Community First Bancorporation Logo

Community First Bancorporation

CFOK

(2.0)
Stock Price

8,00 USD

0% ROA

7.99% ROE

10.89x PER

Market Cap.

44.117.440,00 USD

0% DER

0% Yield

15.99% NPM

Community First Bancorporation Stock Analysis

Community First Bancorporation 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.

Community First Bancorporation Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.74x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (0%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 ROE

The stock's ROE falls within an average range (4.59%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.33%) 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 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

6 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (43) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

7 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.

8 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

9 Assets 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.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

Community First Bancorporation 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.

Community First Bancorporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Community First Bancorporation 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.

Community First Bancorporation Revenue
Year Revenue Growth
1996 564.984
1997 837.198 32.51%
1998 788.218 -6.21%
1999 962.028 18.07%
2000 5.884.846 83.65%
2001 6.778.201 13.18%
2002 9.277.541 26.94%
2003 9.607.727 3.44%
2004 10.925.103 12.06%
2005 11.440.966 4.51%
2006 11.368.496 -0.64%
2007 12.553.777 9.44%
2008 14.212.253 11.67%
2009 14.785.610 3.88%
2010 15.850.039 6.72%
2011 16.236.172 2.38%
2012 12.789 -126854.2%
2014 11.139.000 99.89%
2015 12.997.000 14.3%
2016 13.444.000 3.32%
2017 15.704.000 14.39%
2018 17.508.000 10.3%
2019 19.892.000 11.98%
2020 22.745.000 12.54%
2021 32.953.000 30.98%
2022 31.581.000 -4.34%
2023 25.780.000 -22.5%
2023 36.267.000 28.92%
2024 23.288.000 -55.73%

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.

Community First Bancorporation Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 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%
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.

Community First Bancorporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 858.916
1997 1.008.265 14.81%
1998 1.138.752 11.46%
1999 1.378.965 17.42%
2000 1.559.219 11.56%
2001 1.753.074 11.06%
2002 2.055.809 14.73%
2003 2.420.268 15.06%
2004 2.779.863 12.94%
2005 2.902.693 4.23%
2006 3.647.451 20.42%
2007 4.120.766 11.49%
2008 4.537.173 9.18%
2009 6.051.777 25.03%
2010 6.449.510 6.17%
2011 6.248.476 -3.22%
2012 6.129 -101849.36%
2014 1.461.000 99.58%
2015 1.151.000 -26.93%
2016 2.226.000 48.29%
2017 3.098.000 28.15%
2018 2.204.000 -40.56%
2019 2.159.000 -2.08%
2020 11.817.000 81.73%
2021 17.589.000 32.82%
2022 15.851.000 -10.96%
2023 0 0%
2023 11.589.000 100%
2024 10.468.007.520 99.89%

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.

Community First Bancorporation EBITDA
Year EBITDA Growth
1996 5.585.470
1997 6.005.866 7%
1998 7.259.769 17.27%
1999 8.392.874 13.5%
2000 9.922.697 15.42%
2001 11.388.370 12.87%
2002 9.202.599 -23.75%
2003 9.937.049 7.39%
2004 10.661.052 6.79%
2005 12.594.145 15.35%
2006 15.086.051 16.52%
2007 18.286.601 17.5%
2008 14.666.739 -24.68%
2009 12.456.674 -17.74%
2010 10.149.499 -22.73%
2011 3.590.988 -182.64%
2012 -9.163 39290.09%
2014 -2.261.000 99.59%
2015 -2.121.000 -6.6%
2016 -613.000 -246%
2017 -470.000 -30.43%
2018 6.959.000 106.75%
2019 -432.000 1710.88%
2020 2.997.000 114.41%
2021 5.291.000 43.36%
2022 12.142.000 56.42%
2023 5.052.000 -140.34%
2023 970.000 -420.82%
2024 1.628.000 40.42%

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.

Community First Bancorporation Gross Profit
Year Gross Profit Growth
1996 564.984
1997 837.198 32.51%
1998 788.218 -6.21%
1999 962.028 18.07%
2000 5.884.846 83.65%
2001 6.778.201 13.18%
2002 9.277.541 26.94%
2003 9.607.727 3.44%
2004 10.925.103 12.06%
2005 11.440.966 4.51%
2006 11.368.496 -0.64%
2007 12.553.777 9.44%
2008 14.212.253 11.67%
2009 14.785.610 3.88%
2010 15.850.039 6.72%
2011 16.236.172 2.38%
2012 12.789 -126854.2%
2014 11.139.000 99.89%
2015 12.997.000 14.3%
2016 13.444.000 3.32%
2017 15.704.000 14.39%
2018 17.508.000 10.3%
2019 19.892.000 11.98%
2020 22.745.000 12.54%
2021 32.953.000 30.98%
2022 31.581.000 -4.34%
2023 25.780.000 -22.5%
2023 26.176.000 1.51%
2024 23.288.000 -12.4%

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.

Community First Bancorporation Net Profit
Year Net Profit Growth
1996 1.152.441
1997 1.405.050 17.98%
1998 1.664.278 15.58%
1999 1.626.298 -2.34%
2000 1.679.252 3.15%
2001 1.905.319 11.87%
2002 2.761.796 31.01%
2003 3.004.969 8.09%
2004 3.436.707 12.56%
2005 3.729.926 7.86%
2006 3.017.969 -23.59%
2007 3.330.712 9.39%
2008 1.342.498 -148.1%
2009 1.100.714 -21.97%
2010 1.112.898 1.09%
2011 -3.422.040 132.52%
2012 -6.792 -50283.39%
2014 -1.845.000 99.63%
2015 218.000 946.33%
2016 924.000 76.41%
2017 887.000 -4.17%
2018 -3.186.000 127.84%
2019 1.142.000 378.98%
2020 1.801.000 36.59%
2021 3.620.000 50.25%
2022 6.436.000 43.75%
2023 3.712.000 -73.38%
2023 4.080.000 9.02%
2024 4.027.996 -1.29%

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.

Community First Bancorporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 1
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 100%
2006 1 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 -1 0%
2012 -2 100%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 -1 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 1 100%
2023 1 0%
2023 1 0%
2024 1 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.

Community First Bancorporation Free Cashflow
Year Free Cashflow Growth
1996 1.084.598
1997 1.561.149 30.53%
1998 776.618 -101.02%
1999 456.097 -70.27%
2000 2.225.790 79.51%
2001 2.082.553 -6.88%
2002 2.645.918 21.29%
2003 4.301.269 38.49%
2004 4.783.174 10.08%
2005 2.211.347 -116.3%
2006 2.448.166 9.67%
2007 3.025.914 19.09%
2008 3.967.067 23.72%
2009 2.866.625 -38.39%
2010 8.299.600 65.46%
2011 8.295.202 -0.05%
2012 1.936 -428371.18%
2012 1.448.000 99.87%
2014 5.291.000 72.63%
2015 3.168.000 -67.01%
2016 2.053.000 -54.31%
2017 2.069.000 0.77%
2018 607.000 -240.86%
2019 355.040 -70.97%
2020 -29.134.000 101.22%
2021 -11.759.000 -147.76%
2022 7.176.000 263.87%
2023 5.077.000 -41.34%
2024 0 0%

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.

Community First Bancorporation Operating Cashflow
Year Operating Cashflow Growth
1996 1.402.311
1997 1.583.919 11.47%
1998 2.122.184 25.36%
1999 2.027.486 -4.67%
2000 2.586.549 21.61%
2001 2.135.253 -21.14%
2002 3.772.754 43.4%
2003 4.852.251 22.25%
2004 4.962.725 2.23%
2005 4.907.103 -1.13%
2006 3.954.884 -24.08%
2007 4.058.375 2.55%
2008 4.417.766 8.14%
2009 3.072.818 -43.77%
2010 8.381.339 63.34%
2011 8.332.177 -0.59%
2012 2.145 -388346.48%
2012 1.545.000 99.86%
2014 5.622.000 72.52%
2015 3.487.000 -61.23%
2016 2.170.000 -60.69%
2017 2.171.000 0.05%
2018 3.581.000 39.37%
2019 1.744.040 -105.33%
2020 -28.034.000 106.22%
2021 -10.936.000 -156.35%
2022 7.713.000 241.79%
2023 5.755.000 -34.02%
2024 0 0%

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.

Community First Bancorporation Capital Expenditure
Year Capital Expenditure Growth
1996 317.713
1997 22.770 -1295.31%
1998 1.345.566 98.31%
1999 1.571.389 14.37%
2000 360.759 -335.58%
2001 52.700 -584.55%
2002 1.126.836 95.32%
2003 550.982 -104.51%
2004 179.551 -206.87%
2005 2.695.756 93.34%
2006 1.506.718 -78.92%
2007 1.032.461 -45.93%
2008 450.699 -129.08%
2009 206.193 -118.58%
2010 81.739 -152.26%
2011 36.975 -121.07%
2012 209 -17591.39%
2012 97.000 99.78%
2014 331.000 70.69%
2015 319.000 -3.76%
2016 117.000 -172.65%
2017 102.000 -14.71%
2018 2.974.000 96.57%
2019 1.389.000 -114.11%
2020 1.100.000 -26.27%
2021 823.000 -33.66%
2022 537.000 -53.26%
2023 678.000 20.8%
2024 0 0%

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.

Community First Bancorporation Equity
Year Equity Growth
1996 10.334.687
1997 11.849.721 12.79%
1998 13.602.960 12.89%
1999 13.736.290 0.97%
2000 14.894.774 7.78%
2001 17.016.775 12.47%
2002 20.084.852 15.28%
2003 22.537.294 10.88%
2004 25.936.445 13.11%
2005 28.854.388 10.11%
2006 33.215.030 13.13%
2007 37.910.988 12.39%
2008 39.927.623 5.05%
2009 44.818.311 10.91%
2010 45.311.429 1.09%
2011 43.064.863 -5.22%
2012 35.363 -121679.44%
2014 30.156.000 99.88%
2015 31.010.000 2.75%
2016 31.378.000 1.17%
2017 32.494.000 3.43%
2018 36.614.000 11.25%
2019 48.175.000 24%
2020 50.788.000 5.14%
2021 53.305.000 4.72%
2022 47.053.000 -13.29%
2023 48.049.000 2.07%
2023 52.615.000 8.68%
2024 52.615.000 0%

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.

Community First Bancorporation Assets
Year Assets Growth
1996 98.673.417
1997 104.968.139 6%
1998 127.126.776 17.43%
1999 153.583.460 17.23%
2000 181.066.258 15.18%
2001 211.897.803 14.55%
2002 232.854.563 9%
2003 280.526.279 16.99%
2004 305.347.637 8.13%
2005 320.711.960 4.79%
2006 353.909.372 9.38%
2007 402.148.235 12%
2008 469.472.647 14.34%
2009 492.897.529 4.75%
2010 505.759.116 2.54%
2011 517.112.574 2.2%
2012 452.119 -114275.32%
2014 370.541.000 99.88%
2015 355.541.000 -4.22%
2016 318.359.000 -11.68%
2017 355.138.000 10.36%
2018 382.849.000 7.24%
2019 419.608.000 8.76%
2020 545.508.000 23.08%
2021 672.963.000 18.94%
2022 661.175.000 -1.78%
2023 703.688.000 6.04%
2023 684.661.000 -2.78%
2024 0 0%

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.

Community First Bancorporation Liabilities
Year Liabilities Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 1.759.520 100%
2001 1.307.096 -34.61%
2002 212.769.711 99.39%
2003 257.988.985 17.53%
2004 279.411.192 7.67%
2005 291.857.572 4.26%
2006 320.694.342 8.99%
2007 364.237.247 11.95%
2008 429.545.024 15.2%
2009 448.079.218 4.14%
2010 460.447.687 2.69%
2011 474.047.711 2.87%
2012 416.756 -113647.06%
2014 187.000 -122.86%
2015 112.000 -66.96%
2016 286.981.000 99.96%
2017 322.644.000 11.05%
2018 346.235.000 6.81%
2019 371.433.000 6.78%
2020 494.720.000 24.92%
2021 619.658.000 20.16%
2022 614.122.000 -0.9%
2023 0 0%
2023 632.046.000 100%
2024 0 0%

Community First Bancorporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.59
Net Income per Share
0.73
Price to Earning Ratio
10.89x
Price To Sales Ratio
1.74x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.84
EV to Sales
1.74
EV Over EBITDA
14.78
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.09
FreeCashFlow Yield
0
Market Cap
0,04 Bil.
Enterprise Value
0,04 Bil.
Graham Number
12.56
Graham NetNet
0

Income Statement Metrics

Net Income per Share
0.73
Income Quality
0
ROE
0.08
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.82
EBT Per Ebit
1.02
Ebit per Revenue
0.19
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
103.41
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.19
Pretax Profit Margin
0.19
Net Profit Margin
0.16

Dividends

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

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.08
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
9,54
Tangible Book Value per Share
0
Shareholders Equity per Share
9.54
Interest Debt per Share
627.74
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
0
Current Ratio
0
Tangible Asset Value
0,00 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
0
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
1688000
Debt to Market Cap
0

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.

Community First Bancorporation Dividends
Year Dividends Growth
2022 0

Community First Bancorporation Profile

About Community First Bancorporation

Community First Bancorporation operates as the bank holding company for Community First Bank that provides commercial banking products and services to personal and business customers. The company offers various deposit products, including checking accounts, NOW accounts, individual retirement accounts, time deposits, and money market accounts and certificates of deposit. It also provides commercial loans, including short term unsecured loans, short and intermediate term real estate mortgage loans, and loans secured by listed stocks, as well as loans secured by equipment, inventory, and accounts receivable; consumer loans, such as home equity improvement loans secured by first and second mortgages, personal expenditure loans, education loans, and overdraft lines of credit, as well as car, recreational vehicle, and boat loans; and debit and credit card services. In addition, the company offers direct deposit, foreign payment and currency exchange, electronic bill payment, remote check deposit, merchant, and other related services; internet and mobile banking services; and life, home, auto, health, and pet insurance products. It operates through eight full-service offices in Walhalla, Seneca, Anderson, Williamston, Westminster, and Greenville, South Carolina, as well as two in North Carolina; and loan production offices in Charlotte and Concord, North Carolina. Community First Bancorporation was founded in 1988 and is based in Walhalla, South Carolina.

CEO
Mr. Richard D. Burleson Jr.
Employee
93
Address
3685 Blue Ridge Boulevard
Walhalla, 29691

Community First Bancorporation Executives & BODs

Community First Bancorporation Executives & BODs
# Name Age
1 Mr. Richard D. Burleson Jr.
President, Chief Executive Officer & Director
70
2 Mr. Stuart L. Hester
Executive Vice President & Chief Banking Officer
70
3 Mr. William M. Brown
Independent Secretary & Director
70
4 Ms. Jennifer M. Champagne
Executive Vice President & Chief Financial Officer
70
5 Mr. Kevin P. Harmon
Controller
70

Community First Bancorporation Competitors