Coeur d'Alene Bancorp (CDAB) AI Stock Analysis

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Coeur d'Alene Bancorp

(Other OTC:CDAB)

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Rating:58Neutral

Price Target:$16.50▲(2.36% Upside)

Action:reiterated

Date:08/07/26

Mixed financial performance with declining margins and leverage improvements drives the score, tempered by slightly bearish technicals and elevated valuation.

Positive Factors

Revenue GrowthSustained revenue expansion into 2025 indicates improving core business traction and scale. Over a 2–6 month horizon, stronger top-line supports reinvestment in operations, underwriting or product distribution, and underpins more predictable cash generation versus firms without clear revenue momentum.

Negative Factors

Margin CompressionMaterial decline in net margins versus prior years weakens sustainable profitability and internal funding. Lower margins constrain reserve-building, limit reinvestment capacity, and make earnings more sensitive to loan losses or cost pressures, reducing margin of safety for future quarters.

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

Market Cap: $30.35M
Dividend Yield: 1.34%
Average Volume (3M): 10.12K
Price to Earnings (P/E): 15.1
Beta (1Y): 0.01
Revenue Growth: 7.09%
EPS Growth: 36.10%
Country: US
Employees: 145,000
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Coeur d'Alene Bancorp Business Overview & Revenue Model

Company Description

Coeur d'Alene Bancorp, Inc. operates as the holding company for bankcda that provides banking products and services to commercial and consumer customers. It offers business checking, savings, money market, sweep, and individual retirement accounts, a...

How the Company Makes Money

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Coeur d'Alene Bancorp Financial Statement Overview

Summary

Moderate revenue growth but declining profit margins and volatile cash flows indicate mixed financial health, with strengths in balance sheet stability offset by profitability pressures.

Income Statement

65Positive

Balance Sheet

70Positive

Cash Flow

60Neutral

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	12.00M	12.77M	8.53M	8.39M	8.23M	7.12M
Gross Profit	9.57M	9.57M	8.53M	10.25M	7.62M	6.76M
EBITDA	1.96M	1.96M	2.28M	2.96M	3.08M	2.60M
Net Income	1.58M	1.58M	1.48M	2.12M	2.16M	1.78M
Balance Sheet
Total Assets	242.68M	242.68M	241.93M	238.30M	244.41M	247.44M
Cash, Cash Equivalents and Short-Term Investments	16.23M	18.18M	6.17M	5.13M	17.11M	61.69M
Total Debt	6.33M	6.33M	21.81M	16.60M	4.93M	5.63M
Total Liabilities	216.38M	216.38M	218.56M	218.54M	227.58M	225.86M
Stockholders Equity	26.30M	26.30M	23.37M	20.59M	16.83M	21.59M
Cash Flow
Free Cash Flow	2.01M	2.01M	1.11M	2.60M	2.56M	2.40M
Operating Cash Flow	2.78M	2.78M	2.10M	2.66M	2.85M	2.45M
Investing Cash Flow	13.20M	13.20M	-222.16K	-5.28M	-50.19M	-28.12M
Financing Cash Flow	-2.48M	-2.48M	-831.43K	-10.87M	2.77M	51.92M

Coeur d'Alene Bancorp Technical Analysis

Technical Analysis SentimentPositive

Last Price16.12

Price Trends

50DMA16.01Positive

100DMA16.02Positive

200DMA16.47Negative

Market Momentum

MACD0.03Negative

RSI61.14Neutral

STOCH84.59Negative

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 16.12 is above the 20-day moving average (MA) of 15.86, above the 50-day MA of 16.01, and below the 200-day MA of 16.47, indicating a neutral trend. The MACD of 0.03 indicates Negative momentum. The RSI at 61.14 is Neutral, neither overbought nor oversold. The STOCH value of 84.59 is Negative, 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 (68)

Financial Indicators

CDAB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CLST	68Neutral	$69.99M	24.10	3.06%	―	31.73%	17.80%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBS	65Neutral	$49.87M	14.34	6.14%	1.44%	5.94%	51.02%
KFFB	62Neutral	$43.18M	22.64	3.86%	0.94%	8.69%	958.30%
CDAB	58Neutral	$30.48M	15.07	7.72%	1.34%	7.09%	36.10%
BAFN	52Neutral	$156.38M	-0.55	-42.84%	―	-40.59%	-260.03%

* Financial Sector Average

Performance Comparison

CDAB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CDAB	Coeur d'Alene Bancorp	16.12	-0.90	-5.28%
KFFB	Kentucky First Federal	5.34	1.39	35.29%
BAFN	BayFirst Financial Corp	5.80	-3.50	-37.63%
TCBS	Texas Community Bancshares, Inc.	17.36	1.70	10.83%
MBBC	Marathon Bancorp, Inc.	14.44	3.50	31.95%
CLST	Catalyst Bancorp, Inc.	17.35	3.10	21.75%

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.

Date of analysis: Aug 04, 2026

Coeur d'Alene Bancorp AI Stock Analysis

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