Provide checking and savings accounts for retail and business customers. Offer a range of personal loans including auto, boat, RV, home equity, and mortgages. Now — the numbers.
This is an established company with proven profits.
Average growth of 12% a year over the last 4 years. Every year shown ended in profit.
The market pays 11.4× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
No analyst target is on record for this company.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 24% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.
Over the last 4 years, sales grew about 12% a year on average.
It pays out $2.00 per share each year — regular cash for whoever holds the stock.
Getting in and out without moving the price could prove difficult.
Against everything we grade, CSHX lands somewhere in the middle. The grade moves as the numbers move.
The takeaway: CSHX is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
Not covered, because the filings we hold do not carry it: earnings execution, the revenue breakdown.