Communities First Financial Corporation operates as the holding company for Fresno First Bank that provides various banking products and services for individuals, professionals, and businesses in Central California.
Flawless balance sheet with proven track record.
Share Price & News
How has Communities First Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CFST has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: CFST exceeded the US Banks industry which returned -20% over the past year.
Return vs Market: CFST underperformed the US Market which returned 16.3% over the past year.
Price Volatility Vs. Market
How volatile is Communities First Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Communities First Financial undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate CFST's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate CFST's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: CFST is good value based on its PE Ratio (7.4x) compared to the US Banks industry average (9.9x).
PE vs Market: CFST is good value based on its PE Ratio (7.4x) compared to the US market (18.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CFST's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CFST is overvalued based on its PB Ratio (1.2x) compared to the US Banks industry average (0.8x).
How is Communities First Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
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 Communities First Financial 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 SimplyWall St do have past financial data.
- Check out Communities First Financial's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Communities First Financial's filings and announcementshere.
- Explore growth companies in the Banks industry.
How has Communities First Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CFST has high quality earnings.
Growing Profit Margin: CFST's current net profit margins (36%) are higher than last year (34%).
Past Earnings Growth Analysis
Earnings Trend: CFST's earnings have grown significantly by 35.2% per year over the past 5 years.
Accelerating Growth: CFST's earnings growth over the past year (31.2%) is below its 5-year average (35.2% per year).
Earnings vs Industry: CFST earnings growth over the past year (31.2%) exceeded the Banks industry -2.9%.
Return on Equity
High ROE: CFST's Return on Equity (16.5%) is considered low.
How is Communities First Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CFST's Assets to Equity ratio (12.5x) is moderate.
Allowance for Bad Loans: CFST has a sufficient allowance for bad loans (534%).
Low Risk Liabilities: 98% of CFST's liabilities are made up of primarily low risk sources of funding.
Loan Level: CFST has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: CFST's Loans to Deposits ratio (83%) is appropriate.
Level of Bad Loans: CFST has an appropriate level of bad loans (0.2%).
What is Communities First Financial current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CFST's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CFST's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CFST's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CFST'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 CFST's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Steve Miller (46 yo)
Mr. Steven Kenneth Miller, also known as Steve, has been the Chief Executive Officer and President of Communities First Financial Corporation since October 2015. Mr. Miller has been the Chief Executive Off ...
CEO Compensation Analysis
Compensation vs Market: Steve's total compensation ($USD653.77K) is about average for companies of similar size in the US market ($USD594.10K).
Compensation vs Earnings: Steve's compensation has increased by more than 20% in the past year.
|Secretary & Independent Director||5.75yrs||US$27.40k||0.75% |
|Independent Director||5.75yrs||US$31.64k||2.46% |
|Independent Director||5.75yrs||US$31.19k||2.93% |
|Independent Chairman of the Board||2.25yrs||US$42.68k||4.79% |
|Independent Director||5.75yrs||US$32.00k||2.53% |
|Independent Director||5.75yrs||US$20.80k||0.40% |
|Independent Director||5.75yrs||US$37.80k||0.73% |
|Independent Director||5.75yrs||US$40.61k||6.6% |
|Independent Director||6.58yrs||US$27.00k||0.51% |
Experienced Board: CFST's board of directors are considered experienced (5.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 2.7%.
Communities First Financial Corporation's company bio, employee growth, exchange listings and data sources
- Name: Communities First Financial Corporation
- Ticker: CFST
- Exchange: OTCPK
- Founded: 2005
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$75.585m
- Shares outstanding: 3.01m
- Website: https://www.fresnofirstbank.com
Number of Employees
- Communities First Financial Corporation
- 7690 North Palm Avenue
- Suite 101
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CFST||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Mar 2006|
Communities First Financial Corporation operates as the holding company for Fresno First Bank that provides various banking products and services for individuals, professionals, and businesses in Central C ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/09 00:12|
|End of Day Share Price||2020/08/07 00:00|
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.