% |
Experienced Board: CFBI's board of directors are considered experienced (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$56.062m
- Shares outstanding: 7.57m
- 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 account ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/31 00:47|
|End of Day Share Price||2020/10/29 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.