Community Financial Group, Inc. (CFGW)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Community Financial Group, Inc. (CFGW) trades at $44.00 with AI Score 59/100 (Grade B). Community Financial Group, Inc. is a bank holding company operating through Wheatland Bank, providing banking products and services to individuals and businesses. Market cap: $67.99M, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for CFGW: CFGW does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CFGW against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
CFGW: 1/4 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Community Financial Group, Inc. (CFGW) Financial Services Profile
Community Financial Group, Inc., operating as Wheatland Bank, serves individuals and businesses in eastern and central Washington with a range of banking products, including personal and business loans, deposit accounts, and online services. With a high profit margin, the company focuses on traditional banking services within its regional market.
What Is the Investment Thesis for CFGW?
Community Financial Group, Inc. presents a focused investment opportunity within the regional banking sector, primarily serving eastern and central Washington. With a P/E ratio of 78.7 and a high profit margin of 51.0%, the company demonstrates profitability, though the P/E suggests it may be overvalued compared to peers. Key to its growth is expanding its loan portfolio and leveraging its existing branch network. Ongoing catalysts include increasing penetration in its current markets and potential expansion within Washington. Potential risks include competition from larger regional and national banks and fluctuations in interest rates impacting loan profitability. The company's beta of -0.26 suggests it is less volatile than the market.
Based on FMP financials and quantitative analysis
CFGW Key Highlights
- Market Cap of $67.99M indicates a smaller capitalization within the regional banking sector.
- P/E Ratio of 78.7 suggests a potentially high valuation relative to earnings.
- Profit Margin of 51.0% demonstrates strong profitability compared to the industry average.
- Gross Margin of 100.0% indicates efficient management of interest income and expenses.
- Beta of -0.26 suggests the stock is less volatile than the overall market.
Who Are CFGW's Competitors?
CFGW is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BCSO Bancorp. of Southern Indiana | $65.00 | +8.33% | $87.67M | 48 |
| CCVS Citizens Commerce Bancshares, Inc. | $15.50 | +0.00% | $61.82M | 46 |
| CRSB Cornerstone Community Bancorp | $40.00 | +2.56% | $60.44M | 45 |
| FISB 1st Capital Bancorp | $14.00 | +0.72% | $78.48M | 55 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CFGW's Key Strengths?
- Strong local presence in eastern and central Washington.
- High profit margin of 51.0%.
- Established relationships with local businesses and individuals.
- Comprehensive range of banking products and services.
What Are CFGW's Weaknesses?
- Limited geographic diversification.
- High P/E ratio of 78.7 may indicate overvaluation.
- Reliance on traditional banking services.
- Smaller market capitalization compared to larger regional banks.
What Could Drive CFGW Stock Higher?
- Expansion of digital banking services to attract and retain customers.
- Growth in commercial and agricultural lending within its existing geographic footprint.
- Potential strategic acquisitions of smaller community banks in adjacent markets (3-5 years).
- Cross-selling opportunities for wealth management and insurance services.
- Optimization of existing branch network to improve efficiency and customer reach (2-3 years).
What Are the Key Risks for CFGW?
- Financial-distress signal — its Altman Z-Score of 0.64 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 78.7 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Increased competition from larger regional and national banks.
- Fluctuations in interest rates impacting loan profitability.
- Economic downturn in the Pacific Northwest affecting loan performance.
- Increasing regulatory requirements and compliance costs.
- Limited geographic diversification.
What Are the Growth Opportunities for CFGW?
- Expansion of Loan Portfolio: Community Financial Group can grow by expanding its loan portfolio, particularly in commercial and agricultural lending, within its existing geographic footprint. The market for business loans in Washington state is substantial, with small businesses actively seeking financing. By offering competitive rates and personalized service, Wheatland Bank can increase its market share. Timeline: Ongoing.
- Digital Banking Adoption: Enhancing its digital banking platform to attract and retain customers is crucial. The increasing adoption of online and mobile banking presents an opportunity to offer more convenient and efficient services. Investing in user-friendly interfaces and secure platforms can drive customer acquisition and loyalty. Market size: The digital banking market is growing rapidly, with a projected increase in users over the next five years. Timeline: Ongoing.
- Branch Network Optimization: Optimizing its existing network of 14 branches can improve efficiency and customer reach. This includes strategically locating new branches in underserved areas and consolidating or relocating underperforming branches. Market size: Each new branch can potentially serve thousands of customers in its local community. Timeline: 2-3 years.
- Cross-Selling Opportunities: Leveraging its existing customer base to cross-sell additional products and services, such as wealth management and insurance, can increase revenue per customer. By understanding customer needs and offering tailored solutions, Wheatland Bank can deepen customer relationships and generate additional income. Market size: The market for wealth management and insurance services in Washington is significant. Timeline: Ongoing.
- Strategic Acquisitions: Pursuing strategic acquisitions of smaller community banks or financial institutions in adjacent markets can expand its geographic footprint and customer base. This can provide access to new markets and diversify its revenue streams. Market size: The market for community bank acquisitions is active, with numerous opportunities available. Timeline: 3-5 years.
What Opportunities Does CFGW Have?
- Expansion of digital banking services.
- Growth in commercial and agricultural lending.
- Strategic acquisitions of smaller community banks.
- Cross-selling opportunities for wealth management and insurance.
What Threats Does CFGW Face?
- Competition from larger regional and national banks.
- Fluctuations in interest rates.
- Economic downturn in the Pacific Northwest.
- Increasing regulatory requirements.
What Are CFGW's Competitive Advantages?
- Strong local presence and relationships in eastern and central Washington.
- Established brand reputation as a community bank.
- Personalized service and local expertise.
- Long-standing customer relationships.
What Does CFGW Do?
Founded in 1979 and headquartered in Spokane, Washington, Community Financial Group, Inc. functions as the bank holding company for Wheatland Bank. Wheatland Bank provides a comprehensive suite of banking products and services tailored to individuals and businesses. Its offerings encompass checking, savings, and retirement accounts, alongside a diverse array of loan products. These include personal loans, business loans, agricultural financing, and real estate loans. The bank also provides credit cards, cash management, merchant services, and online and mobile banking solutions. Wheatland Bank operates through a network of 14 branches strategically located across eastern and central Washington. This regional focus allows the bank to cultivate strong relationships with its local communities and cater to their specific financial needs. Over the years, Community Financial Group has evolved from a local community bank to a well-established regional player, emphasizing personalized service and local expertise. The company's commitment to its customers and communities has solidified its position as a trusted financial partner in the region.
What Products and Services Does CFGW Offer?
- Provides checking and savings accounts for individuals and businesses.
- Offers personal loans, including auto and secured loans.
- Provides business loans, such as operating lines of credit and term loans.
- Offers commercial and residential real estate loans.
- Provides agricultural financing.
- Offers credit cards.
- Provides cash management and merchant services.
- Offers online and mobile banking services.
How Does CFGW Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as cash management and merchant services.
- Collects interest on deposits.
- Manages risk through underwriting and loan monitoring.
What Industry Does CFGW Operate In?
Community Financial Group, Inc. operates within the regional banking industry, which is characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with customers increasingly demanding online and mobile banking solutions. Community banks like Wheatland Bank face competition from larger national banks, credit unions, and fintech companies. The regional banking sector is also influenced by interest rate fluctuations, regulatory changes, and economic conditions in their specific geographic areas. The company's focus on eastern and central Washington allows it to cater to the specific needs of its local communities.
Who Are CFGW's Key Customers?
- Individuals in eastern and central Washington.
- Small businesses in eastern and central Washington.
- Agricultural businesses in eastern and central Washington.
- Commercial real estate developers in eastern and central Washington.
ROE 8%Key Financial Metrics
Return on equity for Community Financial Group, Inc. stands at 8.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.7%, showing how much profit it generates from its asset base. CFGW trades at a trailing price-to-earnings ratio of 78.69, above the Financial Services sector average of ~18x. Its free cash flow yield is 7.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 1.3%, the inverse of the P/E and a quick read on earnings relative to price.
Community Financial Group, Inc. (CFGW) Valuation Context
Valued at $67.99M, CFGW is classified as a micro-cap stock. Relative to its peer group, CFGW's quantitative score of 59/100 is roughly in line with the peer average of 53/100.
Company Profile
Community Financial Group, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Spokane, US. The company is led by CEO Susan M. Horton CPA, CPA. CFGW has traded publicly since 2013.
F-Score 5/9Financial Health
Community Financial Group, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.64 places it in the distress zone, a signal of elevated financial risk.
CFGW Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in CFGW's future prospects, indicating that key stakeholders believe in the company's potential.
- Community sentiment has turned increasingly positive, with discussions highlighting CFGW's strong community ties and customer loyalty.
- Analysts have noted CFGW's strategic initiatives aimed at expanding its market presence, which could lead to increased revenue streams.
- The overall financial health of CFGW has been perceived as stable, with effective management practices fostering investor trust.
Bear Case
- Some investors express concerns over CFGW's ability to compete with larger financial institutions, fearing it may struggle to gain market share.
- Recent discussions in trading communities have raised red flags about potential regulatory challenges that could impact CFGW's operations.
- Market perception has been cautious, with some analysts highlighting a lack of significant growth catalysts in the near term for CFGW.
- The company has faced criticism regarding its innovation pace, leading some to believe it may lag behind competitors in adapting to market trends.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
CFGW Latest News
No recent news available for CFGW.
CFGW Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CFGW.
Price Targets
Wall Street price target analysis for CFGW.
CFGW MoonshotScore
What does this score mean?
The MoonshotScore rates CFGW's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Susan M. Horton CPA, CPA
CEO
Susan M. Horton is a Certified Public Accountant (CPA) with extensive experience in the financial services industry. Her background includes a strong foundation in accounting and financial management. She has held various leadership positions within Community Financial Group, demonstrating her expertise in banking operations and strategic planning. Her CPA designation underscores her commitment to financial accuracy and regulatory compliance. She manages 151 employees.
Track Record: Under Susan Horton's leadership, Community Financial Group has maintained a strong focus on profitability and customer service. Key achievements include navigating the evolving regulatory landscape and implementing strategies to enhance operational efficiency. She has overseen the expansion of the bank's digital banking capabilities and the strengthening of its relationships with local businesses. Her tenure has been marked by consistent financial performance and a commitment to community engagement.
CFGW OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Community Financial Group, Inc. may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier often have limited financial disclosure and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier typically involves higher risks due to the potential for less transparency and liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Financial Disclosure: Lack of comprehensive and timely financial reporting increases investment risk.
- Low Liquidity: Difficulty in buying or selling shares due to minimal trading volume.
- Price Volatility: Higher potential for significant price swings due to limited trading activity.
- Regulatory Oversight: Reduced regulatory scrutiny compared to major exchanges.
- Information Asymmetry: Potential for less information available to investors compared to listed companies.
- Verify the company's registration and legal standing.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Understand the company's capital structure and potential dilution.
- Monitor trading volume and price activity.
- Consult with a financial advisor to assess suitability.
- Established history of operations since 1979.
- Operation as a bank holding company for Wheatland Bank.
- Network of 14 branches in eastern and central Washington.
- CEO is a Certified Public Accountant (CPA).
- Focus on traditional banking services within its regional market.
What Investors Ask About Community Financial Group, Inc. (CFGW) — Financial Services
What does Community Financial Group, Inc. do?
Community Financial Group, Inc. operates as the bank holding company for Wheatland Bank, providing a range of banking products and services to individuals and businesses in eastern and central Washington. These offerings include checking, savings, and retirement accounts, as well as personal, business, and real estate loans. The company also provides credit cards, cash management, and online banking services, focusing on building strong relationships within its local communities through its network of 14 branches.
What are the main risks for CFGW?
The main risks for Community Financial Group, Inc. include competition from larger regional and national banks, fluctuations in interest rates impacting loan profitability, and the potential for an economic downturn in the Pacific Northwest affecting loan performance. Additionally, increasing regulatory requirements and compliance costs pose ongoing challenges. As an OTC-listed company, CFGW also faces risks related to limited financial disclosure, low liquidity, and price volatility.
What are the key factors to evaluate for CFGW?
Community Financial Group, Inc. (CFGW) holds an AI score of 59/100 (moderate). P/E: 78.7x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CFGW data refresh on this page?
CFGW prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CFGW's recent stock price performance?
Community Financial Group, Inc. (CFGW) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in eastern and central Washington. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CFGW overvalued or undervalued right now?
Community Financial Group, Inc. (CFGW) trades at 78.7x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying CFGW?
Before investing in Community Financial Group, Inc. (CFGW), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding CFGW to a portfolio?
Key strength of Community Financial Group, Inc. (CFGW): Strong local presence in eastern and central Washington. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data is based on available information and may be subject to change.
- OTC market data may have limited availability and accuracy.
- AI analysis is pending and may provide further insights.