OTCPK:CFSU

Stock Analysis Report

Complete Financial Solutions

Executive Summary

Complete Financial Solutions, Inc., through its subsidiaries, operates as financial services company in the United States.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

CFSU

2.1%

US Mortgage

2.3%

US Market


1 Year Return

-79.8%

CFSU

12.0%

US Mortgage

5.6%

US Market

Return vs Industry: CFSU underperformed the US Mortgage industry which returned 12% over the past year.

Return vs Market: CFSU underperformed the US Market which returned 5.6% over the past year.


Shareholder returns

CFSUIndustryMarket
7 Day0%2.1%2.3%
30 Day-55.3%-0.4%-1.0%
90 Dayn/a3.0%-0.7%
1 Year-79.8%-79.8%14.4%12.0%7.9%5.6%
3 Year-91.5%-91.5%39.1%29.7%45.6%36.3%
5 Year-96.6%-96.6%70.4%52.4%65.8%47.6%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Complete Financial Solutions undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether Complete Financial Solutions is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Complete Financial Solutions has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of CFSU’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Complete Financial Solutions regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Complete Financial Solutions forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

10.3%

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 Complete Financial Solutions 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.


Next Steps

  • Take a look at our analysis of CFSU’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • 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 Complete Financial Solutions's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Complete Financial Solutions performed over the past 5 years?

15.9%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Complete Financial Solutions has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Complete Financial Solutions's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Complete Financial Solutions's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Complete Financial Solutions has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of CFSU’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. 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.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Complete Financial Solutions's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

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


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage2.8%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

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

High Dividend: Unable to evaluate CFSU'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 CFSU's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CFSU'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 CFSU'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 Complete Financial Solutions's salary, the management and board of directors tenure and is there insider trading?


CEO

Allen Ringer (74yo)

0yrs

Tenure

0

Mr. Allen C. Ringer founded Complete Financial Solutions, Inc. in 2007 and serves as its Chairman and Chief Executive Officer. Mr. Ringer served as Senior Advisor of Complete Financial Solutions Inc. since ...


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

  • Allen Ringer (74yo)

    Chairman & CEO

    • Tenure: 0yrs
  • Tim Moody (60yo)

    President

    • Tenure: 2.3yrs
  • Mark Brewer

    Head of Commercial Lending and Corporate Acquisitions

    • Tenure: 0yrs
  • Sam Ringer (57yo)

    Accounting Manager

    • Tenure: 0yrs

Board Members

  • Allen Ringer (74yo)

    Chairman & CEO

    • Tenure: 0yrs

Company Information

Complete Financial Solutions, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Complete Financial Solutions, Inc.
  • Ticker: CFSU
  • Exchange: OTCPK
  • Founded: 2003
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$424.330k
  • Shares outstanding: 49.92m
  • Website: https://www.cfsi.biz

Location

  • Complete Financial Solutions, Inc.
  • 113 East Magnesium Road
  • Unit D
  • Spokane
  • Washington
  • 99208
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CFSUOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 2007

Biography

Complete Financial Solutions, Inc., through its subsidiaries, operates as financial services company in the United States. The company originates, processes, closes, and funds mortgages applications; and o ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/17 00:01
End of Day Share Price2019/10/03 00:00
Earnings2012/09/30
Annual Earnings2011/12/31


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.