Market Price

12.16 

0.37 3.1%

as of Jan 22 '21

52 Week Range:

5.66 14.50


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

CrossFirst Bankshares, Inc. operates as the bank holding company for CrossFirst Bank that provides a range of banking and financial services to businesses, business owners, and professionals and its personal networks. The company offers commercial real estate, construction and development, and 1-4 family real estate loans, commercial loans, energy loans, and consumer loans. It also provides a range of deposit products consisting of non-interest-bearing demand deposits and interest-bearing deposits, which include savings accounts, money market accounts, and certificates of deposit; and personal and business checking and savings account, as well as transaction accounts comprising negotiable order of withdrawal accounts; and brokered and reciprocal deposits. In addition, the company offers international banking services; treasury management services; automated teller machine access; and mobile banking services. Further, it holds investments in marketable securities. The company operates branches in Leawood and Wichita, Kansas; Kansas City, Missouri; Oklahoma City and Tulsa, Oklahoma; and Dallas and Frisco, Texas. CrossFirst Bankshares, Inc. was founded in 2007 and is headquartered in Leawood, Kansas.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '17 Dec '18 Dec '19
Equity (BVPS) 11.59
growth rate
Avg.PE 18.79
16.97
growth rate -9.7%
ROA 0.13
0.55
0.63
growth rate 323.1% 14.6%
ROE 1.31
5.04
5.18
growth rate 284.7% 2.8%
Leverage 10.31
8.38
8.20
growth rate -18.7% -2.2%
Balance Sheet Dec '17 Dec '18 Dec '19
Acct.Payable 2,303.36
3,208.10
3,923.76
growth rate 39.3% 22.3%
Cur.Assets 148.54
235.13
216.49
growth rate 58.3% -7.9%
Total Assets 2,961.12
4,107.22
4,931.23
growth rate 38.7% 20.1%
Cash 130.82
216.54
169.32
growth rate 65.5% -21.8%
Inventory 3.62
growth rate
Cur.Liabilities 2,392.76
3,287.51
3,998.17
growth rate 37.4% 21.6%
Liabilities 2,673.97
3,616.88
4,329.59
growth rate 35.3% 19.7%
LT Debt 271.07
313.87
314.66
growth rate 15.8% 0.3%
Equity 287.14
490.32
601.64
growth rate 70.8% 22.7%
Common Shares 46.00
46.00
49.00
growth rate 0.0% 6.5%
Cash Flow Statement Dec '17 Dec '18 Dec '19
Capital Expenditures 16.52
42.83
0.85
growth rate 159.3% -98.0%
Cash Dividends 2.10
2.10
0.70
growth rate 0.0% -66.7%
Cash From OA 22.82
45.85
73.83
growth rate 100.9% 61.0%
FCF per Share 1.36
growth rate
FCF 6.00
3.00
73.00
growth rate -50.0% 2,333.3%
Income Statement Dec '17 Dec '18 Dec '19
Sales 66.50
102.95
120.26
growth rate 54.8% 16.8%
Op.Income 5.98
25.12
35.40
growth rate 319.8% 40.9%
IBT 4.41
17.20
32.61
growth rate 290.1% 89.6%
Net Income 5.85
19.59
28.47
growth rate 234.9% 45.3%
EPS 0.08
0.38
0.58
growth rate 375.0% 52.6%
Gross Profit 66.50
102.95
120.26
growth rate 54.8% 16.8%

Quarterly Statements

Item Name Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Balance Sheet
Acct.Payable 3,658.11
3,923.76
3,972.82
4,304.14
4,492.55
growth rate 7.3% 1.3% 8.3% 4.4%
Cur.Assets 160.24
216.49
207.61
245.57
272.86
growth rate 35.1% -4.1% 18.3% 11.1%
Total Assets 4,651.31
4,931.23
5,067.41
5,462.25
5,505.70
growth rate 6.0% 2.8% 7.8% 0.8%
Cash 109.93
169.32
128.99
163.37
223.64
growth rate 54.0% -23.8% 26.7% 36.9%
Inventory 2.47
3.62
3.62
2.50
2.35
growth rate 46.5% 0.0% -30.9% -6.1%
Cur.Liabilities 3,750.34
3,998.17
4,128.27
4,549.30
4,596.08
growth rate 6.6% 3.3% 10.2% 1.0%
Liabilities 4,048.88
4,329.59
4,455.46
4,854.16
4,887.81
growth rate 6.9% 2.9% 9.0% 0.7%
LT Debt 284.72
314.66
318.61
288.56
277.55
growth rate 10.5% 1.3% -9.4% -3.8%
Equity 602.44
601.64
611.95
608.09
617.88
growth rate -0.1% 1.7% -0.6% 1.6%
Common Shares 0.52
0.52
0.52
0.52
0.52
growth rate 0.0% 0.2% 0.0% 0.0%
Cash Flow Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Capital Expenditures 0.33
0.20
0.33
1.33
3.19
growth rate -38.5% 64.7% 300.9% 140.5%
Cash Dividends 0.53
growth rate
Cash From OA 24.63
19.16
12.67
23.30
17.22
growth rate -22.2% -33.9% 83.9% -26.1%
FCF 24.30
18.96
12.34
21.97
14.03
growth rate -22.0% -34.9% 78.1% -36.2%
Income Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Sales 34.15
20.02
26.37
22.79
32.52
growth rate -41.4% 31.8% -13.6% 42.7%
Op.Income 13.28
-1.10
5.17
1.35
10.62
growth rate -100.0% 100.0% -73.8% 685.5%
IBT 12.98
-1.87
4.15
-8.22
9.50
growth rate -100.0% 100.0% -100.0% 100.0%
Net Income 10.38
-0.70
3.86
-7.36
8.01
growth rate -100.0% 100.0% -100.0% 100.0%
Gross Profit 34.15
20.02
26.37
22.79
32.52
growth rate -41.4% 31.8% -13.6% 42.7%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

F (0.00)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 14.65 14.65 9.81
EPS / Growth 0.83

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 33.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 33.7% 33.7% 33.7%
Future PE 9.81 13.04 30.63
Future EPS 15.17 15.17 15.17
Value Price
MOS %
36.78
202.4%
48.89
302.0%
114.88
844.7%
MOS Price 18.39 24.44 57.44
IRT 5.29 5.29 5.29

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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