CBOF Stock Overview
CBOA Financial, Inc. operates as the holding company for Commerce Bank of Arizona, Inc.
CBOA Financial Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$3.08|
|52 Week High||US$3.34|
|52 Week Low||US$2.89|
|1 Month Change||-0.65%|
|3 Month Change||0.65%|
|1 Year Change||2.67%|
|3 Year Change||16.23%|
|5 Year Change||31.06%|
|Change since IPO||-80.75%|
Recent News & Updates
|CBOF||US Banks||US Market|
Return vs Industry: CBOF exceeded the US Banks industry which returned -24.1% over the past year.
Return vs Market: CBOF exceeded the US Market which returned -20% over the past year.
|CBOF Average Weekly Movement||n/a|
|Banks Industry Average Movement||3.5%|
|Market Average Movement||6.9%|
|10% most volatile stocks in US Market||15.5%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: Insufficient data to determine CBOF's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine CBOF's volatility change over the past year.
About the Company
CBOA Financial, Inc. operates as the holding company for Commerce Bank of Arizona, Inc. that provides personal and business banking products and services in Arizona. The company offers checking and savings accounts; small business administration, business term, equipment, commercial real estate, and home mortgage loans, as well as lines of credit. It also provides electronic and telephone banking, remote deposit capture, ACH, wire, and merchant card services, as well as zero balance accounts and debit cards.
CBOA Financial Fundamentals Summary
|CBOF fundamental statistics|
Is CBOF overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CBOF income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||0.39|
|Net Profit Margin||30.33%|
How did CBOF perform over the long term?See historical performance and comparison
Is CBOF undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation 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
Key Valuation Metric
Which metric is best to use when looking at relative valuation for CBOF?
Other financial metrics that can be useful for relative valuation.
|What is CBOF's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does CBOF's PE Ratio compare to its peers?
|CBOF PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
FBPI First Bancorp of Indiana
TSBA Touchstone Bankshares
PWBO Pacific West Bank
FBPA Farmers Bank of Appomattox
CBOF CBOA Financial
Price-To-Earnings vs Peers: CBOF is good value based on its Price-To-Earnings Ratio (7.8x) compared to the peer average (11.1x).
Price to Earnings Ratio vs Industry
How does CBOF's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: CBOF is good value based on its Price-To-Earnings Ratio (7.8x) compared to the US Banks industry average (9.5x)
Price to Earnings Ratio vs Fair Ratio
What is CBOF'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.
|Current PE Ratio||7.8x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CBOF's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of CBOF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate CBOF's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate CBOF's fair value for valuation analysis.
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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How is CBOA Financial forecast to perform in the next 1 to 3 years based on estimates from 0 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 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 CBOA Financial 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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- Examine CBOA Financial's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access CBOA Financial's filings and announcements here.
How has CBOA Financial performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Last years earnings growth
Earnings and Revenue History
Quality Earnings: CBOF has high quality earnings.
Growing Profit Margin: CBOF's current net profit margins (30.3%) are higher than last year (15.1%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if CBOF's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare CBOF's past year earnings growth to its 5-year average.
Earnings vs Industry: CBOF earnings growth over the past year (131.8%) exceeded the Banks industry 8.5%.
Return on Equity
High ROE: CBOF's Return on Equity (13.7%) is considered low.
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How is CBOA Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
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: CBOF's Assets to Equity ratio (12.1x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if CBOF has a sufficient allowance for bad loans.
Low Risk Liabilities: 97% of CBOF's liabilities are made up of primarily low risk sources of funding.
Loan Level: CBOF has an appropriate level of Loans to Assets ratio (69%).
Low Risk Deposits: CBOF's Loans to Deposits ratio (77%) is appropriate.
Level of Bad Loans: Insufficient data to determine if CBOF has an appropriate level of bad loans.
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What is CBOA Financial current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
|CBOA Financial Dividend Yield vs Market|
|Company (CBOA Financial)||n/a|
|Market Bottom 25% (US)||1.6%|
|Market Top 25% (US)||4.5%|
|Industry Average (Banks)||3.2%|
|Analyst forecast in 3 Years (CBOA Financial)||n/a|
Notable Dividend: Unable to evaluate CBOF's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CBOF'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 CBOF's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CBOF'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 CBOF's dividend in 3 years as they are not forecast to pay a notable one for the US market.
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Mr. J. Chris Webster serves as President, CEO & Director of Commerce Bank of Arizona, Inc. Mr. Webster serves as Chief Executive Officer, President and Director at CBOA Financial, Inc.
Experienced Board: CBOF's board of directors are considered experienced (5.8 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.
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 8.8%.
CBOA Financial, Inc.'s employee growth, exchange listings and data sources
- Name: CBOA Financial, Inc.
- Ticker: CBOF
- Exchange: OTCPK
- Founded: 2002
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$30.272m
- Shares outstanding: 9.83m
- Website: https://www.commercebankaz.com
- CBOA Financial, Inc.
- 7315 North Oracle Road
- Suite 181
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CBOF||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Oct 2005|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/10/04 00:00|
|End of Day Share Price||2022/09/13 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.