Coeur d'Alene Bancorp Inc (CDAB)
OTHER OTC:CDAB
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Coeur d'Alene Bancorp
(OTC:CDAB)
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Rating:63Neutral
Price Target:
$18.50
▲(5.23% Upside)
Action:Reiterated
Date:04/09/26
The score is driven primarily by mixed financial performance: improving 2025 revenue and positive profitability are offset by margin compression versus prior years, volatile free cash flow, and some data inconsistencies that weaken confidence in reported leverage/coverage trends. Technicals are moderately constructive (price slightly above key moving averages with a positive MACD), while valuation looks only fair given a ~20.9 P/E and modest ~1.25% dividend yield.
Positive Factors
Revenue Growth
A meaningful revenue increase into 2025 demonstrates the company can grow core bank revenues after uneven prior years. Durable top-line expansion strengthens capacity to fund operations, loan growth and investment over the next several quarters, improving long-term business resilience.
Negative Factors
Margin Compression
A structural decline in margins materially reduces return on capital and operating leverage. Lower margins constrain earnings reinvestment, slow ROE recovery and make the bank more sensitive to interest, credit or expense shocks, weakening durable profitability prospects.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
A meaningful revenue increase into 2025 demonstrates the company can grow core bank revenues after uneven prior years. Durable top-line expansion strengthens capacity to fund operations, loan growth and investment over the next several quarters, improving long-term business resilience.
Read all positive factors
Coeur d'Alene Bancorp (CDAB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$30.29M
Dividend Yield1.14%
Average Volume (3M)335.00
Price to Earnings (P/E)17.6
Beta (1Y)0.10
Revenue Growth5.25%
EPS Growth28.31%
CountryUS
EmployeesN/A
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding1,891,054
10 Day Avg. Volume420
30 Day Avg. Volume335
Financial Highlights & Ratios
PEG Ratio4.08
Price to Book (P/B)1.26
Price to Sales (P/S)2.59
P/FCF Ratio16.46
Enterprise Value/Market Cap0.69
Enterprise Value/Revenue1.74
Enterprise Value/Gross Profit2.83
Enterprise Value/Ebitda10.69
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Coeur d'Alene Bancorp Business Overview & Revenue Model
Company Description
Coeur d'Alene Bancorp, Inc. operates as the holding company for bankcda that provides various banking products and services to individuals and businesses in Idaho and Washington. It offers checking, savings, money market, and individual retirement...
Coeur d'Alene Bancorp Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
64
Positive
Cash Flow
57
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 12.77M | 8.53M | 8.39M | 8.23M | 7.12M |
| Gross Profit | 9.57M | 8.53M | 10.25M | 7.62M | 6.76M |
| EBITDA | 1.96M | 0.00 | 2.96M | 3.08M | 2.60M |
| Net Income | 1.58M | 1.48M | 2.12M | 2.16M | 1.78M |
Balance Sheet | |||||
| Total Assets | 242.68M | 241.93M | 238.30M | 244.41M | 247.44M |
| Cash, Cash Equivalents and Short-Term Investments | 18.18M | 6.17M | 5.13M | 17.11M | 61.69M |
| Total Debt | 6.33M | 21.81M | 16.60M | 4.93M | 5.63M |
| Total Liabilities | 216.38M | 218.56M | 218.54M | 227.58M | 225.86M |
| Stockholders Equity | 26.30M | 23.37M | 20.59M | 16.83M | 21.59M |
Cash Flow | |||||
| Free Cash Flow | 2.01M | 1.11M | 2.60M | 2.56M | 2.40M |
| Operating Cash Flow | 2.78M | 2.10M | 2.66M | 2.85M | 2.45M |
| Investing Cash Flow | 13.20M | -222.16K | -5.28M | -50.19M | -28.12M |
| Financing Cash Flow | -2.48M | -831.43K | -10.87M | 2.77M | 51.92M |
Coeur d'Alene Bancorp Technical Analysis
Negative
17.58
Price Trends
16.65
Negative
16.95
Negative
17.07
Negative
Market Momentum
-0.19
Negative
33.55
Neutral
48.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CDAB, the sentiment is Negative. The current price of 17.58 is above the 20-day moving average (MA) of 16.23, above the 50-day MA of 16.65, and above the 200-day MA of 17.07, indicating a bearish trend. The MACD of -0.19 indicates Negative momentum. The RSI at 33.55 is Neutral, neither overbought nor oversold. The STOCH value of 48.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CDAB.
Coeur d'Alene Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $59.55M | 9.93 | 9.28% | 3.21% | 5.66% | 79.41% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $30.29M | 17.56 | 6.75% | 1.14% | 5.25% | 28.31% | |
61 Neutral | $63.45M | 11.51 | 4.72% | 3.87% | 4.99% | 50.85% | |
58 Neutral | $38.56M | 27.45 | 1.71% | ― | 10.06% | ― | |
58 Neutral | $48.76M | 16.07 | 5.34% | 1.10% | 3.83% | 59.54% |
* Financial Sector Average
CDAB
Coeur d'Alene Bancorp
16.02
-1.87
-10.45%
ASRV
Ameriserv Financial
3.74
0.95
33.86%
HFBL
Home Federal Bancorp Of Louisiana
19.50
6.10
45.48%
KFFB
Kentucky First Federal Bancorp
4.77
2.15
81.98%
TCBS
Texas Community
16.90
1.17
7.46%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.