CBOA Financial Past Earnings Performance
Past criteria checks 3/6
CBOA Financial has been growing earnings at an average annual rate of 14.8%, while the Banks industry saw earnings growing at 10.6% annually. Revenues have been growing at an average rate of 12.3% per year. CBOA Financial's return on equity is 10%, and it has net margins of 17.9%.
Key information
14.8%
Earnings growth rate
8.9%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 12.3% |
| Return on equity | 10.0% |
| Net Margin | 17.9% |
| Last Earnings Update | 30 Sep 2023 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses Breakdown
How CBOA Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 23 | 17 | 3 | 11 | 0 |
| 31 Dec 22 | 16 | 3 | 10 | 0 |
| 30 Sep 22 | 14 | 3 | 15 | 0 |
| 30 Jun 22 | 14 | 2 | 0 | 0 |
| 31 Mar 22 | 13 | 3 | 0 | 0 |
| 31 Dec 21 | 13 | 3 | 8 | 0 |
| 30 Sep 21 | 13 | 4 | 0 | 0 |
| 30 Jun 21 | 12 | 4 | 0 | 0 |
| 31 Mar 21 | 12 | 3 | 0 | 0 |
| 31 Dec 20 | 11 | 3 | 0 | 0 |
| 30 Sep 20 | 11 | 2 | 0 | 0 |
| 30 Jun 20 | 11 | 2 | 0 | 0 |
| 31 Mar 20 | 11 | 2 | 0 | 0 |
| 31 Dec 19 | 11 | 2 | 0 | 0 |
| 31 Dec 18 | 10 | 2 | 0 | 0 |
Quality Earnings: CBOF has high quality earnings.
Growing Profit Margin: CBOF's current net profit margins (17.9%) are lower than last year (20.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CBOF's earnings have grown by 14.8% per year over the past 5 years.
Accelerating Growth: CBOF's earnings growth over the past year (4.5%) is below its 5-year average (14.8% per year).
Earnings vs Industry: CBOF earnings growth over the past year (4.5%) exceeded the Banks industry -8.8%.
Return on Equity
High ROE: CBOF's Return on Equity (10%) is considered low.