OTCPK:CFGW

Stock Analysis Report

Community Financial Group (Spokane WA)

Executive Summary

Community Financial Group, Inc. operates as the holding company for Wheatland Bank that provides various personal and business banking products and services.

Snowflake

Fundamentals

Proven track record with adequate balance sheet.

Share Price & News

How has Community Financial Group (Spokane WA)'s share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

CFGW

2.7%

US Banks

0.4%

US Market


1 Year Return

8.5%

CFGW

2.7%

US Banks

6.9%

US Market

Return vs Industry: CFGW exceeded the US Banks industry which returned 2.7% over the past year.

Return vs Market: CFGW exceeded the US Market which returned 6.9% over the past year.


Shareholder returns

CFGWIndustryMarket
7 Day0%2.7%0.4%
30 Day0%0.2%-1.2%
90 Dayn/a2.9%-0.4%
1 Year8.5%8.5%5.7%2.7%9.3%6.9%
3 Year113.4%113.4%52.1%41.6%45.8%36.4%
5 Year179.5%179.5%69.2%50.7%62.9%45.1%

Price Volatility Vs. Market

How volatile is Community Financial Group (Spokane WA)'s share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Community Financial Group (Spokane WA) undervalued compared to its fair value and its price relative to the market?

9.95x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Undervalued: CFGW ($30.75) is trading above our estimate of fair value ($26.04)

Significantly Undervalued: CFGW is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: CFGW is good value based on its PE Ratio (10x) compared to the Banks industry average (12.6x).

PE vs Market: CFGW is good value based on its PE Ratio (10x) compared to the US market (17.6x).


Price to Earnings Growth Ratio

Low PEG Ratio: Insufficient data to calculate CFGW's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: CFGW is overvalued based on its PB Ratio (1.2x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Community Financial Group (Spokane WA) forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

3.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: CFGW's forecast earnings growth (3.3% per year) is above the savings rate (2.7%).

Earnings vs Market: CFGW's earnings (3.3% per year) are forecast to grow slower than the US market (14.5% per year).

High Growth Earnings: CFGW's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if CFGW's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if CFGW's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

High Future ROE: Insufficient data to determine if CFGW's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Community Financial Group (Spokane WA) performed over the past 5 years?

32.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: CFGW's earnings have grown significantly by 32.4% per year over the past 5 years.

Accelerating Growth: CFGW's earnings growth over the past year (52%) exceeds its 5-year average (32.4% per year).

Earnings vs Industry: CFGW earnings growth over the past year (52%) exceeded the Banks industry 29.6%.


Return on Equity

High ROE: CFGW's Return on Equity (12.9%) is considered low.


Return on Assets

ROA vs Industry: CFGW has a higher Return on Assets than the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate CFGW's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Community Financial Group (Spokane WA)'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

Inventory Level: CFGW has a low level of unsold assets or inventory.

Debt Coverage by Assets: CFGW's debt is covered by short term assets (assets are 10.741480x debt).


Financial Institutions Analysis

Asset Level: CFGW's level of assets compared to its equity is moderate.

Allowance for Bad Loans: Insufficient data to determine if CFGW has a sufficient allowance for bad loans.

Low Risk Liabilities: CFGW's liabilities are made up of primarily low risk sources of funding.

Loan Level: CFGW has an acceptable proportion of non-loan assets held.

Low Risk Deposits: CFGW's loans are broadly funded by customer deposits.

Level of Bad Loans: Insufficient data to determine if CFGW has an appropriate level of bad loans.


Next Steps

Dividend

What is Community Financial Group (Spokane WA)'s current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate CFGW's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate CFGW's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if CFGW's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CFGW's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of CFGW's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of Community Financial Group (Spokane WA)'s salary, the management and board of directors tenure and is there insider trading?


CEO

Sue Horton (58yo)

19.8yrs

Tenure

0

Ms. Susan M. Horton, also known as Sue, CPA serves as the Chairman, Chief Executive Officer and President of Community Financial Group, Inc. (Spokane, WA) and Wheatland Bank. 


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Sue Horton (58yo)

    Chairman

    • Tenure: 19.8yrs
  • Donna Herak Bock

    Secretary & Director

    • Tenure: 21.8yrs
  • Allison Yarnell

    Executive VP & CFO

    • Tenure: 0yrs
  • Joe Druffel

    Executive VP

    • Tenure: 0yrs
  • Mike Palmer

    Executive VP & Chief Banking Officer of Wheatland Bank

    • Tenure: 0yrs

Board Members

  • Sue Horton (58yo)

    Chairman

    • Tenure: 19.8yrs
  • Dennis Bly

    Vice Chairman

    • Tenure: 0yrs
  • Donna Herak Bock

    Secretary & Director

    • Tenure: 21.8yrs
  • Richard Vandervert

    Director

    • Tenure: 0yrs
  • Charles Cooper

    Director

    • Tenure: 0yrs
  • Scott Jones

    Director

    • Tenure: 0yrs

Company Information

Community Financial Group, Inc. (Spokane, WA)'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Community Financial Group, Inc. (Spokane, WA)
  • Ticker: CFGW
  • Exchange: OTCPK
  • Founded: 1979
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$47.516m
  • Shares outstanding: 1.55m
  • Website: https://www.wheatland.bank

Number of Employees


Location

  • Community Financial Group, Inc. (Spokane, WA)
  • 222 North Wall Street
  • Suite 308
  • Spokane
  • Washington
  • 99201
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CFGWOTCPK (Pink Sheets LLC)YesCommon StockUSUSDDec 2005

Biography

Community Financial Group, Inc. operates as the holding company for Wheatland Bank that provides various personal and business banking products and services. The company offers personal and business checki ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/18 23:55
End of Day Share Price2019/08/20 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.