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Market Price

105.50 

0.00 0.0%

as of Jun 24 '19

52 Week Range:

100.62 106.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

CoBank, ACB, a co-operative bank, provides financial products and services in the United States. It operates through three segments: Agribusiness, Strategic Relationships, and Rural Infrastructure. The company offers loans to finance assets, inventories, accounts receivable, commodities, and other short-term needs; and for the construction of new facilities, remodeling or expanding existing facilities, purchase of land or equipment, mergers and acquisitions, long-term assets, and working capital, as well as refinanced program. Its lease financing solutions include passenger and commercial transportation vehicles, agricultural tools and equipment, production equipment, and facilities. In addition, the company provides agricultural export financing for agricultural commodities and equipment, as well as other trade financial services; and risk mitigation tools and financing services, such as letters of credit, short-term financing, and loan syndication. Further, it offers syndicated finance; private placements; tax-exempt bond financing for facilities and equipment related to industrial development, agricultural by-products, and environmentally-related capital expenditures; and asset securitization services. Additionally, the company provides cash and credit management, online banking, and data security services; and public-private partnerships, as well as mobile banking, commercial credit card, and merchant card processing solutions. The company serves agricultural cooperatives; other food and agribusiness companies; rural power, communications, and water cooperatives and companies; rural community facilities; farmer-owned financial institutions; and other businesses. CoBank, ACB was founded in 1916 and is headquartered in Greenwood Village, Colorado.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Avg.PE 3.31
3.22
growth rate -2.7%
Balance Sheet Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Cur.Assets 2,659.93
3,756.12
3,743.62
3,686.01
4,353.40
growth rate 41.2% -0.3% -1.5% 18.1%
Total Assets 107,381.09
117,470.57
126,130.63
129,210.81
139,015.66
growth rate 9.4% 7.4% 2.4% 7.6%
Cash 1,855.63
3,113.10
2,410.52
2,348.62
2,668.08
growth rate 67.8% -22.6% -2.6% 13.6%
Inventory 0.23
15.58
0.02
0.00
0.00
growth rate 6,673.5% -99.9% -84.2% 0.0%
Cur.Liabilities 17,992.69
17,264.12
14,164.88
17,471.07
59,396.14
growth rate -4.1% -18.0% 23.3% 240.0%
Liabilities 100,011.43
109,660.10
117,556.87
120,150.74
129,480.72
growth rate 9.7% 7.2% 2.2% 7.8%
LT Debt 80,836.68
91,020.75
101,873.70
101,341.28
68,834.18
growth rate 12.6% 11.9% -0.5% -32.1%
Equity 6,244.66
6,685.47
7,073.76
7,560.08
8,034.93
growth rate 7.1% 5.8% 6.9% 6.3%
Common Shares 2,768.55
2,899.73
3,072.23
3,240.45
3,415.65
growth rate 4.7% 6.0% 5.5% 5.4%
Cash Flow Statement Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 27.90
48.16
2.99
growth rate 72.6% -93.8%
Cash Dividends 401.72
432.76
486.50
556.08
580.61
growth rate 7.7% 12.4% 14.3% 4.4%
Cash From OA 910.99
971.93
1,011.14
1,016.24
1,464.33
growth rate 6.7% 4.0% 0.5% 44.1%
Sale Purchase of Stock 35.76
65.62
87.36
75.53
growth rate 83.5% 33.1% -13.5%
FCF 883.09
923.76
1,008.15
growth rate 4.6% 9.1%
Income Statement Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 1,429.25
1,470.56
1,517.86
1,568.15
1,669.98
growth rate 2.9% 3.2% 3.3% 6.5%
Op.Income 1,125.45
1,145.25
1,138.16
1,182.47
1,306.17
growth rate 1.8% -0.6% 3.9% 10.5%
IBT 1,067.14
1,107.79
1,103.96
1,140.39
1,291.15
growth rate 3.8% -0.4% 3.3% 13.2%
Net Income 904.27
936.67
945.68
1,125.32
1,190.78
growth rate 3.6% 1.0% 19.0% 5.8%
Gross Profit 1,429.25
1,470.56
1,517.86
1,568.15
1,669.98
growth rate 2.9% 3.2% 3.3% 6.5%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Balance Sheet
Cur.Assets 3,374.04
3,542.28
2,635.67
4,353.40
3,210.21
growth rate 5.0% -25.6% 65.2% -26.3%
Total Assets 133,401.57
131,201.02
128,004.04
139,015.66
138,346.67
growth rate -1.7% -2.4% 8.6% -0.5%
Cash 1,023.05
1,057.69
645.82
2,668.08
693.38
growth rate 3.4% -38.9% 313.1% -74.0%
Inventory 10.76
0.00
8.80
growth rate -93.5% 293,266.7%
Cur.Liabilities 1,191.43
1,510.39
1,669.40
59,396.14
1,492.87
growth rate 26.8% 10.5% 3,457.9% -97.5%
Liabilities 124,425.55
122,100.71
118,945.62
129,480.72
128,538.70
growth rate -1.9% -2.6% 8.9% -0.7%
LT Debt 123,158.41
120,508.17
117,172.34
68,834.18
126,968.47
growth rate -2.2% -2.8% -41.3% 84.5%
Equity 7,476.02
7,600.31
7,558.43
8,034.93
8,307.97
growth rate 1.7% -0.6% 6.3% 3.4%
Common Shares 3,240.29
3,273.05
3,303.90
3,415.65
3,404.86
growth rate 1.0% 0.9% 3.4% -0.3%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Cash Dividends 509.64
27.31
15.96
27.70
491.10
growth rate -94.6% -41.5% 73.5% 1,673.0%
Cash From OA 342.43
350.36
315.32
456.22
128.39
growth rate 2.3% -10.0% 44.7% -71.9%
Sale Purchase of Stock
growth rate
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 408.02
476.97
399.95
385.04
397.54
growth rate 16.9% -16.2% -3.7% 3.3%
Op.Income 323.39
388.92
311.36
282.49
304.59
growth rate 20.3% -19.9% -9.3% 7.8%
IBT 317.84
388.58
307.81
276.92
302.96
growth rate 22.3% -20.8% -10.0% 9.4%
Net Income 284.41
361.42
291.30
253.65
272.49
growth rate 27.1% -19.4% -12.9% 7.4%
Gross Profit 408.02
476.97
399.95
385.04
397.54
growth rate 16.9% -16.2% -3.7% 3.3%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (41.71)

YOY Growth Grade:

E (32.03)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 3.30 3.30
EPS / Growth 32.00

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 6.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 6.4% 6.4% 6.4%
Future PE 0.01 2.20 5.38
Future EPS 59.61 59.61 59.61
Value Price
MOS %
0.15
-99.9%
32.46
-69.2%
79.32
-24.8%
MOS Price 0.07 16.23 39.66
IRT 2.91 2.91 2.91

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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