OTC · Banks - Regional

CCSB Financial Corp. (CCFC) Stock

$12.15 +0.00% OTC: CCFC Financial Services

CCSB Financial Corp. functions as the parent entity for Clay County Savings Bank, delivering a full spectrum of banking and financial services.

Valuation

MetricValue
Price$12.15
Market Cap$8.73M
P/E Ratio-17.11
P/B Ratio0.92
P/S Ratio2.29
EPS (TTM)$-0.71
52-Week High$15.50
52-Week Low$10.08
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE-5.66%
ROA-0.37%
ROCE-1.15%
Gross Margin100.00%
Operating Margin-8.26%
Net Margin-13.84%
Debt/Equity1.64
Current Ratio0.07

Annual Financials (USD)

Metric20202021202220232024
Revenue$5.0M$5.0M$5.0M$4.0M$4.0M
Operating Profit$1.0M$1.0M$1.0M$0$0
Net Profit$1.0M$0$0$0$-1.0M
EPS$0.84$0.50$0.44$-0.25$-0.71
Op Margin11.5%12.7%10.7%0.0%-8.3%

Balance Sheet (USD)

Metric20202021202220232024
Total Assets$129.0M$152.0M$151.0M$155.0M$141.0M
Total Liabilities$117.0M$140.0M$142.0M$146.0M$131.0M
Cash$40.0M$46.0M$14.0M$8.0M$9.0M
Borrowings$2.0M$1.0M$1.0M$27.0M$16.0M

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Cash Flow (USD)

Metric20202021202220232024
Operating Cash Flow$0$0$1.0M$0$0
Investing Cash Flow$-1.0M$-1.0M$2.0M$-8.0M$16.0M
Financing Cash Flow$17.0M$23.0M$2.0M$4.0M$-4.0M
Net Cash Flow$16.0M$5.0M$-29.0M$-4.0M$0
Free Cash Flow$0$0$1.0M$0$0

Valuation & Return Ratios

MetricValue
PEG Ratio0.13
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y
Return 3Y
Return 5Y

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
FNFPAFirst Niles Financial, Inc. PFD SER A $3.80 +0.00% 5.01 $4.23M 7.37%
FPBCFirst Pacific Bancorp $7.74 +0.00% 16.47 $15.01M 0.00%
IDFBPeak Bancorp Inc. $12.00 -0.08% 0.00 $9.51M 0.00%
LWLWLongwen Group Corp. $0.10 +0.00% -10.31 $8.09M 0.00%
MCPHMidland Capital Holdings Corp. $30.00 -7.69% 20.13 $11.18M 0.00%

About CCSB Financial Corp.

CCSB Financial Corp. functions as the parent entity for Clay County Savings Bank, delivering a full spectrum of banking and financial services. The company caters to individual consumers and business clients across the northern sector of metropolitan Kansas City, Missouri. For personal banking, the institution offers diverse deposit options including checking, statement savings, money market, health savings, a "kids adventure club" program, and individual retirement accounts, along with certificates of deposit. Its lending products for individuals encompass home mortgages, home equity lines of credit, closed-end home equity loans, and auto loans. Regarding business banking, CCSB provides specialized accounts such as money market and sweep accounts. Corporate lending solutions include financing for investment properties, small business needs, construction projects, and broader commercial endeavors. Merchant services are also available to businesses. Complementing its core offerings, CCSB supplies debit and credit cards, comprehensive online banking capabilities, ATM access, notary services, and signature guarantees. The company operates physical branches in Liberty, Kearney, and Kansas City, while also providing customers with access to an expansive network of approximately 4,200 ATMs. Founded in 1922, CCSB Financial Corp. is headquartered in Liberty, Missouri.

CCSB Financial Corp. is headquartered in US.

CCSB Financial Corp. (CCFC) stock trades at $12.15 with a market capitalization of $8.73M. The stock is valued at a price-to-earnings (P/E) ratio of -17.11, price-to-book of 0.92, price-to-sales of 2.29. Over the past 52 weeks the stock has ranged between $10.08 and $15.50, and currently trades 21.6% below its 52-week high.

On profitability, CCSB Financial Corp. generates a return on equity (ROE) of -5.66%, return on capital employed of -1.15%, an operating margin of -8.26%, a net profit margin of -13.84%.

Official website: www.verimore.bank

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