Complete Financial Solutions, Inc. (CFSU)
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.
Complete Financial Solutions, Inc. (CFSU) trades at $0.12 with AI Score 51/100 (Grade B). Complete Financial Solutions, Inc. is a financial services company offering mortgage origination, protection products, and small business services. Market cap: $117.90M, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for CFSU: CFSU 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 CFSU against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
CFSU: the 6 perspectives are evenly split. Dominant signal: Izzy Englander bullish.
How is this calculated? →Complete Financial Solutions, Inc. (CFSU) Financial Services Profile
Complete Financial Solutions, Inc. (CFSU) operates in the U.S. financial services sector, specializing in mortgage origination, protection products, and small business services. With a high profit margin and focus on diverse financial solutions, CFSU navigates a competitive landscape against larger, more diversified financial institutions and smaller mortgage specialists.
What Is the Investment Thesis for CFSU?
Complete Financial Solutions, Inc. presents a mixed investment case. The company's high profit margin of 20690269.4% and 100% gross margin suggest efficient operations, but its OTC listing introduces liquidity and regulatory risks. With a market capitalization of $117.90M and a P/E ratio of 11.13, the company appears undervalued relative to earnings, but the negative beta of -23.75 indicates an inverse correlation with the market, which could be seen as both a risk and an opportunity. Growth catalysts include expanding its range of financial services and capitalizing on the fragmented small business services market. However, the lack of dividend payments may deter some investors.
Based on FMP financials and quantitative analysis
CFSU Key Highlights
- Market capitalization of $117.90M indicates a small-cap company with potential for growth but also higher volatility.
- P/E ratio of 11.13 suggests the company may be undervalued compared to its earnings.
- Profit margin of 20690269.4% indicates high profitability, but the magnitude warrants further investigation for accuracy and sustainability.
- Gross margin of 100.0% suggests efficient cost management in its service offerings.
- Beta of -23.75 indicates an inverse correlation with the market, potentially offering diversification benefits but also raising questions about the business model's stability.
Who Are CFSU's Competitors?
CFSU is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| COSG Grand Gallery Inc | $0.06 | +0.00% | $263.69M | 39 |
| FMBM F & M Bank Corp. | $37.58 | +1.29% | $133.75M | 52 |
| FMBN Farmers & Merchants Bancshares, Inc. | $44.00 | +0.00% | $145.19M | 51 |
| SNFCA Security National Financial Corporation | $9.86 | +1.39% | $221.25M | 73 |
| BETRW Better Home & Finance Holding Company | $0.20 | -1.46% | $441.57M | 69 |
| ECPG Encore Capital Group, Inc. | $89.85 | -0.84% | $1.93B | 66 |
| VRTB Vestin Realty Mortgage II, Inc. | $3105.00 | +19.42% | $7.26M | 66 |
| FMCKN Federal Home Loan Mortgage Corporation | $9.15 | +0.00% | $3.89B | 52 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CFSU's Key Strengths?
- Diversified financial service offerings.
- Established mortgage origination process.
- High profit margin (though needs verification).
- Focus on small business services.
What Are CFSU's Weaknesses?
- OTC listing introduces liquidity and regulatory risks.
- Small market capitalization limits access to capital.
- Negative beta indicates potential market instability.
- Dependence on mortgage market fluctuations.
What Could Drive CFSU Stock Higher?
- Expansion of service offerings to attract new customers and increase revenue streams.
- Strategic partnerships to expand market reach and generate new leads.
- Potential acquisitions of smaller financial service providers to accelerate growth.
- Technology adoption to improve efficiency and customer service.
What Are the Key Risks for CFSU?
- Negative return on equity (-3.1%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 2/9 flags soft profitability, leverage or efficiency.
- Economic downturn impacting mortgage demand and small business activity.
- Increased competition from larger financial institutions and fintech companies.
- Regulatory changes affecting the financial services industry.
- Interest rate fluctuations impacting mortgage profitability.
- OTC listing introduces liquidity and regulatory risks.
What Are the Growth Opportunities for CFSU?
- Expansion of Small Business Services: The market for small business accounting and tax preparation services is highly fragmented. Complete Financial Solutions can capitalize on this by expanding its service offerings and marketing efforts to attract more small business clients. This includes offering bundled services, leveraging technology for efficiency, and providing personalized financial advice. The market size for small business accounting services is estimated to be worth billions of dollars annually.
- Cross-Selling Financial Products: Complete Financial Solutions can leverage its existing mortgage customer base to cross-sell other financial products, such as annuities, life insurance, and long-term care insurance. By offering a comprehensive suite of financial solutions, the company can increase customer lifetime value and generate additional revenue streams. This strategy requires effective marketing and sales efforts, as well as a deep understanding of customer needs and preferences.
- Strategic Partnerships: Forming strategic partnerships with real estate agents, builders, and other industry players can help Complete Financial Solutions expand its reach and generate new leads. These partnerships can provide access to a wider pool of potential customers and create mutually beneficial relationships. For example, partnering with a real estate agent can provide a steady stream of mortgage referrals.
- Technology Adoption: Investing in technology can help Complete Financial Solutions streamline its operations, improve customer service, and reduce costs. This includes implementing online mortgage application platforms, automating accounting processes, and using data analytics to identify trends and opportunities. Technology adoption can also enhance the customer experience and make it easier for customers to access and manage their financial information.
- Geographic Expansion: While currently focused on the United States, Complete Financial Solutions could explore opportunities for geographic expansion into new markets. This could involve opening new branches, acquiring existing businesses, or forming partnerships with local financial institutions. Geographic expansion can help the company diversify its revenue streams and reduce its reliance on any single market. However, it also requires careful planning and execution to ensure success.
What Opportunities Does CFSU Have?
- Expansion of small business services.
- Cross-selling financial products to existing customers.
- Strategic partnerships with real estate agents and builders.
- Adoption of technology to streamline operations.
What Threats Does CFSU Face?
- Economic downturn impacting mortgage demand.
- Increased competition from larger financial institutions.
- Regulatory changes affecting the financial services industry.
- Interest rate fluctuations impacting mortgage profitability.
What Are CFSU's Competitive Advantages?
- Diversified service offerings provide a broader revenue base and customer reach.
- Established presence in the mortgage market with expertise in origination and processing.
- Focus on small business services creates a niche market with growth potential.
What Does CFSU Do?
Complete Financial Solutions, Inc., established in 2003 and based in Spokane, Washington, operates as a financial services company in the United States. Originally named MortgageZone Inc., the company rebranded to Complete Financial Solutions, Inc. in October 2006 following a reorganization. The company's core business involves originating, processing, closing, and funding mortgage applications. Beyond mortgages, Complete Financial Solutions offers a suite of protection products to mortgage customers, including insurance and warranty options. The company also provides small business accounting and tax preparation services, catering to the financial needs of entrepreneurs and small business owners. Additionally, Complete Financial Solutions offers banking, legal, and credit solutions, aiming to be a one-stop-shop for its customers' financial needs. The company also provides annuities, life insurance, long term care, and dental insurance services. By offering a diverse range of financial services, Complete Financial Solutions aims to capture a broader market share and build lasting relationships with its clients.
What Products and Services Does CFSU Offer?
- Originates, processes, closes, and funds mortgage applications.
- Offers protection products to mortgage customers.
- Provides small business accounting and tax preparation services.
- Offers banking, legal, and credit solutions.
- Provides annuities.
- Offers life, long term care, and dental insurance services.
How Does CFSU Make Money?
- Generates revenue through fees and interest income from mortgage origination and servicing.
- Earns commissions from the sale of protection products, annuities, and insurance services.
- Charges fees for small business accounting and tax preparation services.
- Provides banking, legal, and credit solutions for fees.
What Industry Does CFSU Operate In?
Complete Financial Solutions operates within the financial services industry, specifically focusing on mortgages and related services. The mortgage industry is influenced by interest rates, economic growth, and housing market trends. Competition includes larger, diversified financial institutions and smaller, specialized mortgage providers. The market for small business accounting and tax preparation services is fragmented, offering opportunities for growth. Regulatory changes and compliance costs also impact the industry. The company's success depends on its ability to adapt to changing market conditions and maintain a competitive edge through its diverse service offerings.
Who Are CFSU's Key Customers?
- Individuals seeking mortgage financing for home purchases or refinancing.
- Small business owners needing accounting, tax preparation, and financial advice.
- Individuals seeking insurance products, annuities, and other financial planning services.
F-Score 2/9Financial Health
Complete Financial Solutions, Inc.'s Piotroski F-Score is 2/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 31.96 places it in the safe zone, indicating low near-term bankruptcy risk.
CFSU Valuation & Market Position
With a $117.90M market cap, Complete Financial Solutions, Inc. sits in the micro-cap segment of the market. Relative to its peer group, CFSU's quantitative score of 51/100 is roughly in line with the peer average of 57/100.
ROE -3%Key Financial Metrics
Return on equity for Complete Financial Solutions, Inc. stands at -3.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -1.7%, showing how much profit it generates from its asset base. Its free cash flow yield is -0.2%, 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.
Company Profile
Complete Financial Solutions, Inc. operates in the Financial - Mortgages industry within the Financial Services sector. It is headquartered in Spokane, US. The company is led by CEO Allen C. Ringer. CFSU has traded publicly since 2013.
CFSU Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests those in the know see value, a classic bullish signal.
- The community's overall positive sentiment indicates strong belief in CFSU's future prospects.
- Market perception seems to be shifting favorably, with more mentions of potential growth drivers.
- Bullish community members highlight CFSU's strategic positioning within its sector.
Bear Case
- Recent insider selling, even if minor, can create uncertainty and dampen investor enthusiasm.
- A segment of the community expresses concern about increasing competition impacting CFSU's market share.
- Negative news cycles have temporarily impacted market perception of CFSU's stability.
- Bearish community members point to potential regulatory hurdles that could slow down CFSU's expansion plans.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
CFSU Latest News
No recent news available for CFSU.
CFSU Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CFSU.
Price Targets
Wall Street price target analysis for CFSU.
CFSU MoonshotScore
What does this score mean?
The MoonshotScore rates CFSU's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Allen C. Ringer
CEO
Information on Allen C. Ringer's background is not available in the provided context. Without additional data, it is impossible to provide details on his career history, education, or previous roles. Further research would be needed to create a comprehensive profile.
Track Record: Due to the lack of available information on Allen C. Ringer's background, it is impossible to assess his track record or provide details on key achievements, strategic decisions, or company milestones under his leadership.
CFSU OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Complete Financial Solutions may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and performance. Investing in companies on the OTC Other tier carries a higher degree of risk compared to companies listed on major exchanges like the NYSE or NASDAQ due to the lack of regulatory oversight and transparency.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases information asymmetry and makes it harder to assess the company's true financial health.
- Low trading volume and liquidity can lead to significant price volatility and difficulty in executing trades.
- OTC listing indicates a higher risk of fraud or mismanagement compared to companies listed on major exchanges.
- Lack of regulatory oversight and compliance requirements increases the potential for operational and financial irregularities.
- Limited analyst coverage and institutional interest can result in less efficient price discovery and greater price swings.
- Verify the accuracy and completeness of the company's financial statements.
- Assess the company's management team and their track record.
- Evaluate the company's business model and competitive landscape.
- Determine the company's compliance with relevant regulations.
- Analyze the company's capital structure and debt levels.
- Understand the company's ownership structure and potential conflicts of interest.
- Consult with a qualified financial advisor before investing.
- The company has been in operation since 2003, suggesting a degree of stability.
- The company offers a range of financial services, indicating a diversified business model.
- The company has a high profit margin, suggesting efficient operations (though this needs verification).
Complete Financial Solutions, Inc. Financial Services Stock: Key Questions Answered
What does Complete Financial Solutions, Inc. do?
Complete Financial Solutions, Inc. operates as a financial services company in the United States, focusing on mortgage origination, protection products, and small business services. The company originates, processes, closes, and funds mortgage applications. It also offers protection products to mortgage customers and provides small business accounting and tax preparation services. Additionally, Complete Financial Solutions offers banking, legal, and credit solutions, as well as annuities, life insurance, long-term care, and dental insurance services. This diversified approach aims to serve a wide range of financial needs for individuals and small businesses.
What do analysts say about CFSU stock?
As of 2026-03-17, there is no available analyst coverage for Complete Financial Solutions, Inc. (CFSU). The company's OTC listing and small market capitalization of $117.90M likely contribute to the lack of analyst interest. Investors should conduct their own due diligence and consider the company's financial performance, growth prospects, and risk factors before making any investment decisions. The high profit margin warrants further investigation to ensure its sustainability.
What are the main risks for CFSU?
Complete Financial Solutions, Inc. faces several risks, including its OTC listing, which introduces liquidity and regulatory concerns. Economic downturns could significantly impact mortgage demand and small business activity, affecting revenue. Increased competition from larger financial institutions and fintech companies poses a threat to market share. Regulatory changes in the financial services industry could increase compliance costs and limit profitability. Interest rate fluctuations could also impact mortgage profitability. Investors should carefully consider these risks before investing in CFSU.
What are the key factors to evaluate for CFSU?
Complete Financial Solutions, Inc. (CFSU) holds an AI score of 51/100 (moderate). Not financial advice.
How frequently does CFSU data refresh on this page?
CFSU 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 CFSU's recent stock price performance?
Complete Financial Solutions, Inc. (CFSU) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified financial service offerings. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CFSU overvalued or undervalued right now?
Valuing Complete Financial Solutions, Inc. (CFSU) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying CFSU?
Before investing in Complete Financial Solutions, Inc. (CFSU), 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).
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 on CEO Allen C. Ringer.
- High profit margin warrants further investigation for accuracy and sustainability.
- OTC listing introduces additional risks and uncertainties.