Coeur d'Alene Bancorp (CDAB) AI Stock Analysis

• Market Cap: $34.23M
• Dividend Yield: 1.1%
• Average Volume (3M): 359.00
• Price to Earnings (P/E): 25.6
• Beta (1Y): 0.10
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 0.13
• Shares Outstanding: 1,891,054
• 10 Day Avg. Volume: 226
• 30 Day Avg. Volume: 359
• PEG Ratio: -1.48
• Price to Book (P/B): 1.67
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

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 Business Overview & Revenue Model

Company Description

Coeur 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 Money

Coeur 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

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

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

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
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
5.99M	8.39M	8.23M	7.12M	6.86M	6.29M
	Gross Profit
5.99M	10.25M	8.23M	7.12M	6.86M	6.29M
	EBIT
1.43M	4.69M	2.72M	2.28M	1.53M	1.92M
	EBITDA
877.33K	-1.00	3.08M	2.60M	1.56M	1.96M
	Net Income Common Stockholders
1.14M	2.12M	2.16M	1.78M	1.29M	1.40M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
13.30M	5.13M	18.37M	61.69M	35.45M	9.03M
	Total Assets
126.30M	238.30M	244.41M	247.44M	189.88M	140.45M
	Total Debt
423.26K	16.60M	4.93M	5.63M	859.78K	981.45K
	Net Debt
-12.88M	11.47M	-12.19M	-56.20M	-35.40M	-5.83M
	Total Liabilities
423.26K	217.70M	227.58M	225.86M	169.16M	121.20M
	Stockholders Equity
11.28M	20.59M	16.83M	21.59M	20.72M	18.34M
Cash Flow		Free Cash Flow
0.00	2.60M	2.56M	2.40M	2.13M	490.95K
	Operating Cash Flow
0.00	2.66M	2.85M	2.45M	2.25M	1.86M
	Investing Cash Flow
0.00	-5.28M	-50.19M	-28.12M	-20.85M	-18.56M
	Financing Cash Flow
0.00	-10.87M	2.77M	51.92M	46.78M	11.43M

Coeur d'Alene Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 18.10
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	76 Outperform	$40.60M	11.94	6.24%	4.00%	-2.69%	-21.26%
Sector *	64 Neutral	$12.82B	9.83	7.68%	17000.34%	12.38%	-5.56%
CDAB	62 Neutral	$34.23M	25.60	6.00%	1.10%	―	―
PNBK	58 Neutral	$436.21M	―	-84.06%	―	-6.52%	-866.16%
ASRV	55 Neutral	$41.30M	11.42	3.36%	4.80%	7.80%	―
TCBS	48 Neutral	$47.77M	23.44	3.88%	1.02%	19.16%	―
OMCC	39 Underperform	$40.94M	―	-12.75%	―	-61.99%	87.96%