OTCPK:CMYF

Stock Analysis Report

Executive Summary

Community 1st Bank provides various banking products and services for individuals and businesses in Ohio.

Snowflake

Fundamentals

Acceptable track record and overvalued.

Risks

  • Community 1st Bank is not covered by any analysts.

Share Price & News

How has Community 1st Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.1%

OTCPK:CMYF

-1.8%

US Banks

-1.6%

US Market


1 Year Return

6.2%

OTCPK:CMYF

-16.1%

US Banks

-3.0%

US Market

CMYF outperformed the Banks industry which returned -5.5% over the past year.

CMYF underperformed the Market in United States of America which returned 9.6% over the past year.


Share holder returns

CMYFIndustryMarket
7 Day0.1%-1.8%-1.6%
30 Day-2.1%-10.1%-5.7%
90 Day8.4%-5.0%0.2%
1 Year6.2%6.2%-13.7%-16.1%-0.8%-3.0%
3 Year59.3%59.3%37.9%28.5%38.1%29.1%
5 Year18.0%18.0%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Community 1st Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Community 1st Bank undervalued based on future cash flows and its price relative to the stock market?

16.4x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Community 1st Bank to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Community 1st Bank to establish if it is available at substantial discount.


Price Based on Earnings

Community 1st Bank is overvalued based on earnings compared to the US Banks industry average.

Community 1st Bank 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 Community 1st Bank, we can't assess if its growth is good value.


Price Based on Value of Assets

Unable to compare the PB ratio to the industry average as no data exists.


Next Steps

Future Growth

How is Community 1st Bank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

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 Community 1st Bank 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

Past Performance

How has Community 1st Bank performed over the past 5 years?

18.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Community 1st Bank's year on year earnings growth rate has been positive over the past 5 years.

Community 1st Bank's 1-year earnings growth exceeds its 5-year average (57.7% vs 18.1%)

Community 1st Bank's earnings growth has exceeded the US Banks industry average in the past year (57.7% vs 44.4%).


Return on Equity

Unable to establish if Community 1st Bank has efficiently used shareholders’ funds last year as no Return on Equity data is available.


Return on Assets

Unable to establish if Community 1st Bank has efficiently used its assets last year compared to the US Banks industry average (Return on Assets) as past financial data has not been reported.


Return on Capital Employed

Unable to establish if Community 1st Bank 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 Community 1st Bank's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Community 1st Bank'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. Community 1st Bank 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 CMYF’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 Community 1st Bank's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Community 1st Bank's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Community 1st Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Community 1st Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Community 1st Bank has not reported any payouts.

Unable to verify if Community 1st Bank's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Community 1st Bank 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 Community 1st Bank's salary, the management and board of directors tenure and is there insider trading?

11.8yrs

Average board tenure


CEO

Dave Bobbitt (70yo)

11.8yrs

Tenure

0

Mr. David P. Bobbitt serves as Chairman and CEO of Community 1st Bank in Post Falls, Idaho. Mr. Bobbitt served as the President and Chief Production Officer of Sterling Savings Bank, a subsidiary of Sterli ...


Board Age and Tenure

11.8yrs

Average Tenure

69.5yo

Average Age

The average tenure for the Community 1st Bank board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month insider trading information.


Ownership Breakdown


Management Team

  • Dave Bobbitt (70yo)

    Chairman & CEO

    • Tenure: 11.8yrs
  • Jerry Lyon (61yo)

    President & COO

    • Tenure: 11.8yrs
  • Nicole Montgomery

    Executive VP & CFO

    • Tenure: 0.0yrs
  • Don Maryon

    Chief Credit Officer & Executive VP

    • Tenure: 0.0yrs

Board Members

  • Dave Bobbitt (70yo)

    Chairman & CEO

    • Tenure: 11.8yrs
  • Bill Basom (73yo)

    Director

    • Tenure: 11.8yrs
  • David Holloway (57yo)

    Director

    • Tenure: 0.0yrs
  • Gary Schneidmiller (69yo)

    Director

    • Tenure: 0.0yrs
  • Jerry Lyon (61yo)

    President & COO

    • Tenure: 11.8yrs
  • Cydnie Lemphsis

    Director

    • Tenure: 0.0yrs
  • Jack Tibesar (74yo)

    Director

    • Tenure: 0.0yrs

Company Information

Community 1st Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Community 1st Bank
  • Ticker: CMYF
  • Exchange: OTCPK
  • Founded:
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$18.349m
  • Shares outstanding: 1.21m
  • Website: https://www.com1stbankid.com

Location

  • Community 1st Bank
  • 707 North Post Street
  • Post Falls
  • Idaho
  • 83854
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CMYFOTCPK (Pink Sheets LLC)YesCommon StockUSUSDSep 2007

Biography

Community 1st Bank provides various banking products and services for individuals and businesses in Ohio. It offers business checking accounts, merchant services, regular business savings accounts, busines ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/04/09 04:10
End of Day Share Price2019/04/03 00:00
Earnings2018/09/30
Annual Earnings2017/12/31


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.