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Altabancorp (ALTA) Stock Fundamental Analysis

NASDAQ:ALTA - Nasdaq -

44.16  -0.56 (-1.25%)

After market: 44.16 0 (0%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to ALTA. ALTA was compared to 395 industry peers in the Banks industry. ALTA scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. 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

ALTA had positive earnings in the past year.

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

The Operating Margin and Gross Margin are not available for ALTA so they could not be analyzed.
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

The Earnings Per Share has been growing slightly by 5.17% over the past year.
ALTA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.33% yearly.
The Revenue has decreased by -2.81% in the past year.
Measured over the past years, ALTA shows a quite strong growth in Revenue. The Revenue has been growing by 10.19% on average per year.
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

ALTA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.40% yearly.
Based on estimates for the next years, ALTA will show a small growth in Revenue. The Revenue will grow by 4.19% on average per year.
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

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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

With a Price/Earnings ratio of 18.10, ALTA is valued on the expensive side.
Compared to an average S&P500 Price/Earnings ratio of 24.85, ALTA is valued a bit cheaper.
The Price/Forward Earnings ratio is 19.30, which indicates a rather expensive current valuation of ALTA.
When comparing the Price/Forward Earnings ratio of ALTA to the average of the S&P500 Index (20.89), we can say ALTA is valued inline with the index average.
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 5 10 15 20

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 ALTA does not grow enough to justify the current Price/Earnings ratio.
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.
Compared to the average S&P500 Dividend Yield of 2.40, ALTA is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.54%

5.2 History

ALTA does not have a reliable dividend history as it only pays dividend since a couple or years.
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