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Altabancorp (ALTA) Stock Fundamental Analysis

NASDAQ:ALTA -

44.16
-0.56 (-1.25%)
Last: 9/30/2021, 8:17:29 PM
44.16
0 (0%)
After Hours: 9/30/2021, 8:17:29 PM
Fundamental Rating

2

Taking everything into account, ALTA scores 2 out of 10 in our fundamental rating. ALTA was compared to 393 industry peers in the Banks industry. While ALTA seems to be doing ok healthwise, there are quite some concerns on its profitability. While showing a medium growth rate, ALTA is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

In the past year ALTA was profitable.

1.2 Ratios

Industry RankSector Rank
ROA 1.26%
ROE 12.01%
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

ALTA 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) 36.25%
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

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2. Health

2.1 Basic Checks

ALTA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

There is no outstanding debt for ALTA. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

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

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3. Growth

3.1 Past

ALTA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.17%.
The Earnings Per Share has been growing by 15.33% on average over the past years. This is quite good.
ALTA shows a decrease in Revenue. In the last year, the revenue decreased by -2.81%.
ALTA shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.19% yearly.
EPS 1Y (TTM)5.17%
EPS 3Y15.83%
EPS 5Y15.33%
EPS Q2Q%38.18%
Revenue 1Y (TTM)-2.81%
Revenue growth 3Y9.9%
Revenue growth 5Y10.19%
Sales Q2Q%-4.12%

3.2 Future

The Earnings Per Share is expected to grow by 3.40% on average over the next years.
ALTA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.19% yearly.
EPS Next Y2.44%
EPS Next 2Y-0.26%
EPS Next 3Y3.5%
EPS Next 5Y3.4%
Revenue Next Year-4.43%
Revenue Next 2Y1.33%
Revenue Next 3Y3.04%
Revenue Next 5Y4.19%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ALTA Yearly Revenue VS EstimatesALTA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
ALTA Yearly EPS VS EstimatesALTA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 18.10 indicates a rather expensive valuation of ALTA.
Compared to an average S&P500 Price/Earnings ratio of 26.76, ALTA is valued a bit cheaper.
With a Price/Forward Earnings ratio of 19.30, ALTA is valued on the expensive side.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.91, ALTA is valued a bit cheaper.
Industry RankSector Rank
PE 18.1
Fwd PE 19.3
ALTA Price Earnings VS Forward Price EarningsALTA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ALTA Per share dataALTA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)7.41
PEG (5Y)1.18
EPS Next 2Y-0.26%
EPS Next 3Y3.5%

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.54%, ALTA has a reasonable but not impressive dividend return.
ALTA's Dividend Yield is slightly below the S&P500 average, which is at 2.36.
Industry RankSector Rank
Dividend Yield 1.54%

5.2 History

ALTA is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
ALTA Yearly Dividends per shareALTA Yearly Dividends per shareYearly Dividends per share 2020 2021 0.2 0.4 0.6 0.8

5.3 Sustainability

24.54% of the earnings are spent on dividend by ALTA. This is a low number and sustainable payout ratio.
DP24.54%
EPS Next 2Y-0.26%
EPS Next 3Y3.5%
ALTA Dividend Payout.ALTA Dividend Payout, showing the Payout Ratio.ALTA Dividend Payout.PayoutRetained Earnings

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Altabancorp

NASDAQ:ALTA (9/30/2021, 8:17:29 PM)

After market: 44.16 0 (0%)

44.16

-0.56 (-1.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.8%
Inst Owner Change0%
Ins Owners1.29%
Ins Owner Change0%
Market Cap834.05M
Analysts60
Price Target45.22 (2.4%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.54%
Yearly Dividend0.68
Dividend Growth(5Y)N/A
DP24.54%
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 18.1
Fwd PE 19.3
P/S 6.79
P/FCF N/A
P/OCF N/A
P/B 2.25
P/tB N/A
EV/EBITDA N/A
EPS(TTM)2.44
EY5.53%
EPS(NY)2.29
Fwd EY5.18%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS6.5
BVpS19.62
TBVpSN/A
PEG (NY)7.41
PEG (5Y)1.18
Profitability
Industry RankSector Rank
ROA 1.26%
ROE 12.01%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.25%
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
ROICexcg growth 3Y0%
ROICexcg 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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
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-Score4
WACCN/A
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)5.17%
EPS 3Y15.83%
EPS 5Y15.33%
EPS Q2Q%38.18%
EPS Next Y2.44%
EPS Next 2Y-0.26%
EPS Next 3Y3.5%
EPS Next 5Y3.4%
Revenue 1Y (TTM)-2.81%
Revenue growth 3Y9.9%
Revenue growth 5Y10.19%
Sales Q2Q%-4.12%
Revenue Next Year-4.43%
Revenue Next 2Y1.33%
Revenue Next 3Y3.04%
Revenue Next 5Y4.19%
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