Coeur d'Alene Bancorp, Inc. (CDAB)
Coeur d'Alene Bancorp, Inc. operates as the holding company for bankcda that provides banking products and services to commercial and consumer customers. It offers business checking, savings, money market, sweep, and individual retirement accounts, as well as certificates of deposit. The company also provides commercial, commercial and residential real estate, consumer installment loans; personal loans; and small business administration loans. In addition, it offers ACH origination, digital payment, cashier’s checks, courier, merchant, notary, safe deposit box, positive pay, tax payment, wires, and ID TheftSmart services; and credit cards, as well as online banking services. Coeur d'Alene Bancorp, Inc. was founded in 2000 and is headquartered in Coeur d’Alene, Idaho.
Sector: Banks - Regional
Industry: Banks - Regional
Coeur d'Alene Bancorp, Inc.
OTC:CDABFinancial Services · Banks - Regional
Mkt Cap-
Float-
O/S1.9M
Inst Own-
Dilution
Delisting Issues Timeline
Financials Summary
Revenue$12.77M
Net Income$1.58M
Total Assets$242.68M
Free Cash Flow$2.01M
Debt & Equity
Debt 19%
Equity 81%
Total Debt$6.33M
Total Equity$26.3M
Shares Outstanding
Short Interest
Split History
No splits on record
Nothing in CDAB's public trading history: no forward or reverse split has affected the share count.
Balance Sheet Details
Assets$242.68M
Liabilities$216.38M
Accounts Receivable$875K
Accounts Payable$0
Inventory$0
PP&E (Net)$6.21M
Goodwill$42K
Intangible Assets$0
Income Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Revenue | $12.77M | $8.53M | $8.39M | $8.23M | $7.12M | $6.86M | $6.29M | $5.83M |
| YoY Growth | 49.8% | 1.7% | 1.9% | 15.6% | 3.8% | 9.0% | 8.0% | - |
| Cost of Revenue | $3.2M | $0 | -$1.86M | $608K | $356K | $0 | $0 | $0 |
| Gross Profit | $9.57M | $8.53M | $10.25M | $7.62M | $6.76M | $6.86M | $6.29M | $5.83M |
| Gross Margin | 74.9% | 100.0% | 122.2% | 92.6% | 95.0% | 100.0% | 100.0% | 100.0% |
| Research and Development | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Selling, General, and Administrative | $5.18M | $630K | $539K | $494K | $446K | $436K | $357K | $2.54M |
| Other | $2.44M | $5.85M | $5.36M | $4.41M | $4.04M | $3.69M | $1.15M | -$1.47M |
| Total Operating Expenses | $7.61M | $6.48M | $5.9M | $4.91M | $4.48M | $4.13M | $1.5M | $1.47M |
| Operating Income (EBIT) | $1.96M | $2.05M | $2.62M | $2.72M | $2.28M | $1.17M | $1.92M | $1.55M |
| Operating Margin | 15.3% | 24.1% | 31.3% | 33.0% | 32.0% | 17.0% | 30.5% | 26.5% |
| Interest Expense | $2.82M | $3.38M | $1.73M | $608K | $356K | $267K | $322K | $0 |
| Interest Income | $11.8M | $11.01M | $9.61M | $7.35M | $6.14M | $6.09M | $5.57M | $0 |
| Other Income (Expense) | $0 | -$257K | -$2.07M | $0 | $0 | $368K | $0 | $0 |
| Income Before Tax (EBT) | $1.96M | $1.8M | $2.62M | $2.72M | $2.28M | $1.53M | $1.92M | $1.55M |
| Income Tax Expense | $374K | $321K | $504K | $555K | $506K | $243K | $516K | $246K |
| Net Income | $1.58M | $1.48M | $2.12M | $2.16M | $1.78M | $1.29M | $1.4M | $1.3M |
| Net Income Margin | 12.4% | 17.3% | 25.2% | 26.3% | 24.9% | 18.8% | 22.3% | 22.3% |
| Supplementary Data | ||||||||
| EPS | 0.82 | 0.78 | 1.12 | 1.14 | 0.94 | 0.69 | 0.83 | 0.98 |
| Diluted EPS | 0.82 | 0.77 | 1.11 | 1.14 | 0.94 | 0.68 | 0.82 | 0.97 |
| Weighted Average OS | 1.93M | 1.89M | 1.89M | 1.89M | 1.89M | 1.88M | 1.70M | 1.33M |
| EBITDA | $1.96M | $2.28M | $2.96M | $3.08M | $2.6M | $1.56M | $1.96M | $1.55M |
| EBITDA Margin | 15.3% | 26.7% | 35.3% | 37.4% | 36.6% | 22.8% | 31.1% | 26.5% |
Balance Sheet
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Assets | ||||||||
| Current Assets | ||||||||
| Cash and Cash Equivalents | $16.23M | $6.17M | $5.13M | $17.11M | $61.83M | $37.45M | $6.81M | $13.3M |
| Short-Term Investments | $1.95M | $0 | $0 | $0 | $0 | $0 | $2.21M | $0 |
| Cash and Short-Term Investments | $18.18M | $6.17M | $5.13M | $17.11M | $61.69M | $37.45M | $9.03M | $13.3M |
| Accounts Receivable | $875K | $1.02M | $1.14M | $1.06M | $717K | $704K | $0 | $0 |
| Inventory | $0 | $0 | $0 | -$19.43M | -$62.41M | $0 | -$9.61M | $0 |
| Other Current Assets | $0 | $7.19M | -$1.14M | $20.69M | $64.16M | $0 | $10.2M | $0 |
| Total Current Assets | $19.06M | $14.38M | $5.13M | $19.43M | $64.16M | $38.15M | $9.61M | $13.3M |
| Long-Term Assets | ||||||||
| Property, Plant & Equipment Net | $6.21M | $5.96M | $0 | $4.5M | $4.58M | $4.37M | $4.55M | $0 |
| Goodwill | $42K | $42K | $42K | $42K | $42K | $42K | $42K | $0 |
| Intangible Assets | $0 | $0 | $0 | $42K | $0 | $42K | $26K | $0 |
| Long-Term Investments | $212.52M | $80.25M | $116.87M | $1.73M | $2.17M | $2.36M | $2.1M | $0 |
| Deferred Tax Assets | $0 | $0 | $0 | $214.57M | $172.58M | $140.83M | $119.79M | $0 |
| Other Long-Term Assets | $4.85M | $141.29M | $116.26M | $4.1M | $3.9M | $4.08M | $4.32M | $113M |
| Total Long-Term Assets | $223.62M | $227.54M | $233.17M | $224.98M | $183.28M | $151.73M | $130.83M | $113M |
| Other Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Assets | $242.68M | $241.93M | $238.3M | $244.41M | $247.44M | $189.88M | $140.45M | $126.3M |
| Liabilities | ||||||||
| Current Liabilities | ||||||||
| Accounts Payable | $0 | $94K | $83K | $20K | $9K | $12K | $15K | $0 |
| Short-Term Debt | $145K | $2.81M | $0 | $934 | $143K | $143K | $0 | $0 |
| Current Income Tax Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Current Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $0 | $172.91M | $164.29M | $222.6M | $219.47M | -$166K | $95.99M | $0 |
| Total Current Liabilities | $145K | $175.82M | $164.37M | $222.62M | $219.63M | $0 | $96.01M | $0 |
| Long-Term Liabilities | ||||||||
| Long-Term Debt | $4.99M | $17.67M | $16.6M | $4.93M | $5.08M | $236K | $361K | $423K |
| Long-Term Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Liabilities | $210.05M | $5.31M | $201.11M | $33.67M | $34.25M | $31.89M | $24.21M | $114.6M |
| Total Long-Term Liabilities | $216.24M | $22.97M | $217.7M | $38.59M | $39.74M | $32.61M | $25.19M | $115.02M |
| Other Liabilities | $0 | $0 | -$163.53M | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $216.38M | $218.56M | $218.54M | $227.58M | $225.86M | $169.16M | $121.2M | $115.02M |
| Stockholders' Equity | ||||||||
| Preferred Stock | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Common Stock | $9.5M | $9.46M | $9.46M | $9.46M | $9.44M | $9.42M | $9.42M | $11.28M |
| Retained Earnings | $11.61M | $10.41M | $8.94M | $7.61M | $5.99M | $4.22M | $2.92M | $0 |
| Comprehensive Income & Other | -$656K | -$2.26M | -$3.53M | -$5.92M | $499K | $1.47M | $408K | $0 |
| Other Stockholders' Equity | $5.19M | $3.5M | $2.2M | -$227K | $6.15M | $7.09M | $6M | $0 |
| Total Equity | $26.3M | $23.37M | $20.59M | $16.83M | $21.59M | $20.72M | $18.34M | $11.28M |
| Minority Interest | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities and Equity | $242.68M | $241.93M | $239.13M | $244.41M | $247.44M | $189.88M | $139.54M | $126.3M |
| Supplementary Data | ||||||||
| Total Debt | $6.33M | $21.81M | $16.6M | $4.93M | $5.63M | $860K | $981K | $460K |
| Net Debt | -$9.9M | -$6.17M | $11.47M | -$12.19M | -$56.2M | -$36.59M | -$5.83M | -$12.84M |
Cash Flow Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Operating Activities | ||||||||
| Net Income | $1.58M | $1.48M | $2.12M | $2.16M | $1.78M | $1.29M | $1.4M | $1.3M |
| Depreciation & Amortization | $0 | $482K | $337K | $363K | $322K | $396K | $307K | $0 |
| Deferred Income Tax | $0 | $0 | -$109K | $34K | -$7K | -$822K | $0 | $0 |
| Stock-Based Compensation | $0 | $30K | $0 | $25K | $28K | $30K | $56K | $0 |
| Changes in Working Capital: | ||||||||
| Accounts Receivable | $0 | $121K | $0 | $0 | -$13K | -$116K | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Working Capital | -$146K | -$493K | -$395K | -$402K | -$48K | $290K | $0 | $0 |
| Total Working Capital Change | -$146K | -$372K | -$395K | -$402K | -$61K | $174K | -$238K | $0 |
| Other Non-Cash Items | $1.34M | $483K | $712K | $665K | $390K | $1.18M | $331K | -$1.3M |
| Net Cash from Operating | $2.78M | $2.1M | $2.66M | $2.85M | $2.45M | $2.25M | $1.86M | $0 |
| Investing Activities | ||||||||
| Capital Expenditures | -$767K | -$985K | -$59K | -$286K | -$43K | -$120K | -$1.37M | $0 |
| Acquisitions | $0 | $0 | $0 | -$24.36M | $39.23M | $0 | $126K | $0 |
| Purchases of Investments | -$23.54M | -$6.03M | -$9.62M | -$34.15M | -$51.72M | -$26.3M | -$23.44M | $0 |
| Sales of Investments | $38M | $21.72M | $16.28M | $8.58M | $12.49M | $18M | $9.98M | $0 |
| Other Investing Activities | -$492K | -$14.93M | -$11.87M | $21K | -$28.08M | -$12.44M | -$3.86M | $0 |
| Net Cash from Investing | $13.2M | -$222K | -$5.28M | -$50.19M | -$28.12M | -$20.85M | -$18.56M | $0 |
| Financing Activities | ||||||||
| Debt Repaid | - | $2.8M | -$15.5M | $236K | $63K | $62K | $54K | - |
| Common Stock Issuance | $52K | $2K | $0 | $28K | $31K | $0 | $4.79M | $0 |
| Common Stock Repurchases | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Dividends Paid | -$379K | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Financing Activities | $13.24M | $1.97M | -$27.47M | $2.98M | $51.95M | $46.85M | $6.7M | $0 |
| Net Cash from Financing | -$2.48M | -$831K | -$10.87M | $2.77M | $51.92M | $46.78M | $11.43M | $0 |
| Forex Effect | -$13.5M | $0 | $0 | -$17.12M | $0 | $7.28M | $0 | $0 |
| Net Change in Cash | $0 | $1.04M | -$13.49M | -$61.69M | $26.24M | $35.45M | -$5.27M | $0 |
| Supplementary Data | ||||||||
| Operating Cash Flow | $2.78M | $2.1M | $2.66M | $2.85M | $2.45M | $2.25M | $1.86M | $0 |
| Capital Expenditure | -$767K | -$985K | -$59K | -$286K | -$43K | -$120K | -$1.37M | $0 |
| Free Cash Flow | $2.01M | $1.11M | $2.6M | $2.56M | $2.4M | $2.13M | $491K | $0 |
| Cash at Beginning | $0 | $3.64M | $17.12M | $61.69M | $35.45M | $7.28M | $12.55M | $0 |
| Cash at End | $0 | $4.68M | -$13.49M | $17.12M | $61.69M | $35.45M | $7.28M | $0 |