CCSB Financial Corp. Logo

CCSB Financial Corp.

CCFC

(1.5)
Stock Price

12,00 USD

-0.99% ROA

-2.29% ROE

-44.37x PER

Market Cap.

11.554.200,00 USD

274.87% DER

0% Yield

-3.36% NPM

CCSB Financial Corp. Stock Analysis

CCSB Financial Corp. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

CCSB Financial Corp. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.76x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

3 ROE

The stock's ROE falls within an average range (0.8%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.12%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 DER

The company has a high debt to equity ratio (103%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

6 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

7 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

8 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Buffet Intrinsic Value

The company's stock appears overvalued (-591) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

CCSB Financial Corp. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

CCSB Financial Corp. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Buy

CCSB Financial Corp. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

CCSB Financial Corp. Revenue
Year Revenue Growth
2003 2.938.023
2004 2.985.928 1.6%
2005 3.223.086 7.36%
2006 3.217.000 -0.19%
2013 3.910.040 17.72%
2014 3.630.242 -7.71%
2015 3.427.015 -5.93%
2016 3.475.004 1.38%
2017 3.750.939 7.36%
2018 4.221.685 11.15%
2019 4.933.353 14.43%
2020 4.904.721 -0.58%
2021 4.771.138 -2.8%
2022 5.004.138 4.66%
2023 5.959.568 16.03%
2024 6.414.840 7.1%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

CCSB Financial Corp. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

CCSB Financial Corp. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 1.486.739
2004 1.752.816 15.18%
2005 1.794.944 2.35%
2006 1.800.116 0.29%
2013 587.159 -206.58%
2014 490.619 -19.68%
2015 413.455 -18.66%
2016 401.468 -2.99%
2017 396.497 -1.25%
2018 470.877 15.8%
2019 505.676 6.88%
2020 229.003 -120.82%
2021 164.571 -39.15%
2022 180.178 8.66%
2023 225.286 20.02%
2024 276.016 18.38%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

CCSB Financial Corp. EBITDA
Year EBITDA Growth
2003 631.623
2004 371.567 -69.99%
2005 484.779 23.35%
2006 398.064 -21.78%
2013 -328.453 221.19%
2014 -323.344 -1.58%
2015 -123.420 -161.99%
2016 -76.378 -61.59%
2017 -50.490 -51.27%
2018 -70.241 28.12%
2019 -59.573 -17.91%
2020 202.364 129.44%
2021 -133.061 252.08%
2022 -159.591 16.62%
2023 -58.191 -174.25%
2024 192.644 130.21%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

CCSB Financial Corp. Gross Profit
Year Gross Profit Growth
2003 2.938.023
2004 2.985.928 1.6%
2005 3.223.086 7.36%
2006 3.217.000 -0.19%
2013 3.910.040 17.72%
2014 3.630.242 -7.71%
2015 3.427.015 -5.93%
2016 3.475.004 1.38%
2017 3.750.939 7.36%
2018 4.221.685 11.15%
2019 4.933.353 14.43%
2020 4.904.721 -0.58%
2021 4.771.138 -2.8%
2022 5.004.138 4.66%
2023 5.959.568 16.03%
2024 6.414.840 7.1%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

CCSB Financial Corp. Net Profit
Year Net Profit Growth
2003 157.084
2004 -13.498 1263.76%
2005 112.952 111.95%
2006 87.456 -29.15%
2013 104.034 15.94%
2014 197.124 47.22%
2015 61.479 -220.64%
2016 157.154 60.88%
2017 313.352 49.85%
2018 379.699 17.47%
2019 659.470 42.42%
2020 622.442 -5.95%
2021 374.181 -66.35%
2022 328.140 -14.03%
2023 -185.240 277.14%
2024 -154.568 -19.84%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

CCSB Financial Corp. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 0 0%
2023 0 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

CCSB Financial Corp. Free Cashflow
Year Free Cashflow Growth
2003 1.108.895
2004 322.112 -244.26%
2005 -58.566 650%
2006 -1.105.439 94.7%
2013 1.077.830 202.56%
2014 -339.715 417.27%
2015 -48.009 -607.61%
2016 52.797 190.93%
2017 305.601 82.72%
2018 133.191 -129.45%
2019 1.207.670 88.97%
2020 -386.563 412.41%
2021 6.022 6519.18%
2022 524.577 98.85%
2023 -499.125 205.1%
2024 -138.547 -260.26%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

CCSB Financial Corp. Operating Cashflow
Year Operating Cashflow Growth
2003 1.249.089
2004 435.062 -187.11%
2005 938.615 53.65%
2006 -766.714 222.42%
2013 1.106.892 169.27%
2014 -339.715 425.83%
2015 15.965 2227.87%
2016 106.523 85.01%
2017 359.494 70.37%
2018 175.320 -105.05%
2019 1.305.636 86.57%
2020 -183.935 809.84%
2021 21.825 942.77%
2022 921.808 97.63%
2023 -452.850 303.56%
2024 -125.786 -260.02%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

CCSB Financial Corp. Capital Expenditure
Year Capital Expenditure Growth
2003 140.194
2004 112.950 -24.12%
2005 997.181 88.67%
2006 338.725 -194.39%
2013 29.062 -1065.53%
2014 0 0%
2015 63.974 100%
2016 53.726 -19.07%
2017 53.893 0.31%
2018 42.129 -27.92%
2019 97.966 57%
2020 202.628 51.65%
2021 15.803 -1182.21%
2022 397.231 96.02%
2023 46.275 -758.41%
2024 12.761 -262.63%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

CCSB Financial Corp. Equity
Year Equity Growth
2003 15.041.714
2004 14.377.619 -4.62%
2005 13.948.632 -3.08%
2006 13.991.073 0.3%
2013 10.102.304 -38.49%
2014 10.413.554 2.99%
2015 10.565.340 1.44%
2016 10.523.656 -0.4%
2017 10.668.195 1.35%
2018 10.717.507 0.46%
2019 11.091.010 3.37%
2020 11.474.098 3.34%
2021 11.552.864 0.68%
2022 9.040.642 -27.79%
2023 8.816.168 -2.55%
2024 9.502.688 7.22%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

CCSB Financial Corp. Assets
Year Assets Growth
2003 85.471.333
2004 89.029.449 4%
2005 94.895.452 6.18%
2006 93.723.333 -1.25%
2013 92.550.225 -1.27%
2014 87.113.761 -6.24%
2015 88.667.156 1.75%
2016 93.615.899 5.29%
2017 96.163.035 2.65%
2018 112.155.111 14.26%
2019 111.563.896 -0.53%
2020 128.569.786 13.23%
2021 151.585.581 15.18%
2022 151.301.005 -0.19%
2023 155.284.061 2.57%
2024 150.456.312 -3.21%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

CCSB Financial Corp. Liabilities
Year Liabilities Growth
2003 5.140.757
2004 74.651.830 93.11%
2005 80.946.820 7.78%
2006 79.732.260 -1.52%
2013 82.447.921 3.29%
2014 76.700.207 -7.49%
2015 78.101.816 1.79%
2016 83.092.243 6.01%
2017 85.494.840 2.81%
2018 101.437.604 15.72%
2019 100.472.886 -0.96%
2020 117.095.689 14.2%
2021 140.032.717 16.38%
2022 142.260.363 1.57%
2023 146.467.893 2.87%
2024 140.953.624 -3.91%

CCSB Financial Corp. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
8.45
Net Income per Share
-0.28
Price to Earning Ratio
-44.37x
Price To Sales Ratio
1.83x
POCF Ratio
-18.91
PFCF Ratio
-21.6
Price to Book Ratio
0.99
EV to Sales
4.97
EV Over EBITDA
170.03
EV to Operating CashFlow
-63.06
EV to FreeCashFlow
-58.76
Earnings Yield
-0.02
FreeCashFlow Yield
-0.05
Market Cap
0,01 Bil.
Enterprise Value
0,03 Bil.
Graham Number
9.01
Graham NetNet
-189.86

Income Statement Metrics

Net Income per Share
-0.28
Income Quality
2.35
ROE
-0.02
Return On Assets
-0
Return On Capital Employed
0
Net Income per EBT
0.7
EBT Per Ebit
-3.39
Ebit per Revenue
0.01
Effective Tax Rate
0.3

Margins

Sales, General, & Administrative to Revenue
0.04
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.01
Pretax Profit Margin
-0.05
Net Profit Margin
-0.03

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
-0.35
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
-0.67
Free CashFlow per Share
-0.71
Capex to Operating CashFlow
-0.07
Capex to Revenue
0.01
Capex to Depreciation
0.2
Return on Invested Capital
0
Return on Tangible Assets
-0.01
Days Sales Outstanding
31.62
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
11.54
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.05

Balance Sheet

Cash per Share
-3,45
Book Value per Share
12,70
Tangible Book Value per Share
-159.78
Shareholders Equity per Share
12.7
Interest Debt per Share
37.72
Debt to Equity
2.75
Debt to Assets
0.17
Net Debt to EBITDA
107.55
Current Ratio
0.14
Tangible Asset Value
-0,12 Bil.
Net Current Asset Value
-0,13 Bil.
Invested Capital
92820207
Working Capital
-0,04 Bil.
Intangibles to Total Assets
0.86
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
1673214.5
Debt to Market Cap
2.26

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

CCSB Financial Corp. Dividends
Year Dividends Growth
2017 0
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

CCSB Financial Corp. Profile

About CCSB Financial Corp.

CCSB Financial Corp. operates as a financial holding company for Clay County Savings Bank that provides a range of banking and financial services to individual and corporate customers in the northern part of metropolitan Kansas City, Missouri. It offers personal banking products and services, including checking, statement savings, money market, health savings, kids adventure club, and individual retirement accounts, as well as certificates of deposit; and home loans, home equity line of credit, closed-end home equity, and auto loans. The company also provides business banking products and services, such business money market and sweep accounts; investment property loans, small business loans, construction loans, and commercial and business loans; and merchant services. In addition, it offers debit and credit cards, and online banking services, as well as ATM, notary, and signature guarantee services. The company has bank locations in Liberty, Kearney, and Kansas City, as well as provides access to approximately 4,200 ATMs. CCSB Financial Corp. was founded in 1922 and is based in Liberty, Missouri.

CEO
Ms. Pamela L. Crow
Employee
0
Address
1178 West Kansas Street
Liberty, 64069-0277

CCSB Financial Corp. Executives & BODs

CCSB Financial Corp. Executives & BODs
# Name Age
1 Ms. Cristina Johnson
Vice President
70
2 Ms. Pamela L. Crow
Vice President & Compliance Officer/Internal Auditor
70
3 Ms. Deborah A. Jones
Executive Vice President & Corporate Secretary
70
4 Ms. Jacqueline E. Murtha
Senior Vice President
70

CCSB Financial Corp. Competitors