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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 3.76
CFIS's Cash to Debt is ranked higher than
82% of the 1274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CFIS: 3.76 )
CFIS' s 10-Year Cash to Debt Range
Min: 0.24   Max: No Debt
Current: 3.76

Equity to Asset 0.06
CFIS's Equity to Asset is ranked lower than
54% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CFIS: 0.06 )
CFIS' s 10-Year Equity to Asset Range
Min: 0.02   Max: 0.08
Current: 0.06

0.02
0.08
F-Score: 3
Z-Score: -0.01
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 2/10

vs
industry
vs
history
Revenue Growth (%) -43.60
CFIS's Revenue Growth (%) is ranked higher than
69% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CFIS: -43.60 )
CFIS' s 10-Year Revenue Growth (%) Range
Min: -43.6   Max: 7
Current: -43.6

-43.6
7
EBITDA Growth (%) -63.70
CFIS's EBITDA Growth (%) is ranked lower than
108% of the 1123 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CFIS: -63.70 )
CFIS' s 10-Year EBITDA Growth (%) Range
Min: -63.7   Max: 45.6
Current: -63.7

-63.7
45.6
» CFIS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Preferred stocks of Community Financial Shares Inc

SymbolPriceYieldDescription
CFIEO0.000.00

Ratios

vs
industry
vs
history
P/B 0.60
CFIS's P/B is ranked higher than
94% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CFIS: 0.60 )
CFIS' s 10-Year P/B Range
Min: 0.15   Max: 1.7
Current: 0.6

0.15
1.7
P/S 0.70
CFIS's P/S is ranked higher than
96% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CFIS: 0.70 )
CFIS' s 10-Year P/S Range
Min: 0.08   Max: 3.08
Current: 0.7

0.08
3.08
PFCF 1.00
CFIS's PFCF is ranked lower than
129% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CFIS: 1.00 )
CFIS' s 10-Year PFCF Range
Min: 0.23   Max: 105.77
Current: 1

0.23
105.77
EV-to-EBIT 58.80
CFIS's EV-to-EBIT is ranked lower than
72% of the 1410 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.82 vs. CFIS: 58.80 )
CFIS' s 10-Year EV-to-EBIT Range
Min: 5.4   Max: 1497.6
Current: 58.8

5.4
1497.6
PEG 0.10
CFIS's PEG is ranked higher than
99% of the 849 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. CFIS: 0.10 )
CFIS' s 10-Year PEG Range
Min: 0.33   Max: 0.44
Current: 0.1

0.33
0.44

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 1.70
CFIS's Earnings Yield (Greenblatt) is ranked lower than
62% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CFIS: 1.70 )
CFIS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 18.4
Current: 1.7

0.1
18.4
Forward Rate of Return (Yacktman) -66.05
CFIS's Forward Rate of Return (Yacktman) is ranked lower than
57% of the 1095 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.48 vs. CFIS: -66.05 )
CFIS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6   Max: 12.4
Current: -66.05

6
12.4

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Community Financial Shares, Inc. was incorporated in the State of Delaware in July 2000. It is a registered bank holding Company for Community Bank-Wheaton/Glen Ellyn. Through its wholly-owned subsidiary bank, Community Bank, Wheaton/Glen Ellyn, the Company provides financial and other banking services to customers located mainly in Wheaton and Glen Ellyn and surrounding communities in DuPage County, Illinois. The Bank provides banking services common to the industry, including but not limited to, demand, savings and time deposits, loans, mortgage loan origination for investors, cash management, and electronic banking services, Internet banking services including bill payment, Community Investment Center services, and debit cards. The Bank serves a diverse customer base including individuals, businesses, governmental units, and institutional customers located mainly in Wheaton and Glen Ellyn and surrounding communities in DuPage County, Illinois. The Bank's loan portfolio is comprised mainly of real-estate mortgage loans, which includes loans secured by residential, multi-family and nonresidential properties. The Bank originates loans on real estate generally located in the Bank's main lending area in central DuPage County, Illinois. In addition to portfolio mortgages, the Bank routinely originates and sells residential mortgage loans and servicing rights for other investors in the secondary market. The Bank services all of its portfolio loans and the Bank has not purchased mortgage servicing rights. Active competition exists in all main areas where the Bank operates, not only with other commercial banks, finance companies and mortgage bankers, but also with savings and loan associations, credit unions, and other financial service companies serving the Company's market area. The Company and the Bank are subject to a system of banking laws and regulations.
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