OTCPK:CCFC

Stock Analysis Report

Executive Summary

CCSB Financial Corp. operates as a financial holding company for Clay County Savings Bank that provides a range of banking and financial services to individual and corporate customers in the northern part of metropolitan Kansas City, Missouri.

Snowflake

Fundamentals

Adequate balance sheet with limited growth.

Risks

  • CCSB Financial's last earnings update was 255 days ago.
  • CCSB Financial is not covered by any analysts.

Share Price & News

How has CCSB Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:CCFC

-1.2%

US Mortgage

-1.6%

US Market


1 Year Return

5.0%

OTCPK:CCFC

-2.8%

US Mortgage

-3.0%

US Market

CCFC outperformed the Mortgage industry which returned -2.8% over the past year.

CCFC outperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

CCFCIndustryMarket
7 Day0%-1.2%-1.6%
30 Day-0.7%-2.7%-5.7%
90 Day3.4%-1.6%0.2%
1 Year7.5%5.0%-0.8%-2.8%-0.8%-3.0%
3 Year42.9%37.9%29.8%21.1%38.1%29.1%
5 Year88.6%82.0%55.3%39.0%50.8%34.1%

Price Volatility Vs. Market

How volatile is CCSB Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is CCSB Financial undervalued based on future cash flows and its price relative to the stock market?

27.22x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for CCSB Financial to establish if it is available at moderate discount.

Unable to calculate intrinsic value for CCSB Financial to establish if it is available at substantial discount.


Price Based on Earnings

CCSB Financial is overvalued based on earnings compared to the US Mortgage industry average.

CCSB Financial is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for CCSB Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

CCSB Financial is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is CCSB Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

19.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if CCSB Financial is high growth as no revenue estimate data is available.

CCSB Financial's earnings are expected to grow by 19.9% yearly, however this is not considered high growth (20% yearly).

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

CCSB Financial's earnings growth is expected to exceed the United States of America market average.

CCSB Financial'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 CCSB Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has CCSB Financial performed over the past 5 years?

25.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

CCSB Financial has delivered over 20% year on year earnings growth in the past 5 years.

CCSB Financial's 1-year earnings growth is less than its 5-year average (21.2% vs 25.8%)

CCSB Financial's earnings growth has not exceeded the US Mortgage industry average in the past year (21.2% vs 32.9%).


Return on Equity

CCSB Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

CCSB Financial used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if CCSB Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is CCSB Financial'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

CCSB Financial has an acceptable proportion of non-loan assets held.

Unable to establish if CCSB Financial has a sufficient allowance for bad loans without relevant financial data.

CCSB Financial's liabilities are made up of primarily low risk sources of funding.

CCSB Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at CCSB Financial are broadly funded by customer deposits.

Unable to establish if CCSB Financial has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is CCSB Financial's current dividend yield, its reliability and sustainability?

1.47%

Current Dividend Yield


Dividend Yield and Payments Analysis

CCSB Financial's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

CCSB Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Whilst dividend payments have been stable, CCSB Financial has been paying a dividend for less than 10 years.

Dividend payments have increased, but CCSB Financial only paid a dividend in the past 3 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.5x coverage).


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 CCSB Financial's salary, the management and board of directors tenure and is there insider trading?

4.6yrs

Average management tenure


CEO

Mario Usera (58yo)

5.7yrs

Tenure

US$147,976

Compensation

Mr. Mario Usera has been Chief Executive Officer and President of CCSB Financial Corp. since December 18, 2013 and February 2006 respectively and served as its Chief Financial Officer. Mr. Usera served as  ...


CEO Compensation Analysis

Mario's remuneration is lower than average for companies of similar size in United States of America.

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


Management Age and Tenure

4.6yrs

Average Tenure

59.5yo

Average Age

The tenure for the CCSB Financial management team is about average.


Board Age and Tenure

2.6yrs

Average Tenure

64.5yo

Average Age

The average tenure for the CCSB Financial board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Deborah Jones (63yo)

    Executive VP

    • Tenure: 0.8yrs
    • Compensation: US$109.43k
  • Mario Usera (58yo)

    President

    • Tenure: 5.7yrs
    • Compensation: US$147.98k
  • Kathy Varnon (61yo)

    Senior Vice President

    • Tenure: 4.6yrs
  • Mary Gray (57yo)

    Senior VP & Treasurer

    • Tenure: 4.6yrs

Board Members

  • Debra Coltman (66yo)

    Director

    • Tenure: 3.6yrs
  • Deborah Jones (63yo)

    Executive VP

    • Tenure: 0.8yrs
    • Compensation: US$109.43k
  • Al McKinley (82yo)

    Chairman

    • Tenure: 0.8yrs
  • Mario Usera (58yo)

    President

    • Tenure: 5.7yrs
    • Compensation: US$147.98k
  • David Feess

    Director

    • Tenure: 1.6yrs
  • Robert Durden (71yo)

    Director

    • Tenure: 12.6yrs
  • Louis Freeman (62yo)

    Director

    • Tenure: 0.0yrs

Company Information

CCSB Financial Corp.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: CCSB Financial Corp.
  • Ticker: CCFC
  • Exchange: OTCPK
  • Founded: 1922
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$10.094m
  • Shares outstanding: 739.50k
  • Website: https://www.claycountysavings.com

Location

  • CCSB Financial Corp.
  • 1178 West Kansas Street
  • PO Box 277
  • Liberty
  • Missouri
  • 64069
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CCFCOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 2003

Biography

CCSB Financial Corp. operates as a financial holding company for Clay County Savings Bank that provides a range of banking and financial services to individual and corporate customers in the northern part  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:48
End of Day Share Price2019/08/02 00:00
Earnings2018/09/30
Annual Earnings2018/09/30


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.