ALLEGIANCE BANCSHARES INC (ABTX)
US01748H1077 - Common Stock
Taking everything into account, ABTX scores 3 out of 10 in our fundamental rating. ABTX was compared to 411 industry peers in the Banks industry. ABTX has a bad profitability rating. Also its financial health evaluation is rather negative. ABTX is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
ABTX had positive earnings in the past year.
Each year in the past 5 years ABTX has been profitable.
ABTX had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
| Industry Rank | Sector 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
1.3 Margins
The Operating Margin and Gross Margin are not available for ABTX so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
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.
2.2 Solvency
A Debt/Equity ratio of 0.15 indicates that ABTX is not too dependend on debt financing.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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.
Looking at the last year, ABTX shows a small growth in Revenue. The Revenue has grown by 5.82% in the last 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 growth Q2Q-28.57%
Revenue 1Y (TTM)5.82%
Revenue growth 3Y20.28%
Revenue growth 5Y19.53%
Revenue growth Q2Q2.24%
3.2 Future
Based on estimates for the next years, ABTX will show a very negative growth in Earnings Per Share. The EPS will decrease by -13.10% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.25, the valuation of ABTX can be described as reasonable.
ABTX is valuated cheaply when we compare the Price/Earnings ratio to 25.20, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 14.37, which indicates a correct valuation of ABTX.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.63, ABTX is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.25 | ||
| Fwd PE | 14.37 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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%
5. Dividend
5.1 Amount
ABTX has a Yearly Dividend Yield of 1.35%.
Compared to an average S&P500 Dividend Yield of 2.44, ABTX's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.35% |
5.2 History
ABTX has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
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%
ALLEGIANCE BANCSHARES INC
NASDAQ:ABTX (9/30/2022, 7:05:08 PM)
After market: 41.63 0 (0%)41.63
-0.36 (-0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap830.94M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.35% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.25 | ||
| Fwd PE | 14.37 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.58
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.12% | ||
| ROE | 10.73% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 31.52% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)3.64%
EPS 3Y16.96%
EPS 5Y
EPS growth Q2Q
EPS Next Y-38.12%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)5.82%
Revenue growth 3Y20.28%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y