CCSB Financial Corp. (CCFC)
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.
CCSB Financial Corp. (CCFC) trades at $12.15 with AI Score 45/100 (Grade C). CCSB Financial Corp. (CCFC) is a regional bank headquartered in Liberty, Missouri, offering a comprehensive range of banking services to individual and business clients. Market cap: $8.73M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for CCFC: CCFC 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 CCFC against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CCFC: the 1 perspectives are evenly split.
How is this calculated? →CCSB Financial Corp. (CCFC) Financial Services Profile
CCSB Financial Corp. (CCFC) operates as a regional bank providing a full suite of banking services tailored to individual and business clients in the northern Kansas City area, emphasizing community engagement and personalized service.
What Is the Investment Thesis for CCFC?
CCSB Financial Corp. (CCFC) operates in a niche market, focusing on the northern Kansas City area, which presents unique growth opportunities. The bank's comprehensive range of personal and business banking services positions it well to capture market share among local consumers and businesses. With a market cap of $8.73M and a gross margin of 100%, CCSB demonstrates a strong operational foundation despite a profit margin of -13.8%. The bank's commitment to community engagement and personalized service can drive customer loyalty and retention. However, as an OTC-listed entity, CCFC faces challenges related to lower trading volumes and liquidity, which investors may want to evaluate. Monitoring CCSB's financial performance and regulatory compliance is essential for assessing its long-term viability and growth potential.
Based on FMP financials and quantitative analysis
CCFC Key Highlights
- Market cap of $8.73M indicates a small regional presence.
- Profit margin of -13.8% reflects current financial challenges.
- Gross margin of 100% suggests effective cost management in core banking operations.
- Beta of -0.06 indicates low volatility compared to the market.
- No dividend yield as CCSB focuses on reinvestment for growth.
Who Are CCFC's Competitors?
CCFC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FNB F.N.B. Corporation | $19.16 | +0.71% | $6.82B | 85 |
| BOKF BOK Financial Corporation | $140.16 | +0.62% | $8.52B | 88 |
| 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 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CCFC's Key Strengths?
- Established presence in the northern Kansas City market.
- Comprehensive range of banking services for individuals and businesses.
- Strong customer relationships and community engagement.
What Are CCFC's Weaknesses?
- Negative profit margin indicating current financial challenges.
- Limited geographic reach compared to larger banks.
- Lower trading volume as an OTC-listed company.
What Could Drive CCFC Stock Higher?
- Expansion of digital banking services to attract younger consumers.
- Increased lending activity for small businesses in the region.
- Community engagement initiatives to strengthen brand loyalty.
- Potential diversification into wealth management services.
- Continuous improvement of customer service and operational efficiency.
What Are the Key Risks for CCFC?
- Financial-distress signal — its Altman Z-Score of -0.76 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-5.7%) — 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 downturns affecting loan performance and deposit growth.
- Intense competition from larger regional and national banks.
- Regulatory challenges specific to the banking industry.
- Limited geographic reach compared to larger banks.
- Lower trading volume as an OTC-listed company impacting liquidity.
What Are the Growth Opportunities for CCFC?
- Expansion of Digital Banking Services: CCSB can enhance its online banking platform to attract tech-savvy consumers. The digital banking market is expected to grow significantly, with an estimated CAGR of 10% through 2028. By investing in user-friendly digital solutions, CCSB can capture a larger share of the growing online banking segment.
- Increased Lending for Small Businesses: The demand for small business loans is on the rise, with the market projected to reach $1 trillion by 2027. CCSB can capitalize on this trend by offering competitive loan products and personalized service to local entrepreneurs, fostering long-term relationships and driving growth.
- Community Engagement Initiatives: By increasing its involvement in local events and sponsorships, CCSB can strengthen its brand presence and customer loyalty. Engaging with the community can lead to increased deposits and loan applications, particularly among local businesses and consumers who prioritize community-focused institutions.
- Diversification of Financial Products: CCSB can expand its product offerings to include wealth management and investment services. The wealth management market is expected to grow at a CAGR of 6% through 2025, providing CCSB with an opportunity to attract high-net-worth individuals and diversify its revenue streams.
- Strategic Partnerships with Local Businesses: Collaborating with local businesses for referral programs and co-marketing initiatives can enhance CCSB's visibility and customer acquisition efforts. Such partnerships can lead to increased deposits and loan applications, contributing to overall growth in the competitive regional banking landscape.
What Opportunities Does CCFC Have?
- Growing demand for digital banking services.
- Increasing market for small business loans.
- Potential for diversification into wealth management services.
What Threats Does CCFC Face?
- Intense competition from larger regional and national banks.
- Economic downturns affecting loan performance and deposit growth.
- Regulatory challenges specific to the banking industry.
What Are CCFC's Competitive Advantages?
- Strong community presence and customer relationships foster loyalty.
- Diverse range of banking products tailored to local needs.
- Personalized service differentiates CCSB from larger competitors.
- Established brand reputation built over nearly a century of operation.
- Access to a wide ATM network enhances customer convenience.
What Does CCFC Do?
Founded in 1922, CCSB Financial Corp. serves as the parent company of Clay County Savings Bank, providing a diverse array of banking and financial services. The bank primarily targets individual consumers and business clients in the northern sector of metropolitan Kansas City, Missouri. Over the decades, CCSB has evolved to meet the changing needs of its community, offering a variety of personal banking products such as checking accounts, statement savings, money market accounts, health savings accounts, individual retirement accounts, and certificates of deposit. For lending, CCSB provides home mortgages, home equity lines of credit, closed-end home equity loans, and auto loans, catering to the financial needs of its customers. On the business side, CCSB offers specialized accounts including money market and sweep accounts, along with corporate lending solutions for investment properties, small business financing, construction projects, and broader commercial endeavors. The bank also provides merchant services to support local businesses. CCSB enhances its core offerings with debit and credit cards, robust online banking capabilities, ATM access across an extensive network of approximately 4,200 ATMs, notary services, and signature guarantees. With branches located in Liberty, Kearney, and Kansas City, CCSB Financial Corp. is committed to fostering close customer relationships and supporting the local economy.
What Products and Services Does CCFC Offer?
- Provide personal banking services including checking and savings accounts.
- Offer a variety of lending products such as home mortgages and auto loans.
- Facilitate business banking with specialized accounts and merchant services.
- Deliver comprehensive online banking capabilities for customer convenience.
- Operate physical branches in Liberty, Kearney, and Kansas City.
- Provide access to a network of approximately 4,200 ATMs.
How Does CCFC Make Money?
- Generate revenue through interest on loans and fees from banking services.
- Attract deposits from individual and business clients to fund lending activities.
- Offer competitive interest rates on savings accounts to enhance customer retention.
- Provide additional services such as merchant services and debit/credit card offerings.
- Engage in community activities to strengthen customer relationships and brand loyalty.
What Industry Does CCFC Operate In?
The regional banking sector is characterized by a strong emphasis on community engagement and personalized service. As larger banks continue to consolidate, regional banks like CCSB Financial Corp. can leverage their local knowledge to attract customers seeking tailored financial solutions. The market for regional banks is projected to grow steadily, driven by increasing demand for personalized banking services and local economic development. CCSB's focus on the northern Kansas City area positions it well within this competitive landscape, allowing it to build strong relationships with its customer base.
Who Are CCFC's Key Customers?
- Individual consumers seeking personal banking services.
- Small businesses requiring loans and banking solutions.
- Local entrepreneurs looking for investment and financing options.
- Families interested in savings programs and retirement accounts.
- Community members seeking convenient banking access through branches and ATMs.
ROE -6%Key Financial Metrics
Return on equity for CCSB Financial Corp. stands at -5.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -0.4%, showing how much profit it generates from its asset base. Its free cash flow yield is -4.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.07 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -5.8%, the inverse of the P/E and a quick read on earnings relative to price.
CCSB Financial Corp. (CCFC) Valuation Context
Valued at $8.73M, CCFC is classified as a micro-cap stock. Relative to its peer group, CCFC's quantitative score of 45/100 is below the peer average of 76/100.
Company Profile
CCSB Financial Corp. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Liberty, US. The company is led by CEO Pamela L. Crow. CCFC has traded publicly since 2003.
F-Score 2/9Financial Health
CCSB Financial Corp.'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 -0.76 places it in the distress zone, a signal of elevated financial risk.
CCFC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Established presence in the northern Kansas City market.
- Comprehensive range of banking services for individuals and businesses.
- Strong customer relationships and community engagement.
- Upcoming: Expansion of digital banking services to attract younger consumers.
Bear Case
- Negative profit margin indicating current financial challenges.
- Limited geographic reach compared to larger banks.
- Lower trading volume as an OTC-listed company.
- Potential: Economic downturns affecting loan performance and deposit growth.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
CCFC Latest News
No recent news available for CCFC.
CCFC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CCFC.
Price Targets
Wall Street price target analysis for CCFC.
CCFC MoonshotScore
What does this score mean?
The MoonshotScore rates CCFC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Pamela L. Crow
Chief Executive Officer
Pamela L. Crow has a robust background in banking and financial services, having served in various leadership roles throughout her career. With a focus on community banking, she has dedicated her efforts to enhancing customer service and operational efficiency. Pamela holds a degree in finance and has extensive experience in strategic planning and risk management.
Track Record: Under Pamela's leadership, CCSB Financial Corp. has focused on strengthening its community ties and improving service delivery. She has spearheaded initiatives aimed at enhancing digital banking capabilities and expanding customer outreach, contributing to the bank's growth and stability.
CCFC OTC Market Information
The OTC Other tier represents companies that are not listed on major exchanges like NYSE or NASDAQ, often facing less stringent reporting requirements. This tier includes smaller companies that may have limited liquidity and visibility in the market, which can affect investor confidence and trading activity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower trading volumes can lead to higher volatility in stock price.
- Limited financial disclosures may obscure the company's true performance.
- Regulatory scrutiny may increase for OTC companies, impacting operations.
- Review recent financial statements and performance metrics.
- Assess the company's regulatory compliance and risk management practices.
- Investigate market trends affecting regional banks.
- Evaluate the competitive landscape and CCSB's positioning.
- Monitor community engagement initiatives and customer feedback.
- Established history since 1922 indicates stability and experience.
- Strong local presence with physical branches enhances trust.
- Engagement in community activities fosters positive brand perception.
What Investors Ask About CCSB Financial Corp. (CCFC) — Financial Services
What does CCSB Financial Corp. do?
CCSB Financial Corp. operates as a regional bank, providing a wide range of banking services including personal and business banking. The bank offers checking and savings accounts, various lending products such as mortgages and auto loans, and specialized services for businesses. With a focus on the northern Kansas City area, CCSB aims to meet the financial needs of its community.
What do analysts say about CCFC stock?
Analysts generally view CCSB Financial Corp. as a niche player in the regional banking sector, emphasizing its community-focused approach. While specific analyst ratings and price targets are not provided, key metrics such as the bank's market cap and profit margin are critical for evaluating its performance. Investors may want to evaluate these factors alongside broader market trends affecting regional banks.
What are the main risks for CCFC?
CCSB Financial Corp. faces several risks, including economic downturns that could negatively impact loan performance and deposit growth. Additionally, the bank operates in a highly competitive environment with larger regional and national banks posing significant challenges. Regulatory compliance is another ongoing concern, as changes in regulations can affect operational costs and business strategies.
What are the key factors to evaluate for CCFC?
CCSB Financial Corp. (CCFC) holds an AI score of 45/100 (low). Not financial advice.
How frequently does CCFC data refresh on this page?
CCFC 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 CCFC's recent stock price performance?
CCSB Financial Corp. (CCFC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in the northern Kansas City market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CCFC overvalued or undervalued right now?
Valuing CCSB Financial Corp. (CCFC) 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 CCFC?
Before investing in CCSB Financial Corp. (CCFC), 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.
- Data is based on available information and may not reflect the most current developments.