CrossFirst Bankshares Financials

CFB Stock  USD 17.51  0.28  1.63%   
Based on the key indicators related to CrossFirst Bankshares' liquidity, profitability, solvency, and operating efficiency, CrossFirst Bankshares is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December. At present, CrossFirst Bankshares' Total Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Retained Earnings is expected to grow to about 286 M, whereas Total Assets are forecasted to decline to about 5.9 B. Key indicators impacting CrossFirst Bankshares' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.270.2886
Notably Down
Slightly volatile
Return On Assets0.00550.009
Way Down
Slightly volatile
Return On Equity0.0510.0941
Way Down
Slightly volatile
Debt Equity Ratio0.00560.0059
Notably Down
Slightly volatile
Operating Income72.1 M84.1 M
Fairly Down
Slightly volatile
Current Ratio0.10.1061
Notably Down
Slightly volatile
Investors should never underestimate CrossFirst Bankshares' ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor CrossFirst Bankshares' cash flow, debt, and profitability to make informed and accurate decisions about investing in CrossFirst Bankshares.

Net Income

43.42 Million

  
Understanding current and past CrossFirst Bankshares Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of CrossFirst Bankshares' financial statements are interrelated, with each one affecting the others. For example, an increase in CrossFirst Bankshares' assets may result in an increase in income on the income statement.
Please note, the presentation of CrossFirst Bankshares' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, CrossFirst Bankshares' management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of CrossFirst Bankshares' management manipulating its earnings.

CrossFirst Bankshares Stock Summary

CrossFirst Bankshares competes with Home Bancorp, Great Southern, Finward Bancorp, Community West, and First Capital. CrossFirst Bankshares, Inc. operates as the bank holding company for CrossFirst Bank that provides various banking and financial services to businesses, business owners, professionals, and its personal networks. CrossFirst Bankshares, Inc. was founded in 2007 and is headquartered in Leawood, Kansas. Crossfirst Bankshares operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 360 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS22766M1099
CUSIP22766M109
LocationKansas; U.S.A
Business Address11440 Tomahawk Creek
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websiteinvestors.crossfirstbankshares.com
Phone913 901 4516
CurrencyUSD - US Dollar

CrossFirst Bankshares Key Financial Ratios

CrossFirst Bankshares Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets4.9B5.7B5.6B6.6B7.4B5.9B
Other Current Liab(31.2M)(68.7M)(32.7M)(92.6M)(98.6M)(93.6M)
Other Liab16.8M17.1M19.5M31.6M36.3M20.3M
Net Tangible Assets594.0M624.2M667.4M579.5M666.4M591.6M
Net Debt172.3M(114.7M)(245.1M)(41.6M)(133.5M)(126.8M)
Retained Earnings76.7M77.7M147.1M206.1M272.4M286.0M
Accounts Payable31.2M43.8M32.7M87.6M94.4M50.5M
Cash187.3M408.8M482.7M300.1M234.0M308.1M
Other Assets3.2B3.9B3.6B5.5B(47.8M)(45.5M)
Long Term Debt359.7M294.1M237.6M253.6M86.8M82.5M
Net Receivables15.7M17.2M16.0M29.5M37.3M22.3M
Inventory(206.7M)(428.4M)(499.9M)(330.8M)217.9M228.8M
Other Current Assets206.7M428.4M499.9M330.8M292.5M277.9M
Total Liab4.3B5.0B5.0B6.0B6.7B5.2B
Net Invested Capital961.3M918.5M905.2M862.2M795.0M919.8M
Total Current Assets944.7M1.1B1.2B330.7M292.5M277.9M
Short Term Debt59.9M18.8M21.5M5M4.1M3.9M
Intangible Assets297K208K130K16.2M17.2M18.1M
Common Stock520K523K526K530K533K532.7K

CrossFirst Bankshares Key Income Statement Accounts

201920202021202220232024 (projected)
Tax Provision4.1M2.7M17.6M16.0M16.2M8.3M
Net Interest Income140.4M159.3M168.0M192.8M221.9M167.5M
Interest Income215.1M202.5M192.5M247.8M399.7M237.4M
Interest Expense74.8M43.2M24.5M55.0M210.3M220.8M
Total Revenue150.6M172.0M182.4M77K231.0M146.6M
Gross Profit150.6M172.0M182.4M77K231.0M146.6M
Operating Income48.6M15.3M87.0M132.6M84.1M72.1M
Ebit48.6M15.3M87.0M77.6M84.1M63.4M
Ebitda50.3M20.6M92.2M82.9M93.6M68.9M
Income Before Tax48.6M15.3M87.0M77.6M84.1M52.5M
Net Income40.6M12.6M69.4M61.6M66.7M43.4M
Income Tax Expense8.1M2.7M17.6M16.0M17.4M9.1M

CrossFirst Bankshares Key Cash Accounts

201920202021202220232024 (projected)
Investments(861.9M)(544.6M)(101.4M)(619.9M)(655.8M)(688.6M)
Change In Cash(29.2M)221.5M73.9M(182.6M)(44.9M)(42.7M)
Net Borrowings(14.7M)(78.3M)(59.6M)(4.1M)(3.7M)(3.5M)
Free Cash Flow73.0M74.4M87.2M77.8M90.4M64.7M
Depreciation5.3M5.3M5.3M5.3M9.5M6.0M
Other Non Cash Items31.7M66.9M3.4M13.1M13.8M18.3M
Dividends Paid700K896.5M13.3M0.0413K392.4K
Capital Expenditures850K6.1M1.2M2.6M9.0M9.0M
Net Income28.5M12.6M69.4M61.6M66.7M41.5M
End Period Cash Flow187.3M408.8M482.7M300.1M255.2M311.4M
Change To Netincome33.0M66.0M10.7M15.6M17.9M29.2M

CrossFirst Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining CrossFirst Bankshares's current stock value. Our valuation model uses many indicators to compare CrossFirst Bankshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across CrossFirst Bankshares competition to find correlations between indicators driving CrossFirst Bankshares's intrinsic value. More Info.
CrossFirst Bankshares is rated fourth in return on equity category among its peers. It is rated fifth in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for CrossFirst Bankshares is roughly  10.38 . At present, CrossFirst Bankshares' Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the CrossFirst Bankshares' earnings, one of the primary drivers of an investment's value.

CrossFirst Bankshares Systematic Risk

CrossFirst Bankshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. CrossFirst Bankshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on CrossFirst Bankshares correlated with the market. If Beta is less than 0 CrossFirst Bankshares generally moves in the opposite direction as compared to the market. If CrossFirst Bankshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one CrossFirst Bankshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of CrossFirst Bankshares is generally in the same direction as the market. If Beta > 1 CrossFirst Bankshares moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in CrossFirst Bankshares Stock are looking for potential investment opportunities by analyzing not only static indicators but also various CrossFirst Bankshares' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of CrossFirst Bankshares growth as a starting point in their analysis.

Price Earnings To Growth Ratio

1.18

At present, CrossFirst Bankshares' Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

CrossFirst Bankshares November 22, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of CrossFirst Bankshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of CrossFirst Bankshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of CrossFirst Bankshares based on widely used predictive technical indicators. In general, we focus on analyzing CrossFirst Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build CrossFirst Bankshares's daily price indicators and compare them against related drivers.

Complementary Tools for CrossFirst Stock analysis

When running CrossFirst Bankshares' price analysis, check to measure CrossFirst Bankshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CrossFirst Bankshares is operating at the current time. Most of CrossFirst Bankshares' value examination focuses on studying past and present price action to predict the probability of CrossFirst Bankshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CrossFirst Bankshares' price. Additionally, you may evaluate how the addition of CrossFirst Bankshares to your portfolios can decrease your overall portfolio volatility.
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