OTCPK:CCFH

Stock Analysis Report

Executive Summary

CCF Holding Company operates as the holding company for Heritage Bank that provides a range of banking services to individual and corporate customers in Georgia.

Snowflake

Fundamentals

Flawless balance sheet and good value.

Risks

  • CCF Holding is not covered by any analysts.

Share Price & News

How has CCF Holding's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:CCFH

-1.9%

US Banks

-1.9%

US Market


1 Year Return

-2.2%

OTCPK:CCFH

-16.1%

US Banks

-3.3%

US Market

CCFH outperformed the Banks industry which returned -16.1% over the past year.

CCFH matched the United States of America Market (-3%) over the past year.


Share holder returns

CCFHIndustryMarket
7 Day0%-1.9%-1.9%
30 Day-3.9%-11.1%-6.2%
90 Day29.7%-4.9%0.3%
1 Year-2.2%-2.2%-13.7%-16.1%-1.1%-3.3%
3 Year128.6%128.6%37.8%28.4%37.9%28.9%
5 Year258.2%258.2%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

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


Simply Wall St News

1 year ago | Simply Wall St

Top Cheap Stocks in December

1 year ago | Simply Wall St

Top Cheap Stocks in December

Valuation

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

>50%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

CCF Holding's share price is below the future cash flow value, and at a moderate discount (> 20%).

CCF Holding's share price is below the future cash flow value, and at a substantial discount (> 40%).


Price Based on Earnings

CCF Holding is good value based on earnings compared to the US Banks industry average.

CCF Holding is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

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


Price Based on Value of Assets

CCF Holding is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

6.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if CCF Holding is high growth as no revenue estimate data is available.

CCF Holding's earnings are expected to grow by 6.4% yearly, however this is not considered high growth (20% yearly).

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

CCF Holding's earnings growth is positive but not above the United States of America market average.

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


Next Steps

Past Performance

How has CCF Holding performed over the past 5 years?

11.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

CCF Holding's year on year earnings growth rate has been positive over the past 5 years.

CCF Holding's 1-year earnings growth exceeds its 5-year average (369.4% vs 11%)

CCF Holding's earnings growth has exceeded the US Banks industry average in the past year (369.4% vs 33.1%).


Return on Equity

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


Return on Assets

CCF Holding used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if CCF Holding 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 CCF Holding'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

CCF Holding has an acceptable proportion of non-loan assets held.

CCF Holding has a sufficient allowance for bad loans.

CCF Holding's liabilities are made up of primarily low risk sources of funding.

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

Loans at CCF Holding are broadly funded by customer deposits.

CCF Holding has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is CCF Holding's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate CCF Holding's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate CCF Holding's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as CCF Holding has not reported any payouts.

Unable to verify if CCF Holding's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as CCF Holding has not reported any payouts.


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

15.5yrs

Average management tenure


CEO

Leonard Moreland (58yo)

2.6yrs

Tenure

US$145,444

Compensation

Mr. Leonard A. Moreland has been the Chief Executive Officer of the Heritage Bank, a subsidiary of CCF Holding Co. since January 1, 2006 and served as its President since January 1, 2001 until November 30, ...


Management Age and Tenure

15.5yrs

Average Tenure

64.5yo

Average Age

The average tenure for the CCF Holding management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

16.6yrs

Average Tenure

71.5yo

Average Age

The average tenure for the CCF Holding board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Leonard Moreland (58yo)

    President

    • Tenure: 2.6yrs
    • Compensation: US$145.44k
  • Roy Hall (73yo)

    Secretary & Director

    • Tenure: 19.6yrs
    • Compensation: US$32.73k
  • Stan Kemp (71yo)

    Executive Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$32.75k
  • Mary Jester (58yo)

    CFO & Executive VP

    • Tenure: 22.5yrs
    • Compensation: US$166.44k

Board Members

  • David Turner (71yo)

    Director

    • Tenure: 24.4yrs
    • Compensation: US$159.06k
  • Leonard Moreland (58yo)

    President

    • Tenure: 2.6yrs
    • Compensation: US$145.44k
  • Dick Florin (72yo)

    Director

    • Tenure: 1.7yrs
    • Compensation: US$113.16k
  • Tommy Segers (75yo)

    Director

    • Tenure: 1.7yrs
    • Compensation: US$88.92k
  • Jack Bowdoin (69yo)

    Director

    • Tenure: 0.0yrs
    • Compensation: US$65.89k
  • Roy Hall (73yo)

    Secretary & Director

    • Tenure: 19.6yrs
    • Compensation: US$32.73k
  • Stan Kemp (71yo)

    Executive Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$32.75k
  • John Mitchell (78yo)

    Director

    • Tenure: 20.3yrs
    • Compensation: US$30.95k
  • Stephen Boswell (72yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$57.90k
  • Michael Burt (68yo)

    Director

    • Tenure: 3.6yrs

Company Information

CCF Holding Company's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: CCF Holding Company
  • Ticker: CCFH
  • Exchange: OTCPK
  • Founded: 1995
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$70.553m
  • Shares outstanding: 2.94m
  • Website: https://www.heritagebank.com

Location

  • CCF Holding Company
  • 101 North Main Street
  • Jonesboro
  • Georgia
  • 30236
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CCFHOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 1995

Biography

CCF Holding Company operates as the holding company for Heritage Bank that provides a range of banking services to individual and corporate customers in Georgia. The company’s deposit products include basi ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/25 23:34
End of Day Share Price2019/08/13 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


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.