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CrossFirst Bankshares logo
CrossFirst Bankshares CFB
report update icon

Quarterly report 2024-Q3
added 06-06-2026

CrossFirst Bankshares Financial Ratios 2023-2011 | CFB

Brief overview of CrossFirst Bankshares's multiples and efficiency

The comparison uses the five latest available annual observations between 2019 and 2023.

Market valuation is represented by P/E 9.45x (median 11.42x), P/B 0.89x (median 1.08x), P/CF 6.34x (median 8.44x). Multiples are on average 17.8% below their own medians. Shares look cheaper than their recent historical valuation.

The inverse P/E implies an earnings yield of 10.6%. This is not a dividend yield, but current earnings relative to market price.

Returns on assets and capital are represented by ROE 9.4%, ROA 0.9%. Profitability sends a weak positive signal and leaves the business sensitive to cost or demand pressure.

PEG of 0.81x shows valuation is not outpacing embedded growth. The conclusion depends on earnings durability.

For financial institutions, P/B, ROE and ROA are particularly relevant, while EV/EBITDA and ordinary liquidity ratios have limited comparability.

What the ratios show

CrossFirst Bankshares's discount may reflect genuine profitability issues rather than market inefficiency alone.

Annual Financial Ratios CrossFirst Bankshares

2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

P/E

9.4 11.0 11.4 47.5 22.9 - 36.1 - - - - - -

P/S

40.7 47.6 55.7 71.6 201.7 - 2.6 - - - - - -

EPS

1.4 1.2 1.4 0.2 0.6 0.5 0.1 - - - - - -

EV (Enterprise Value)

7.05 B 6.37 B 5.26 B 5.22 B 4.79 B 3.4 B 2.54 B 318 M 2.55 M - - - -

EBITDA per Share

0.19 0.11 0.1 0.1 0.11 0.13 0.1 - - - - - -

EV/EBITDA

744.9 1200.9 1000.8 994.8 901.3 727.3 831.9 - - - - - -

PEG

0.81 3.55 - -0.69 0.19 - 57.32 - - - - - -

P/B

0.9 1.1 1.2 1.0 1.1 - 0.7 - - - - - -

P/CF

6.3 8.4 9.0 7.4 8.8 - 33.5 - - - - - -

ROE %

9.41 10.12 10.40 2.02 4.73 4.00 2.04 - - - - - -

ROA %

0.90 0.93 1.23 0.22 0.58 0.48 0.20 - - - - - -

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 1.1 - - - - - -

DSO

787.4 583.0 426.2 719.3 1685.8 22.1 55.4 - - - - - -

Operating Cycle

787.4 583.0 426.2 719.4 1685.8 22.1 55.4 - - - - - -

Cash Conversion Cycle

787.4 583.0 426.2 719.4 1685.8 22.1 55.4 - - - - - -

All numbers in USD currency

Quarterly Financial Ratios CrossFirst Bankshares

2024-Q3 2024-Q2 2024-Q1 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

0.39 0.37 0.36 0.34 0.33 0.33 - 0.35 0.31 0.33 - 0.41 0.3 0.23 - 0.15 -0.14 0.07 - 0.22 0.21 0.2 - 0.15 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

EBITDA per Share

0.15 0.1 0.05 0.14 0.1 0.05 - 0.08 0.05 0.02 - 0.08 0.05 0.03 - 0.07 0.05 0.02 - 0.08 0.06 0.03 - 0.09 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROE %

10.28 10.19 10.13 10.56 10.49 10.73 8.23 11.45 10.92 10.28 7.58 8.87 4.44 2.63 0.72 2.44 2.71 5.48 4.85 6.14 1.57 1.55 - 1.30 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROA %

0.98 0.95 0.94 0.99 1.03 1.11 0.87 1.26 1.26 1.19 0.88 1.03 0.50 0.29 0.09 0.31 0.36 0.68 0.60 0.76 0.19 0.19 - 0.15 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 - 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

DSO

- - - - - - - - - - - - - - - - - - - 1901.0 - - - 1733.0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Operating Cycle

- - - - - - - - - - - - - - - - - - - 1889.4 - - - 1733.0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Cash Conversion Cycle

- - - - - - - - - - - - - - - - - - - 1889.4 - - - 1733.0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

All numbers in USD currency

Multiples are an important financial analysis tool for the company CrossFirst Bankshares, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

Financial Ratios of other stocks in the Banks regional industry

Issuer Price % 24h Market Cap Country
Evans Bancorp Evans Bancorp
EVBN
- 2.41 % $ 218 M usaUSA
Mid-Southern Bancorp Mid-Southern Bancorp
MSVB
- 1.55 % $ 30.4 M usaUSA
Banco Santander-Chile Banco Santander-Chile
BSAC
$ 31.72 -0.75 % $ 5.98 T chileChile
Oconee Federal Financial Corp. Oconee Federal Financial Corp.
OFED
- - $ 75.8 M usaUSA
Heartland Financial USA Heartland Financial USA
HTLF
- -2.16 % $ 2.77 B usaUSA
Brookline Bancorp Brookline Bancorp
BRKL
- - $ 974 M usaUSA
Old Point Financial Corporation Old Point Financial Corporation
OPOF
- - $ 213 M usaUSA
Guaranty Bancshares Guaranty Bancshares
GNTY
- - $ 570 M usaUSA
Professional Holding Corp. Professional Holding Corp.
PFHD
- -0.52 % $ 404 M usaUSA
F.N.B. Corporation F.N.B. Corporation
FNB
$ 18.18 -0.03 % $ 6.56 B usaUSA
First Bank First Bank
FRBA
$ 19.39 4.53 % $ 386 M usaUSA
Ames National Corporation Ames National Corporation
ATLO
$ 33.7 -1.0 % $ 300 M usaUSA
Atlantic Union Bankshares Corporation Atlantic Union Bankshares Corporation
AUB
$ 39.89 -0.47 % $ 5.14 B usaUSA
BancFirst Corporation BancFirst Corporation
BANF
$ 111.21 -1.02 % $ 3.7 B usaUSA
Banco BBVA Argentina S.A. Banco BBVA Argentina S.A.
BBAR
$ 13.17 5.36 % $ 8.07 B argentinaArgentina
Banco Bradesco S.A. Banco Bradesco S.A.
BBD
$ 4.07 3.04 % $ 215 B brasilBrasil
Banco Bradesco S.A. Banco Bradesco S.A.
BBDO
$ 3.67 1.94 % $ 215 B brasilBrasil
Business First Bancshares Business First Bancshares
BFST
$ 31.8 -0.44 % $ 935 M usaUSA
Bank of Marin Bancorp Bank of Marin Bancorp
BMRC
$ 27.11 -0.84 % $ 432 M usaUSA
Intercorp Financial Services Intercorp Financial Services
IFS
$ 51.82 0.35 % $ 5.92 B -
Banco Santander (Brasil) S.A. Banco Santander (Brasil) S.A.
BSBR
$ 5.55 0.91 % $ 104 B brasilBrasil
Byline Bancorp Byline Bancorp
BY
$ 38.4 1.21 % $ 1.72 B usaUSA
Camden National Corporation Camden National Corporation
CAC
$ 57.84 -0.03 % $ 977 M usaUSA
BOK Financial Corporation BOK Financial Corporation
BOKF
$ 128.61 -0.37 % $ 8.05 B usaUSA
CF Bankshares CF Bankshares
CFBK
$ 34.48 -0.26 % $ 217 M usaUSA
City Holding Company City Holding Company
CHCO
$ 142.01 -0.97 % $ 2.06 B usaUSA
Columbia Banking System Columbia Banking System
COLB
$ 30.86 3.23 % $ 7.35 B usaUSA
Coastal Financial Corporation Coastal Financial Corporation
CCB
$ 45.22 0.71 % $ 681 M usaUSA
First Seacoast Bancorp First Seacoast Bancorp
FSEA
$ 17.25 0.06 % $ 99.5 M usaUSA
Grupo Financiero Galicia S.A. Grupo Financiero Galicia S.A.
GGAL
$ 37.91 4.96 % $ 56.2 B argentinaArgentina
First Financial Bancorp. First Financial Bancorp.
FFBC
$ 32.64 0.52 % $ 3.11 B usaUSA
FVCBankcorp FVCBankcorp
FVCB
$ 17.1 -5.73 % $ 310 M usaUSA
First BanCorp. First BanCorp.
FBP
$ 27.42 0.35 % $ 4.39 B puerto-ricoPuerto-rico
Fidelity D & D Bancorp Fidelity D & D Bancorp
FDBC
$ 64.51 2.45 % $ 372 M usaUSA
Great Southern Bancorp Great Southern Bancorp
GSBC
$ 80.93 2.53 % $ 922 M usaUSA
First Mid Bancshares First Mid Bancshares
FMBH
$ 50.74 0.24 % $ 1.21 B usaUSA
Home Bancorp Home Bancorp
HBCP
$ 61.44 0.03 % $ 478 M usaUSA
Home Bancshares (Conway, AR) Home Bancshares (Conway, AR)
HOMB
$ 30.1 -0.17 % $ 5.94 B usaUSA
Hope Bancorp Hope Bancorp
HOPE
$ 14.07 0.14 % $ 1.78 B usaUSA
Columbia Financial Columbia Financial
CLBK
$ 10.85 -0.09 % $ 1.1 B usaUSA
Hilltop Holdings Hilltop Holdings
HTH
$ 36.36 -2.47 % $ 2.28 B usaUSA
Hancock Whitney Corporation Hancock Whitney Corporation
HWC
$ 73.51 0.04 % $ 6.24 B usaUSA
Provident Financial Holdings Provident Financial Holdings
PROV
$ 18.2 0.05 % $ 117 M usaUSA
Kearny Financial Corp. Kearny Financial Corp.
KRNY
$ 9.3 0.32 % $ 585 M usaUSA
Equity Bancshares Equity Bancshares
EQBK
$ 48.88 0.49 % $ 894 M usaUSA
LCNB Corp. LCNB Corp.
LCNB
$ 19.73 0.15 % $ 278 M usaUSA
Fulton Financial Corporation Fulton Financial Corporation
FULT
$ 23.67 1.37 % $ 4.3 B usaUSA
MetroCity Bankshares MetroCity Bankshares
MCBS
$ 35.74 0.87 % $ 920 M usaUSA
Magyar Bancorp Magyar Bancorp
MGYR
$ 19.9 3.54 % $ 124 M usaUSA
Northeast Bank Northeast Bank
NBN
$ 128.74 -0.09 % $ 1.14 B usaUSA