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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 : 5/10

vs
industry
vs
history
Cash to Debt 2.75
CFIS's Cash to Debt is ranked higher than
81% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. CFIS: 2.75 )
CFIS' s 10-Year Cash to Debt Range
Min: 0.24   Max: No Debt
Current: 2.75

Equity to Asset 0.07
CFIS's Equity to Asset is ranked higher than
57% of the 1732 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CFIS: 0.07 )
CFIS' s 10-Year Equity to Asset Range
Min: 0.02   Max: 0.08
Current: 0.07

0.02
0.08
F-Score: 4
Z-Score: 0.05
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
Operating margin (%) 5.32
CFIS's Operating margin (%) is ranked higher than
52% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.45 vs. CFIS: 5.32 )
CFIS' s 10-Year Operating margin (%) Range
Min: -65.03   Max: 28.16
Current: 5.32

-65.03
28.16
Net-margin (%) 5.32
CFIS's Net-margin (%) is ranked higher than
52% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. CFIS: 5.32 )
CFIS' s 10-Year Net-margin (%) Range
Min: -88.87   Max: 19.83
Current: 5.32

-88.87
19.83
ROE (%) 2.90
CFIS's ROE (%) is ranked higher than
55% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. CFIS: 2.90 )
CFIS' s 10-Year ROE (%) Range
Min: -151.81   Max: 11
Current: 2.9

-151.81
11
ROA (%) 0.20
CFIS's ROA (%) is ranked higher than
54% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. CFIS: 0.20 )
CFIS' s 10-Year ROA (%) Range
Min: -3.35   Max: 0.8
Current: 0.2

-3.35
0.8
ROC (Joel Greenblatt) (%) 4.61
CFIS's ROC (Joel Greenblatt) (%) is ranked higher than
52% of the 1726 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 68.75 vs. CFIS: 4.61 )
CFIS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -51.1   Max: 25.24
Current: 4.61

-51.1
25.24
Revenue Growth (%) -43.60
CFIS's Revenue Growth (%) is ranked higher than
50% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. CFIS: -43.60 )
CFIS' s 10-Year Revenue Growth (%) Range
Min: -43.6   Max: 8.7
Current: -43.6

-43.6
8.7
EBITDA Growth (%) -63.70
CFIS's EBITDA Growth (%) is ranked higher than
51% of the 1385 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CFIS: -63.70 )
CFIS' s 10-Year EBITDA Growth (%) Range
Min: -63.7   Max: 45.3
Current: -63.7

-63.7
45.3
» CFIS's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with CFIS

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Preferred stocks of Community Financial Shares Inc

SymbolPriceYieldDescription
CFIEO0.000.00
CFIYP0.000.00Perp Conv Pfd Shs Series -D-
CFIEN0.000.00Perp Conv Pfd Shs Series -E-

Ratios

vs
industry
vs
history
P/B 0.50
CFIS's P/B is ranked higher than
96% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CFIS: 0.50 )
CFIS' s 10-Year P/B Range
Min: 0.15   Max: 1.7
Current: 0.5

0.15
1.7
P/S 0.76
CFIS's P/S is ranked higher than
97% of the 1711 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. CFIS: 0.76 )
CFIS' s 10-Year P/S Range
Min: 0.1   Max: 3.08
Current: 0.76

0.1
3.08
PFCF 1.30
CFIS's PFCF is ranked higher than
96% of the 982 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. CFIS: 1.30 )
CFIS' s 10-Year PFCF Range
Min: 0.23   Max: 58.14
Current: 1.3

0.23
58.14
EV-to-EBIT -18.22
CFIS's EV-to-EBIT is ranked lower than
51% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.25 vs. CFIS: -18.22 )
CFIS' s 10-Year EV-to-EBIT Range
Min: 41.5   Max: 45.6
Current: -18.22

41.5
45.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.50
CFIS's Price/Tangible Book is ranked higher than
97% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. CFIS: 0.50 )
CFIS' s 10-Year Price/Tangible Book Range
Min: 0.17   Max: 1.7
Current: 0.5

0.17
1.7
Price/DCF (Projected) 0.60
CFIS's Price/DCF (Projected) is ranked higher than
76% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CFIS: 0.60 )
CFIS' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 3.45
Current: 0.6

0.1
3.45
Price/Median PS Value 1.10
CFIS's Price/Median PS Value is ranked higher than
73% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CFIS: 1.10 )
CFIS' s 10-Year Price/Median PS Value Range
Min: 0.22   Max: 4.81
Current: 1.1

0.22
4.81
Price/Graham Number 0.60
CFIS's Price/Graham Number is ranked higher than
89% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CFIS: 0.60 )
CFIS' s 10-Year Price/Graham Number Range
Min: 0.65   Max: 3.54
Current: 0.6

0.65
3.54
Earnings Yield (Greenblatt) 1.10
CFIS's Earnings Yield (Greenblatt) is ranked lower than
53% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CFIS: 1.10 )
CFIS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 2.4
Current: 1.1

1.1
2.4
Forward Rate of Return (Yacktman) -25.33
CFIS's Forward Rate of Return (Yacktman) is ranked lower than
52% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. CFIS: -25.33 )
CFIS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -33.8   Max: -26.7
Current: -25.33

-33.8
-26.7

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.
» More Articles for CFIS

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Articles On GuruFocus.com

More From Other Websites
COMMUNITY FINANCIAL SHARES INC Financials Aug 22 2014
COMMUNITY FINANCIAL SHARES INC Files SEC form 10-Q, Quarterly Report Aug 14 2014
COMMUNITY FINANCIAL SHARES INC Files SEC form 8-K, Change in Directors or Principal Officers,... May 22 2014
COMMUNITY FINANCIAL SHARES INC Files SEC form 10-Q, Quarterly Report May 14 2014
COMMUNITY FINANCIAL SHARES INC Files SEC form 10-K, Annual Report Mar 28 2014
COMMUNITY FINANCIAL SHARES INC Files SEC form 8-K, Termination of a Material Definitive Agreement,... Jan 15 2014
Community Financial Shares, Inc. Announces Termination of Regulatory Consent Order Jan 15 2014
COMMUNITY FINANCIAL SHARES INC Files SEC form 8-K, Change in Directors or Principal Officers,... Jan 06 2014
Community Financial Shares, Inc. Announces Stockholder Approval of 2013 Stock Incentive Plan Jan 03 2014
COMMUNITY FINANCIAL SHARES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 31 2013
Community Financial Shares, Inc. Extends Stockholder Consent Solicitation to Approve 2013 Stock... Dec 30 2013
COMMUNITY FINANCIAL SHARES INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Dec 05 2013
COMMUNITY FINANCIAL SHARES INC Files SEC form 8-K/A, Change in Directors or Principal Officers,... Nov 22 2013
COMMUNITY FINANCIAL SHARES INC Files SEC form 10-Q, Quarterly Report Nov 14 2013
Insiders Buy Shares at Fate Therapeutics and ChemoCentryx Oct 08 2013
COMMUNITY FINANCIAL SHARES INC Files SEC form 8-K, Unregistered Sale of Equity Securities, Other... Sep 30 2013
Community Financial Shares, Inc. Announces Completion of Private Placement Offering Sep 30 2013
COMMUNITY FINANCIAL SHARES INC Files SEC form 8-K, Change in Directors or Principal Officers Sep 20 2013
COMMUNITY FINANCIAL SHARES INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Aug 29 2013
COMMUNITY FINANCIAL SHARES INC Files SEC form 8-K, Change in Directors or Principal Officers,... Aug 16 2013

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