Community First Bancorporation (CFOK)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Community First Bancorporation (CFOK) with AI Score 49/100 (Weak). Community First Bancorporation operates as the holding company for Community First Bank, providing banking products and services to individuals and businesses. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 15, 2026Community First Bancorporation (CFOK) Financial Services Profile
Community First Bancorporation, operating as Community First Bank, delivers commercial banking solutions across South Carolina and North Carolina. With a focus on deposit accounts, diverse loan products, and digital services, the company serves both personal and business clients. It distinguishes itself through a community-centric approach and a network of full-service and loan production offices.
Investment Thesis
Community First Bancorporation presents a community banking model with a focus on local markets in South Carolina and North Carolina. With a P/E ratio of 10.81 and a profit margin of 11.2%, the company demonstrates profitability within the regional banking sector. Growth catalysts include expanding its digital banking services and increasing its loan portfolio in its existing markets. Potential risks include competition from larger regional and national banks and managing credit risk within its loan portfolio. The company's beta of 0.15 indicates lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.04 billion, reflecting its size within the regional banking sector.
- P/E ratio of 10.81, suggesting a potentially reasonable valuation compared to its earnings.
- Profit margin of 11.2%, indicating efficient operations and profitability.
- Gross margin of 72.2%, reflecting a strong ability to manage the cost of its banking services.
- Beta of 0.15, suggesting lower volatility compared to the overall market.
Competitors & Peers
Strengths
- Strong community focus and customer relationships.
- Established branch network in key markets.
- Diverse range of banking products and services.
- Experienced management team.
Weaknesses
- Limited geographic reach compared to larger banks.
- Smaller asset base may limit lending capacity.
- Dependence on local markets.
- OTC listing may limit investor access.
Catalysts
- Upcoming: Expansion of digital banking services to attract and retain customers.
- Ongoing: Strategic loan growth in commercial and real estate lending to drive revenue.
- Upcoming: Potential partnerships with local businesses and fintech companies to enhance brand recognition and access innovative technologies.
- Upcoming: Geographic expansion into adjacent markets within the Carolinas to drive growth.
- Ongoing: Cross-selling insurance products to existing banking customers to increase customer loyalty and profitability.
Risks
- Potential: Competition from larger regional and national banks.
- Potential: Increasing regulatory scrutiny and compliance costs.
- Potential: Economic downturn in its markets impacting loan performance.
- Potential: Changes in interest rates affecting net interest margin.
- Ongoing: Credit risk associated with its loan portfolio.
Growth Opportunities
- Expansion of Digital Banking Services: Investing in and expanding digital banking services, including mobile banking and online account management, can attract and retain customers. The digital banking market is expected to grow as customers increasingly prefer online and mobile channels. This expansion can lead to increased efficiency and reduced operational costs, enhancing profitability. Timeline: Ongoing.
- Increased Loan Portfolio Growth: Focusing on strategic loan growth, particularly in commercial and real estate lending, can drive revenue growth. Expanding into underserved markets within its geographic footprint can provide additional opportunities. Managing credit risk and maintaining asset quality will be critical to sustainable growth. Timeline: Ongoing.
- Strategic Partnerships: Forming partnerships with local businesses and community organizations can enhance Community First Bancorporation's brand recognition and customer base. Collaborating with fintech companies can provide access to innovative technologies and services. These partnerships can drive customer acquisition and increase market share. Timeline: Upcoming.
- Geographic Expansion: Expanding its branch network or loan production offices into adjacent markets within the Carolinas can drive growth. Identifying markets with strong economic growth and a need for community banking services is crucial. Careful market research and due diligence are necessary to ensure successful expansion. Timeline: Upcoming.
- Insurance Product Expansion: Growing its insurance product offerings, including life, home, auto, health, and pet insurance, can generate additional revenue streams. Cross-selling insurance products to existing banking customers can increase customer loyalty and profitability. Partnering with established insurance providers can provide access to a wider range of products and expertise. Timeline: Ongoing.
Opportunities
- Expansion of digital banking services.
- Strategic partnerships with local businesses.
- Geographic expansion into adjacent markets.
- Increased focus on commercial lending.
Threats
- Competition from larger regional and national banks.
- Increasing regulatory scrutiny.
- Economic downturn in its markets.
- Changes in interest rates.
Competitive Advantages
- Community-focused banking approach fosters customer loyalty.
- Established branch network in key markets provides a competitive advantage.
- Strong local market knowledge and expertise.
- Personalized customer service differentiates it from larger banks.
About CFOK
Founded in 1988 and headquartered in Walhalla, South Carolina, Community First Bancorporation is the bank holding company for Community First Bank. The bank provides a range of commercial banking products and services tailored to personal and business customers. Its offerings include various deposit products such as checking, NOW, and money market accounts, along with certificates of deposit and individual retirement accounts. The company also provides a diverse suite of lending options, including commercial loans (short-term unsecured, real estate mortgage, and secured by stocks, equipment, inventory, and accounts receivable) and consumer loans (home equity, personal expenditure, education, overdraft lines of credit, car, recreational vehicle, and boat loans). Community First Bank enhances its services with debit and credit card offerings, direct deposit, foreign payment and currency exchange, electronic bill payment, remote check deposit, and merchant services. Furthermore, it provides internet and mobile banking, along with insurance products covering life, home, auto, health, and pets. The bank operates eight full-service offices across South Carolina (Walhalla, Seneca, Anderson, Williamston, Westminster, and Greenville) and North Carolina, complemented by loan production offices in Charlotte and Concord, North Carolina.
What They Do
- Offers checking, NOW, money market, and IRA accounts.
- Provides commercial loans for real estate, equipment, and inventory.
- Offers consumer loans including home equity, auto, and personal loans.
- Provides debit and credit card services.
- Offers direct deposit, foreign payment, and currency exchange services.
- Provides electronic bill payment and remote check deposit.
- Offers internet and mobile banking services.
- Provides life, home, auto, health, and pet insurance products.
Business Model
- Generates revenue from interest earned on loans.
- Earns fees from deposit accounts and other banking services.
- Profits from insurance product sales.
- Manages risk through loan underwriting and diversification.
Industry Context
Community First Bancorporation operates within the competitive regional banking industry. The industry is characterized by increasing regulatory scrutiny, technological advancements, and competition from larger national banks and fintech companies. Regional banks like Community First Bancorporation differentiate themselves through personalized customer service and local market knowledge. The industry is seeing a trend toward digital banking solutions and consolidation through mergers and acquisitions.
Key Customers
- Individuals seeking personal banking services.
- Small to medium-sized businesses requiring commercial loans and banking solutions.
- Customers in South Carolina and North Carolina.
- Customers seeking digital banking solutions.
Financials
Chart & Info
Community First Bancorporation (CFOK) stock price: Price data unavailable
Latest News
No recent news available for CFOK.
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CFOK.
Price Targets
Wall Street price target analysis for CFOK.
MoonshotScore
What does this score mean?
The MoonshotScore rates CFOK's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Richard D. Burleson Jr.
CEO
Richard D. Burleson Jr. serves as the CEO of Community First Bancorporation. His background includes extensive experience in the banking industry, with a focus on community banking and financial management. He has held various leadership positions within the company, contributing to its strategic direction and growth. His expertise encompasses commercial lending, risk management, and customer relationship management. He is responsible for overseeing the company's operations and ensuring its financial stability.
Track Record: Under Richard D. Burleson Jr.'s leadership, Community First Bancorporation has focused on expanding its digital banking services and strengthening its presence in key markets. He has overseen the implementation of new technologies and initiatives to enhance customer experience and improve operational efficiency. His strategic decisions have contributed to the company's profitability and growth.
CFOK OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Community First Bancorporation may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting or may be undergoing financial distress. Investing in companies on the OTC Other tier carries a higher degree of risk compared to those listed on major exchanges like the NYSE or NASDAQ due to the limited information available and potential for illiquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure may hinder informed investment decisions.
- Lower trading volume and liquidity can lead to price volatility.
- Potential for financial distress or operational challenges.
- Higher risk of fraud or manipulation compared to exchange-listed stocks.
- Limited regulatory oversight compared to major exchanges.
- Verify the company's financial statements and SEC filings (if available).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Consult with a financial advisor before investing.
- Understand the risks associated with OTC investing.
- Check for any regulatory actions or legal disputes involving the company.
- Established history of operations since 1988.
- Presence of physical branch locations in South Carolina and North Carolina.
- Provision of banking services to personal and business customers.
- Oversight by a board of directors and management team.
- Focus on community banking and local market knowledge.
What Investors Ask About Community First Bancorporation (CFOK)
What does Community First Bancorporation do?
Community First Bancorporation, through its subsidiary Community First Bank, provides a comprehensive suite of banking products and services to individuals and businesses across South Carolina and North Carolina. These offerings include deposit accounts, commercial and consumer loans, and digital banking solutions. The company focuses on building strong customer relationships and providing personalized service within its local markets. Community First Bancorporation operates eight full-service offices and loan production offices, offering a blend of traditional and modern banking services.
What do analysts say about CFOK stock?
As a thinly traded OTC stock, formal analyst coverage of Community First Bancorporation (CFOK) is likely limited. Investors should focus on fundamental analysis, including the company's financial performance, asset quality, and growth prospects. Key valuation metrics include the P/E ratio, profit margin, and gross margin. Investors should also consider the risks associated with OTC investing and the company's competitive landscape.
What are the main risks for CFOK?
Community First Bancorporation faces several risks, including competition from larger regional and national banks, increasing regulatory scrutiny, and economic downturns in its markets. Credit risk associated with its loan portfolio is a significant concern, as is the potential for changes in interest rates to impact its net interest margin. As an OTC-listed company, CFOK also faces liquidity risks and limited financial disclosure requirements.
What is Community First Bancorporation's credit quality and risk management approach?
Community First Bancorporation's credit quality and risk management approach are crucial for maintaining financial stability and profitability. The company's loan portfolio quality is assessed through various metrics, including non-performing loans, loan loss reserves, and charge-off rates. Its risk management frameworks encompass policies and procedures for underwriting, monitoring, and managing credit, operational, and compliance risks. Effective risk management is essential for mitigating potential losses and ensuring the long-term sustainability of the bank.
What regulatory challenges does Community First Bancorporation face?
Community First Bancorporation faces regulatory challenges common to the banking industry, including compliance with federal and state banking regulations. These regulations cover capital requirements, lending practices, and consumer protection. The company must also adhere to regulations related to anti-money laundering and cybersecurity. Compliance costs can be significant, and failure to comply can result in fines and penalties. Navigating the regulatory landscape is essential for maintaining the bank's reputation and financial health.
What are the key factors to evaluate for CFOK?
Community First Bancorporation (CFOK) currently holds an AI score of 49/100, indicating low score. Key strength: Strong community focus and customer relationships.. Primary risk to monitor: Potential: Competition from larger regional and national banks.. This is not financial advice.
How frequently does CFOK data refresh on this page?
CFOK prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven CFOK's recent stock price performance?
Recent price movement in Community First Bancorporation (CFOK) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Strong community focus and customer relationships.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
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.
- Limited information available for OTC-listed companies.
- AI analysis pending may provide further insights in the future.