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Communities First Financial Corporation CFST OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Communities First Financial Corporation (CFST) is a Banks - Regional company in the Financial Services sector, currently trading at $67.95. It has a SharesGrow Score of 86/100, indicating a strong investment profile with 5 out of 7 criteria passed.

Financials: revenue is $61M, +33.1%/yr average growth. Net income is $27M, growing at +44.2%/yr. Net profit margin is 43.2% (strong). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $104M against $92M equity (Debt-to-Equity (D/E) ratio 1.13, moderate). Current ratio is 26.32 (strong liquidity). Debt-to-assets is 8.1%. Total assets: $1.3B.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 100/100 (Pass), Past 100/100 (Pass), Health 83/100 (Pass), Moat 46/100 (Partial), Future ?/100 (Fail), Income 100/100 (Pass).

CFST SharesGrow Score Overview

88/100

SharesGrow Score

Strong investment profile

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 100/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 83/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 46/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 100/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — CFST

CFST trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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CFST: +33.1%/yr revenue is, +44.2%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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CFST: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet CFST: Debt-to-Equity (D/E) ratio 1.13 (moderate), Current ratio is 26.32 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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CFST: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 46/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

CFST: Net profit margin is 43.2%. strong (≥30%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range52.02-73.0

Volume910

Avg Volume (30D)1.79K

Market Cap$215.4M

Beta (1Y)0.55

Share Statistics

EPS (TTM)8.51

Shares Outstanding$3.12M

IPO Date2007-05-07

Employees119

CEOSteven Kenneth Miller

Financial Highlights & Ratios

Revenue (TTM)$61.43M

Gross Profit$61.43M

EBITDA$39.32M

Net Income$26.52M

Operating Income$39.13M

Total Cash$400.32M

Total Debt$104.44M

Net Debt$44.48M

Total Assets$1.29B

Price / Earnings (P/E)8

Price / Sales (P/S)3.51

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS20344D1046

Price Chart

CFST

Communities First Financial Corporation ↗ · Other OTC

Financial Services • Banks - Regional

52.02 52WK RANGE 73.00

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