OTC · Banks - Regional

Cornerstone Financial Corporation (CFIC) Stock

$8.32 +21.82% OTC: CFIC Financial Services

Cornerstone Financial Corporation serves as the holding company for Cornerstone Bank, providing a comprehensive range of financial products and services to both individual consumers and businesses. Its deposit offerings include checking, money market, and savings accounts, alongside certificates of deposit (CDs) and individual retirement accounts (IRAs).

Valuation

MetricValue
Price$8.32
Market Cap$18.24M
P/E Ratio-83.20
P/B Ratio0.64
P/S Ratio1.79
EPS (TTM)$-0.10
52-Week High$9.85
52-Week Low$6.72
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE-0.78%
ROA-0.08%
ROCE-0.13%
Gross Margin100.00%
Operating Margin-3.73%
Net Margin-2.25%
Debt/Equity0.06
Current Ratio0.00

Annual Financials (USD)

Metric20112019202020212022
Revenue$14.0M$10.0M$11.0M$9.0M$10.0M
Operating Profit$-2.0M$0$0$0$0
Net Profit$-1.0M$5.0M$0$0$0
EPS$-6.00$6.05$0.23$0.03$-0.10
Op Margin-13.9%2.2%1.8%1.4%-3.7%

Balance Sheet (USD)

Metric20112019202020212022
Total Assets$384.0M$261.0M$274.0M$327.0M$296.0M
Total Liabilities$365.0M$244.0M$256.0M$297.0M$2.0M
Cash$5.0M$4.0M$39.0M$108.0M$7.0M
Borrowings$33.0M$9.0M$8.0M$2.0M$2.0M

Cash Flow (USD)

Metric20112019202020212022
Operating Cash Flow$0$0$0$0$1.0M
Investing Cash Flow$0$18.0M$14.0M$8.0M$-7.0M
Financing Cash Flow$28.0M$5.0M$12.0M$47.0M$-28.0M
Net Cash Flow$29.0M$23.0M$12.0M$69.0M$-101.0M
Free Cash Flow$0$0$-1.0M$-1.0M$0

Valuation & Return Ratios

MetricValue
PEG Ratio-0.83
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y—
Return 3Y—
Return 5Y—

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $336.64 -1.11% 38.93 $4.94T 0.32%
MSFTMicrosoft Corporation $535.07 +2.38% 28.68 $3.97T 0.76%
GOOGLAlphabet Inc. $351.66 +0.97% 16.94 $4.26T 0.26%
AMZNAmazon.com, Inc. $262.43 +3.29% 19.82 $2.82T 0.00%
METAMeta Platforms, Inc. $718.67 -0.31% 27.93 $1.83T 0.28%

About Cornerstone Financial Corporation

Cornerstone Financial Corporation serves as the holding company for Cornerstone Bank, providing a comprehensive range of financial products and services to both individual consumers and businesses. Its deposit offerings include checking, money market, and savings accounts, alongside certificates of deposit (CDs) and individual retirement accounts (IRAs). The institution's lending portfolio features home equity lines of credit, term loans, government-backed and Small Business Administration (SBA) loans, business lines of credit, letters of credit, and commercial mortgages. Clients also benefit from convenient services such as remote deposit capture, online banking, and check reordering. Established in 1999, Cornerstone Financial Corporation is headquartered in Mount Laurel, New Jersey.

Cornerstone Financial Corporation is headquartered in US.

Cornerstone Financial Corporation (CFIC) stock trades at $8.32 with a market capitalization of $18.24M. The stock is valued at a price-to-earnings (P/E) ratio of -83.20, price-to-book of 0.64, price-to-sales of 1.79. Over the past 52 weeks the stock has ranged between $6.72 and $9.85, and currently trades 15.5% below its 52-week high.

On profitability, Cornerstone Financial Corporation generates a return on equity (ROE) of -0.78%, return on capital employed of -0.13%, an operating margin of -3.73%, a net profit margin of -2.25%.

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