ALLEGIANCE BANCSHARES INC (ABTX) Fundamental Analysis & Valuation

NASDAQ:ABTX • US01748H1077

41.63 USD
-0.36 (-0.86%)
At close: Sep 30, 2022
41.63 USD
0 (0%)
After Hours: 9/30/2022, 8:05:08 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This ABTX fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

ABTX gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. ABTX may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, ABTX is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

0

1. ABTX Profitability Analysis

1.1 Basic Checks

  • In the past year ABTX was profitable.
ABTX Yearly Net Income VS EBIT VS OCF VS FCFABTX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 20M 40M 60M 80M 100M

1.2 Ratios

Industry RankSector Rank
ROA 1.12%
ROE 10.73%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ABTX Yearly ROA, ROE, ROICABTX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2 4 6 8

1.3 Margins

  • ABTX does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 31.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
ABTX Yearly Profit, Operating, Gross MarginsABTX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 10 20 30

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1

2. ABTX Health Analysis

2.1 Basic Checks

  • ABTX does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for ABTX has been increased compared to 1 year ago.
  • Compared to 1 year ago, ABTX has an improved debt to assets ratio.
ABTX Yearly Shares OutstandingABTX Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 5M 10M 15M 20M
ABTX Yearly Total Debt VS Total AssetsABTX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2B 4B 6B

2.2 Solvency

  • ABTX has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.15%
ABTX Yearly LT Debt VS Equity VS FCFABTX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. ABTX Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 3.64% over the past year.
  • ABTX shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.38% yearly.
  • The Revenue has been growing slightly by 5.82% in the past year.
  • Measured over the past years, ABTX shows a quite strong growth in Revenue. The Revenue has been growing by 19.53% on average per year.
EPS 1Y (TTM)3.64%
EPS 3Y16.96%
EPS 5Y19.38%
EPS Q2Q%-28.57%
Revenue 1Y (TTM)5.82%
Revenue growth 3Y20.28%
Revenue growth 5Y19.53%
Sales Q2Q%2.24%

3.2 Future

  • The Earnings Per Share is expected to decrease by -13.10% on average over the next years. This is quite bad
  • The Revenue is expected to grow by 33.42% on average over the next years. This is a very strong growth
EPS Next Y-38.12%
EPS Next 2Y-14.9%
EPS Next 3Y-13.99%
EPS Next 5Y-13.1%
Revenue Next Year25.39%
Revenue Next 2Y33.94%
Revenue Next 3Y33.15%
Revenue Next 5Y33.42%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
ABTX Yearly Revenue VS EstimatesABTX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
ABTX Yearly EPS VS EstimatesABTX Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0 0 0 0

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2

4. ABTX Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.25, the valuation of ABTX can be described as very reasonable.
  • ABTX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.29.
  • The Price/Forward Earnings ratio is 14.37, which indicates a correct valuation of ABTX.
  • ABTX's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.57.
Industry RankSector Rank
PE 11.25
Fwd PE 14.37
ABTX Price Earnings VS Forward Price EarningsABTX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ABTX Per share dataABTX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • A cheap valuation may be justified as ABTX's earnings are expected to decrease with -13.99% in the coming years.
PEG (NY)N/A
PEG (5Y)0.58
EPS Next 2Y-14.9%
EPS Next 3Y-13.99%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. ABTX Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.35%, ABTX has a reasonable but not impressive dividend return.
  • ABTX's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.35%

5.2 History

  • ABTX has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
ABTX Yearly Dividends per shareABTX Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 0.1 0.2 0.3 0.4

5.3 Sustainability

  • ABTX pays out 14.01% of its income as dividend. This is a sustainable payout ratio.
DP14.01%
EPS Next 2Y-14.9%
EPS Next 3Y-13.99%
ABTX Yearly Income VS Free CF VS DividendABTX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 20M 40M 60M 80M 100M
ABTX Dividend Payout.ABTX Dividend Payout, showing the Payout Ratio.ABTX Dividend Payout.PayoutRetained Earnings

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ABTX Fundamentals: All Metrics, Ratios and Statistics

ALLEGIANCE BANCSHARES INC

NASDAQ:ABTX (9/30/2022, 8:05:08 PM)

After market: 41.63 0 (0%)

41.63

-0.36 (-0.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-29
Earnings (Next)10-27
Inst Owners0.16%
Inst Owner Change0%
Ins Owners1.4%
Ins Owner Change0%
Market Cap830.94M
Revenue(TTM)240.20M
Net Income(TTM)75.72M
Analysts76
Price Target48.96 (17.61%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.35%
Yearly Dividend0.48
Dividend Growth(5Y)N/A
DP14.01%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.25
Fwd PE 14.37
P/S 3.46
P/FCF N/A
P/OCF N/A
P/B 1.18
P/tB N/A
EV/EBITDA N/A
EPS(TTM)3.7
EY8.89%
EPS(NY)2.9
Fwd EY6.96%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.03
BVpS35.34
TBVpSN/A
PEG (NY)N/A
PEG (5Y)0.58
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.12%
ROE 10.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.52%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC9.15%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.64%
EPS 3Y16.96%
EPS 5Y19.38%
EPS Q2Q%-28.57%
EPS Next Y-38.12%
EPS Next 2Y-14.9%
EPS Next 3Y-13.99%
EPS Next 5Y-13.1%
Revenue 1Y (TTM)5.82%
Revenue growth 3Y20.28%
Revenue growth 5Y19.53%
Sales Q2Q%2.24%
Revenue Next Year25.39%
Revenue Next 2Y33.94%
Revenue Next 3Y33.15%
Revenue Next 5Y33.42%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

ALLEGIANCE BANCSHARES INC / ABTX FAQ

What is the ChartMill fundamental rating of ALLEGIANCE BANCSHARES INC (ABTX) stock?

ChartMill assigns a fundamental rating of 4 / 10 to ABTX.


What is the valuation status for ABTX stock?

ChartMill assigns a valuation rating of 5 / 10 to ALLEGIANCE BANCSHARES INC (ABTX). This can be considered as Fairly Valued.


Can you provide the profitability details for ALLEGIANCE BANCSHARES INC?

ALLEGIANCE BANCSHARES INC (ABTX) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for ABTX stock?

The Price/Earnings (PE) ratio for ALLEGIANCE BANCSHARES INC (ABTX) is 11.25 and the Price/Book (PB) ratio is 1.18.


What is the expected EPS growth for ALLEGIANCE BANCSHARES INC (ABTX) stock?

The Earnings per Share (EPS) of ALLEGIANCE BANCSHARES INC (ABTX) is expected to decline by -38.12% in the next year.