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Coeur d'Alene Bancorp Inc (CDAB)
OTHER OTC:CDAB
US Market

Coeur d'Alene Bancorp (CDAB) AI Stock Analysis

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Coeur d'Alene Bancorp

(OTC:CDAB)

62Neutral
Coeur d'Alene Bancorp's stock score reflects its stable financial health and a strong balance sheet with zero debt, which are significant strengths. However, the recent decline in income and the variability in cash flow pose some challenges. The technical analysis indicates a potential bearish trend, and the valuation suggests the stock may be overvalued. These factors contribute to a balanced score, with both strengths and areas requiring attention.

Coeur d'Alene Bancorp (CDAB) vs. S&P 500 (SPY)

Coeur d'Alene Bancorp Business Overview & Revenue Model

Company DescriptionCoeur d'Alene Bancorp (CDAB) is a financial services company based in Coeur d'Alene, Idaho. It operates primarily in the banking sector, offering a range of products and services that include personal and commercial banking, mortgage lending, and other financial services. The company serves individuals, small to medium-sized businesses, and corporations, leveraging its local expertise and a customer-centric approach to deliver tailored financial solutions.
How the Company Makes MoneyCoeur d'Alene Bancorp makes money primarily through interest income generated from its lending activities. This includes interest earned on personal loans, mortgages, and commercial loans. Additionally, the company earns revenue from fees associated with its banking services, such as account maintenance fees, transaction fees, and service charges. Coeur d'Alene Bancorp may also generate income from investment activities and partnerships with other financial institutions or service providers, which contribute to its overall earnings. Its profitability is influenced by factors such as interest rate fluctuations, loan demand, and the economic conditions within the regions it operates.

Coeur d'Alene Bancorp Financial Statement Overview

Summary
Coeur d'Alene Bancorp demonstrates strong profitability and revenue growth, with stable cash flow generation. However, increasing leverage and a negative EBITDA margin are areas to monitor. Overall, the company is on a solid financial footing but should be cautious about its debt levels and operational efficiency.
Income Statement
75
Positive
Coeur d'Alene Bancorp shows a solid gross profit margin with consistent revenue growth over the years. The net profit margin has remained stable, reflecting efficient cost management. However, the EBITDA margin is negative for the latest year, indicating potential issues in operational efficiency.
Balance Sheet
68
Positive
The company's debt-to-equity ratio has increased, suggesting higher leverage, but remains manageable. Return on equity is strong, reflecting effective use of equity capital. However, the equity ratio has slightly decreased, indicating a reliance on liabilities to fund assets.
Cash Flow
70
Positive
The company has shown stable operating cash flows with a positive free cash flow. However, the free cash flow growth rate has slowed down recently, which could impact future investments. The operating cash flow to net income ratio is healthy, indicating good cash generation relative to net income.
Breakdown
TTMDec 2023Dec 2022Dec 2021Dec 2020Dec 2019
Income StatementTotal Revenue
5.99M8.39M8.23M7.12M6.86M6.29M
Gross Profit
5.99M10.25M8.23M7.12M6.86M6.29M
EBIT
1.43M4.69M2.72M2.28M1.53M1.92M
EBITDA
877.33K-1.003.08M2.60M1.56M1.96M
Net Income Common Stockholders
1.14M2.12M2.16M1.78M1.29M1.40M
Balance SheetCash, Cash Equivalents and Short-Term Investments
13.30M5.13M18.37M61.69M35.45M9.03M
Total Assets
126.30M238.30M244.41M247.44M189.88M140.45M
Total Debt
423.26K16.60M4.93M5.63M859.78K981.45K
Net Debt
-12.88M11.47M-12.19M-56.20M-35.40M-5.83M
Total Liabilities
423.26K217.70M227.58M225.86M169.16M121.20M
Stockholders Equity
11.28M20.59M16.83M21.59M20.72M18.34M
Cash FlowFree Cash Flow
0.002.60M2.56M2.40M2.13M490.95K
Operating Cash Flow
0.002.66M2.85M2.45M2.25M1.86M
Investing Cash Flow
0.00-5.28M-50.19M-28.12M-20.85M-18.56M
Financing Cash Flow
0.00-10.87M2.77M51.92M46.78M11.43M

Coeur d'Alene Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price18.10
Price Trends
50DMA
18.27
Positive
100DMA
18.30
Positive
200DMA
16.45
Positive
Market Momentum
MACD
-0.08
Negative
RSI
59.54
Neutral
STOCH
53.53
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CDAB, the sentiment is Positive. The current price of 18.1 is above the 20-day moving average (MA) of 18.07, below the 50-day MA of 18.27, and above the 200-day MA of 16.45, indicating a bullish trend. The MACD of -0.08 indicates Negative momentum. The RSI at 59.54 is Neutral, neither overbought nor oversold. The STOCH value of 53.53 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CDAB.

Coeur d'Alene Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
$40.60M11.946.24%4.00%-2.69%-21.26%
64
Neutral
$12.82B9.837.68%17000.34%12.38%-5.56%
62
Neutral
$34.23M25.606.00%1.10%
58
Neutral
$436.21M-84.06%-6.52%-866.16%
55
Neutral
$41.30M11.423.36%4.80%7.80%
48
Neutral
$47.77M23.443.88%1.02%19.16%
39
Underperform
$40.94M-12.75%-61.99%87.96%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CDAB
Coeur d'Alene Bancorp
18.10
5.93
48.73%
ASRV
Ameriserv Financial
2.50
-0.23
-8.42%
HFBL
Home Federal Bancorp Of Louisiana
13.00
2.22
20.59%
OMCC
Old Market Capital
6.11
-0.51
-7.70%
PNBK
Patriot National Bancorp
5.72
2.84
98.61%
TCBS
Texas Community
15.70
1.99
14.51%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.