Market cap
$789 Mln
Revenue (TTM)
$443 Mln
P/E Ratio
10.3
P/B Ratio
1
Div. Yield
0 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | -47.84 | 9.85 | 140.37 | 35.33 | 25.05 |
| EBIT | -0.08 | 25.26 | -49.05 | -9.04 | -8.80 |
| Net Profit | 5.51 | 16.52 | 21.62 | 9.35 | 13.42 |
| EPS | 5.51 | 14.19 | 20.24 | 11.07 | -- |
| Book Value | -- | -- | 18.73 | 7.05 | -- |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-23 | Dec-22 |
| EBIT-Margin
| 33,608.99 | 20,173.63 | 16.50 | 36.41 | 100,742.86 |
| Net Margin
| -- | -- | 16.75 | -- | -- |
| Return on equity
| 10.18 | 7.98 | 9.97 | 10.13 | 9.65 |
| Return on Capital
| 7.53 | 5.70 | -- | 8.02 | 6.95 |
| Return on Assets
| 1.06 | 0.87 | 0.90 | 0.95 | 1.01 |
| Debt to Equity (x)
| -- | -- | 0.10 | 0.12 | 0.42 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
--
|
8.02
|
6.95
|
7.61
|
1.33
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
9.97
Higher than Peers by 0.11
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
9.97
|
10.13
|
9.65
|
10.75
|
2.04
|
|
Peer Median
|
9.87
|
--
|
--
|
--
|
--
|
ROA
0.90
Lower than Peers by 0.06
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
0.90
|
0.95
|
1.01
|
1.23
|
0.24
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
16.50
Lower than Peers by 4.30
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
16.50
|
36.41
|
100,742.86
|
47.69
|
8.90
|
|
Peer Median
|
20.79
|
--
|
--
|
--
|
--
|
Net Margin
16.75
Lower than Peers by 3.28
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
16.75
|
28.86
|
79,998.70
|
38.07
|
7.33
|
|
Peer Median
|
20.03
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
140.37
Higher than Peers by 129.26
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
140.37
|
2,999.21
|
-1.00
|
0.06
|
0.14
|
|
Peer Median
|
11.10
|
--
|
--
|
--
|
--
|
EBIT Growth
-49.05
Lower than Peers by 37.55
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
-49.05
|
8.43
|
-10.80
|
467.91
|
-68.50
|
|
Peer Median
|
-11.50
|
--
|
--
|
--
|
--
|
Net Profit Growth
21.62
Higher than Peers by 14.35
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
21.62
|
8.23
|
-11.26
|
450.85
|
-68.93
|
|
Peer Median
|
7.27
|
--
|
--
|
--
|
--
|
EPS Growth
20.24
Higher than Peers by 14.45
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
20.24
|
0.10
|
-0.08
|
4.61
|
-0.71
|
|
Peer Median
|
5.78
|
--
|
--
|
--
|
--
|
Book Value Growth
17.61
Higher than Peers by 8.84
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
17.61
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.77
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.10
Lower than Peers by 0.11
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
0.10
|
0.12
|
0.42
|
0.36
|
0.47
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.01
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
0.01
|
0.01
|
0.01
|
0.03
|
0.03
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.26
Lower than Peers by 0.05
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
0.26
|
0.09
|
3.57
|
38.09
|
24.69
|
|
Peer Median
|
0.31
|
--
|
--
|
--
|
--
|
Quick Ratio
0.52
Higher than Peers by 0.16
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
0.52
|
0.01
|
7.14
|
53.39
|
34.48
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
1.71
Lower than Peers by 0.04
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
1.71
|
0.40
|
1.41
|
3.56
|
0.35
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
8.92
Higher than Peers by 2.02
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
8.92
|
16.14
|
38,320.78
|
8.79
|
10.02
|
|
Peer Median
|
6.90
|
--
|
--
|
--
|
--
|
Asset Turnover
0.05
Higher than Peers by 0.01
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
0.05
|
0.03
|
0.00
|
0.03
|
0.03
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
--
|
52.81
|
107,985.93
|
33.31
|
34.99
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
--
|
41,800.01
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
--
|
-67,431.60
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
--
|
109,284.41
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
10.25
Lower than Peers by 2.54
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
10.25
|
9.98
|
10.07
|
11.69
|
45.21
|
|
Peer Median
|
12.79
|
--
|
--
|
--
|
--
|
Price / Book Value
1.02
Lower than Peers by 0.30
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
1.02
|
0.94
|
1.02
|
1.22
|
0.91
|
|
Peer Median
|
1.32
|
--
|
--
|
--
|
--
|
Dividend Yield
--
--
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.48
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
--
|
5.48
|
-1.30
|
-1.94
|
-9.70
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
789
Higher than Peers by 475
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
CrossFirst Bankshares (CFB)
|
789
|
--
|
--
|
--
|
--
|
|
Peer Median
|
314
|
--
|
--
|
--
|
--
|