CrossFirst Bankshares, Inc. CFB

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
53/100
Moderate

Ranked against 399 peers in Banks - Regional

Key strengths

  • Strong Capital Position Capital position is strong (score 0.79), exceeding regulatory minimums.

Key risks

  • Credit Quality Concerns Credit quality is concerning (asset quality score 0.00).
  • Revenue Concentration Risk Revenue concentration is concerning (growth stability 0.00).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
49
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where CFB ranks in Banks - Regional

CrossFirst Bankshares, Inc. ranks #176 of 393 scored companies in Banks - Regional by moat score — the top 45%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
172 Farmers National Banc Corp. FMNB 53/100 Moderate
173 Nu Holdings Ltd. NU 53/100 Moderate
174 BanColombia S.A. CIB 53/100 Moderate
175 Associated Banc-Corp ASB 53/100 Moderate
176 CrossFirst Bankshares, Inc. CFB 53/100 Moderate
177 Popular, Inc. BPOP 52/100 Moderate
178 Central Plains Bancshares, Inc. CPBI 52/100 Moderate
179 Itau Unibanco Banco Holding SA ITUB 52/100 Moderate
180 PFIS PFIS 52/100 Moderate

See every Banks & Lenders company ranked by moat score →

How CFB scores on the Bank Specialized defenses

Deposit Franchise

Score 49 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 36 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 71 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 72 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 50 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 0 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding CFB's moat

What is CrossFirst Bankshares, Inc.'s moat score?

CrossFirst Bankshares, Inc. (CFB) scores 52 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as moderate. It ranks #176 of 393 scored companies in Banks - Regional, the top 45%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Cost Discipline (72/100) and its weakest is Risk Management (0/100).

How does CrossFirst Bankshares, Inc. compare with other Banks - Regional companies?

CrossFirst Bankshares, Inc. ranks #176 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Associated Banc-Corp (ASB) at 52 just above it and Popular, Inc. (BPOP) at 52 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is CrossFirst Bankshares, Inc. scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for CrossFirst Bankshares, Inc.?

The Bank Specialized template measures 6 defenses, and CFB scores: Deposit Franchise (49), Lending Advantage (36), Capital Strength (71), Cost Discipline (72), Revenue Diversification (50), Risk Management (0). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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