Central Federal Bancshares, Inc. operates as a savings and loan holding company for Central Federal Savings and Loan Association of Rolla that provides various financial services in Missouri.
The last earnings update was 95 days ago.
Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
Central Federal Bancshares. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
Central Federal Bancshares's
is considered below, and whether this is a fair price.
Price based on past earnings
Central Federal Bancshares's earnings available for a low price, and how does
this compare to other companies in the same industry?
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 Central Federal Bancshares 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 Simply Wall St do have past financial data. You can see them here.
Show me the analysis anyway
The future performance of a company is measured in the same way as past
performance, by looking at estimated
and how much profit it is expected to make.
Future estimates come from
professional analysts. Just like forecasting the weather, they don’t always get
Expected Mortgage industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Central Federal Bancshares
expected to grow at an
Unable to compare Central Federal Bancshares's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
Unable to compare Central Federal Bancshares's earnings growth to the United States of America market average as no estimate data is available.
Unable to compare Central Federal Bancshares's revenue growth to the United States of America market average as no estimate data is available.
Unable to determine if Central Federal Bancshares is high growth as no earnings estimate data is available.
Unable to determine if Central Federal Bancshares is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
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 Central Federal Bancshares's filings and announcements here.
Central Federal Bancshares's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
Central Federal Bancshares
has a total score of
1/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Fundamentally a bank's business is based upon borrowing and lending money, for
this reason they typically have high levels of debt and we analyse them
This treemap shows a more detailed breakdown of
Central Federal Bancshares's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. William A. Stoltz, also known as Bill, serves as the Chief Executive Officer and President at Central Federal Bancshares, Inc. Mr. Stoltz has been the Chief Executive Officer and President of Central Federal Savings and Loan Association of Rolla since 1999. He has been an Officer of Central Federal since 1986. Mr. Stoltz has experience in the financial industry, including extensive experience in all areas of residential, consumer and commercial lending. He is also active in a number of civic organizations, including the Rolla Lions Club, the Rolla Chamber of Commerce and the Missouri University of Science and Technology Alumni Association.
Bill's compensation has increased in line with Central Federal Bancshares recently becoming profitable.
Bill's remuneration is lower than average for companies of similar size in United States of America.
President & CEO
Chief Financial Officer
Senior Vice President
Board of Directors Tenure
Average tenure and age of the
Central Federal Bancshares
board of directors in years:
The tenure for the Central Federal Bancshares board of directors is about average.
Board of Directors
Chairman of the Board
Director Emeritus of Central Federal
Who owns this company?
Recent Insider Trading
No 3 month open market individual insider trading information.
Central Federal Bancshares, Inc. operates as a savings and loan holding company for Central Federal Savings and Loan Association of Rolla that provides various financial services in Missouri. The company’s deposit instruments include non-interest-bearing demand deposits, such as checking accounts; interest-bearing demand accounts, including NOW and money market accounts; statement savings accounts; and certificates of deposit. Its loan portfolio comprises real estate loans consisting of owner-occupied and non-owner occupied one-to four-family loans, one-to four-family construction loans, home equity lines of credit and other junior lien loans, and land loans; commercial and multi-family real estate loans that include loans and lines of credit secured by commercial real estate, including multi-family residential real estate and owner-occupied commercial property; commercial business loans; and consumer and other loans comprising automobile and recreational vehicle loans. The company serves customers in Phelps County, Missouri, as well as in the Missouri counties of Dent, Texas, Crawford, Pulaski, and Maries. Central Federal Bancshares, Inc. was founded in 1952 and is headquartered in Rolla, Missouri.
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