OTCPK:CFCX

Stock Analysis Report

Executive Summary

Centric Financial Corporation operates as the holding company for Centric Bank that offers various banking products and services.

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.

Risks

  • Centric Financial is not covered by any analysts.

Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

1.5%

OTCPK:CFCX

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-13.3%

OTCPK:CFCX

-16.1%

US Banks

-3.0%

US Market

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

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


Share holder returns

CFCXIndustryMarket
7 Day1.5%-1.8%-1.6%
30 Day1.0%-10.1%-5.7%
90 Day-1.5%-5.0%0.2%
1 Year-13.3%-13.3%-13.7%-16.1%-0.8%-3.0%
3 Year-15.8%-15.8%37.9%28.5%38.1%29.1%
5 Yearn/a49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

10.74x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Centric Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Centric Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Centric Financial is good value based on earnings compared to the US Banks industry average.

Centric Financial 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 Centric Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

Centric Financial is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

5.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

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

Centric Financial's earnings are expected to grow by 5.8% yearly, however this is not considered high growth (20% yearly).

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

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

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


Next Steps

Past Performance

How has Centric Financial performed over the past 5 years?

35.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

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

Centric Financial's 1-year earnings growth exceeds its 5-year average (55.8% vs 35.7%)

Centric Financial's earnings growth has exceeded the US Banks industry average in the past year (55.8% vs 33.1%).


Return on Equity

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


Return on Assets

Centric Financial 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 Centric 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 Centric 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

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

Centric Financial has a sufficient allowance for bad loans.

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

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

Loans at Centric Financial are broadly funded by customer deposits.

Centric Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

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

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

Unable to perform a dividend volatility check as Centric Financial has not reported any payouts.

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


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Centric Financial 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 Centric Financial's salary, the management and board of directors tenure and is there insider trading?

2.6yrs

Average management tenure


CEO

Patti Husic (54yo)

0.0yrs

Tenure

0

Ms. Patricia A. Husic, also known as Patti, serves as the Chief Executive Officer, President and Director of Centric Bank and Centric Financial Corporation. In March 2007, Ms. Husic led a team of sharehold ...


Management Age and Tenure

2.6yrs

Average Tenure

54yo

Average Age

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


Board Age and Tenure

12.6yrs

Average Tenure

62.5yo

Average Age

The average tenure for the Centric Financial 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

  • Terry Monteverde (57yo)

    Executive VP & Chief Credit Officer

    • Tenure: 3.6yrs
  • Sandie Schultz (49yo)

    Executive VP

    • Tenure: 10.9yrs
  • Patti Husic (54yo)

    President

    • Tenure: 0.0yrs
  • Leslie Meck

    Senior VP & Chief Retail Officer

    • Tenure: 0.0yrs
  • Shane McNaughton

    Senior Vice President of Management Information Systems

    • Tenure: 0.0yrs
  • Michele Light

    Senior Vice President of Bucks County Market Leader

    • Tenure: 0.0yrs
  • Kimberly Turner

    Senior VP & Chief Risk Officer

    • Tenure: 0.6yrs
  • Clair Finkenbinder

    Executive VP

    • Tenure: 1.7yrs
  • Christy Pavlakovich

    Senior VP & Director of HR

    • Tenure: 0.0yrs
  • Paul Zwally

    Senior VP

    • Tenure: 0.0yrs

Board Members

  • Steven Dayton (59yo)

    Director

    • Tenure: 12.6yrs
  • Don Enders (67yo)

    Chairman of the Board

    • Tenure: 0.0yrs
  • Patti Husic (54yo)

    President

    • Tenure: 0.0yrs
  • John Maher (60yo)

    Vice Chairman of the Board

    • Tenure: 0.0yrs
  • Frank Conte (68yo)

    Director

    • Tenure: 12.6yrs
  • Jeffrey Keiser (65yo)

    Director

    • Tenure: 12.6yrs
  • Fred Essis (78yo)

    Director Emeritus

    • Tenure: 0.0yrs
  • Thomas Flowers (50yo)

    Director

    • Tenure: 12.6yrs
  • Kerry Pae (65yo)

    Secretary & Director

    • Tenure: 13.6yrs
  • Nicole Kaylor (40yo)

    Director

    • Tenure: 3.2yrs

Company Information

Centric Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Centric Financial Corporation
  • Ticker: CFCX
  • Exchange: OTCPK
  • Founded: 2007
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$88.464m
  • Shares outstanding: 8.76m
  • Website: https://www.centricbank.com

Number of Employees


Location

  • Centric Financial Corporation
  • 4320 Linglestown Road
  • Harrisburg
  • Pennsylvania
  • 17112
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CFCXOTCPK (Pink Sheets LLC)YesCommon StockUSUSDApr 2015

Biography

Centric Financial Corporation operates as the holding company for Centric Bank that offers various banking products and services. It provides checking accounts, certificates of deposit (CD), individual ret ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/25 00:47
End of Day Share Price2019/08/19 00:00
Earnings2019/06/30
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.