Communities First Financial Analysis
Communities First's financial leverage is the degree to which the firm utilizes its fixed-income securities and uses equity to finance projects. Companies with high leverage are usually considered to be at financial risk. Communities First's financial risk is the risk to Communities First stockholders that is caused by an increase in debt. In other words, with a high degree of financial leverage come high-interest payments, which usually reduce Earnings Per Share (EPS).
Given that Communities First's debt-to-equity ratio measures a OTC Stock's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which Communities First is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of Communities First to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, Communities First is said to be less leveraged. If creditors hold a majority of Communities First's assets, the OTC Stock is said to be highly leveraged.
Communities First Financial is undervalued with Real Value of 0.0 and Hype Value of 0.0. The main objective of Communities First otc analysis is to determine its intrinsic value, which is an estimate of what Communities First Financial is worth, separate from its market price. There are two main types of Communities First's stock analysis: fundamental analysis and technical analysis.
The Communities First otc stock is traded in the USA on OTCQX Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA.
Communities |
Communities OTC Stock Analysis Notes
The book value of the company was currently reported as 29.41. The company recorded earning per share (EPS) of 7.76. Communities First last dividend was issued on the 30th of June 2010. The entity had 105:100 split on the 15th of November 2013. Communities First Financial Corporation operates as the bank holding company for Fresno First Bank that provides various banking products and services for individuals and small and middle-market businesses in California. Communities First Financial Corporation was founded in 2005 and is headquartered in Fresno, California. Communities First operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 99 people.The quote for Communities First Financial is listed on Over The Counter exchange (i.e., OTC), and the entity is not required to meet listing requirements such as those found on the Nasdaq, NYSE, or AMEX exchanges. For more info on Communities First Financial please contact Steven Miller at 559 439 0200 or go to https://www.fresnofirstbank.com.Communities First Investment Alerts
| Communities First is not yet fully synchronised with the market data | |
| Communities First has some characteristics of a very speculative penny stock | |
| Communities First has a very high chance of going through financial distress in the upcoming years |
Communities Market Capitalization
The company currently falls under 'Small-Cap' category with a current market capitalization of 220.56 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Communities First's market, we take the total number of its shares issued and multiply it by Communities First's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities.Communities Profitablity
Communities First's profitability indicators refer to fundamental financial ratios that showcase Communities First's ability to generate income relative to its revenue or operating costs. If, let's say, Communities First is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, Communities First's executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of Communities First's profitability requires more research than a typical breakdown of Communities First's financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.
The company has Profit Margin (PM) of 0.43 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.59 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.59. Communities First Outstanding Bonds
Communities First issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Communities First uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Communities bonds can be classified according to their maturity, which is the date when Communities First Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Communities First Debt to Cash Allocation
Communities First Financial currently holds 39.28 M in liabilities. Debt can assist Communities First until it has trouble settling it off, either with new capital or with free cash flow. So, Communities First's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Communities First sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Communities to invest in growth at high rates of return. When we think about Communities First's use of debt, we should always consider it together with cash and equity.Communities First Assets Financed by Debt
Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Communities First's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Communities First, which in turn will lower the firm's financial flexibility.Communities First Corporate Bonds Issued
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Other Consideration for investing in Communities OTC Stock
If you are still planning to invest in Communities First check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the Communities First's history and understand the potential risks before investing.
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