CBSHCommerce Bancshares, Inc.

$54.36-2.1% 1Y

Is the business good?

Mixed

The checks split: margins widening, but returns that lean on debt.

1 good, 1 to watch, 2 without data
Margin direction, 3 years+3.8 pts

Operating profit is falling even as sales grow, costs are outrunning the top line.

Where ROE comes from8.4× leverage

Leverage-amplified, a high assets-to-equity ratio does much of the work. ROE 14% = margin × turnover × leverage.

All from derived.

Where this answer is blind. The F-score rewards improvement, so an already-elite company can score mid-pack.