CBTX INC (CBTX) Fundamental Analysis & Valuation

NASDAQ:CBTX • US12481V1044

Current stock price

29.25 USD
-0.42 (-1.42%)
At close:
29.25 USD
0 (0%)
After Hours:

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

0

1. CBTX Profitability Analysis

1.1 Basic Checks

  • CBTX had positive earnings in the past year.
CBTX Yearly Net Income VS EBIT VS OCF VS FCFCBTX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M 50M

1.2 Ratios

Industry RankSector Rank
ROA 0.84%
ROE 6.87%
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
CBTX Yearly ROA, ROE, ROICCBTX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2 4 6 8

1.3 Margins

  • CBTX 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) 24.43%
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
CBTX Yearly Profit, Operating, Gross MarginsCBTX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 10 20 30

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4

2. CBTX Health Analysis

2.1 Basic Checks

  • CBTX does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CBTX has less shares outstanding than it did 1 year ago.
  • There is no outstanding debt for CBTX. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CBTX Yearly Shares OutstandingCBTX Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 5M 10M 15M 20M
CBTX Yearly Total Debt VS Total AssetsCBTX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 1B 2B 3B 4B

2.2 Solvency

  • CBTX has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.56%
CBTX Yearly LT Debt VS Equity VS FCFCBTX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 100M 200M 300M 400M 500M

2.3 Liquidity

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

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7

3. CBTX Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 15.38% over the past year.
  • The Earnings Per Share has been growing slightly by 3.39% on average over the past years.
  • Looking at the last year, CBTX shows a small growth in Revenue. The Revenue has grown by 3.94% in the last year.
  • CBTX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.97% yearly.
EPS 1Y (TTM)15.38%
EPS 3Y-1.07%
EPS 5Y3.39%
EPS Q2Q%0%
Revenue 1Y (TTM)3.94%
Revenue growth 3Y0.81%
Revenue growth 5Y3.97%
Sales Q2Q%11.32%

3.2 Future

  • Based on estimates for the next years, CBTX will show a very strong growth in Earnings Per Share. The EPS will grow by 31.57% on average per year.
  • Based on estimates for the next years, CBTX will show a very strong growth in Revenue. The Revenue will grow by 78.38% on average per year.
EPS Next Y30.59%
EPS Next 2Y32.33%
EPS Next 3Y31.39%
EPS Next 5Y31.57%
Revenue Next Year80.56%
Revenue Next 2Y79.26%
Revenue Next 3Y78.09%
Revenue Next 5Y78.38%

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 accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
CBTX Yearly Revenue VS EstimatesCBTX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B
CBTX Yearly EPS VS EstimatesCBTX Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4 5

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4

4. CBTX Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.25 indicates a correct valuation of CBTX.
  • When comparing the Price/Earnings ratio of CBTX to the average of the S&P500 Index (26.11), we can say CBTX is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 9.13 indicates a reasonable valuation of CBTX.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, CBTX is valued rather cheaply.
Industry RankSector Rank
PE 16.25
Fwd PE 9.13
CBTX Price Earnings VS Forward Price EarningsCBTX 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
CBTX Per share dataCBTX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • CBTX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • CBTX's earnings are expected to grow with 31.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.53
PEG (5Y)4.8
EPS Next 2Y32.33%
EPS Next 3Y31.39%

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4

5. CBTX Dividend Analysis

5.1 Amount

  • CBTX has a Yearly Dividend Yield of 1.68%.
  • CBTX's Dividend Yield is comparable with the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 1.68%

5.2 History

  • On average, the dividend of CBTX grows each year by 37.51%, which is quite nice.
  • CBTX has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)37.51%
Div Incr YearsN/A
Div Non Decr YearsN/A
CBTX Yearly Dividends per shareCBTX Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 35.44% of the earnings are spent on dividend by CBTX. This is a low number and sustainable payout ratio.
  • CBTX's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP35.44%
EPS Next 2Y32.33%
EPS Next 3Y31.39%
CBTX Yearly Income VS Free CF VS DividendCBTX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M 50M
CBTX Dividend Payout.CBTX Dividend Payout, showing the Payout Ratio.CBTX Dividend Payout.PayoutRetained Earnings

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CBTX Fundamentals: All Metrics, Ratios and Statistics

CBTX INC

NASDAQ:CBTX (9/30/2022, 8:11:29 PM)

After market: 29.25 0 (0%)

29.25

-0.42 (-1.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28
Earnings (Next)10-26
Inst Owners0.12%
Inst Owner Change0%
Ins Owners5.39%
Ins Owner Change0%
Market Cap714.44M
Revenue(TTM)148.10M
Net Income(TTM)36.18M
Analysts47.5
Price Target35.36 (20.89%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.68%
Yearly Dividend0.52
Dividend Growth(5Y)37.51%
DP35.44%
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 16.25
Fwd PE 9.13
P/S 4.82
P/FCF N/A
P/OCF N/A
P/B 1.36
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.8
EY6.15%
EPS(NY)3.2
Fwd EY10.95%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS6.06
BVpS21.56
TBVpSN/A
PEG (NY)0.53
PEG (5Y)4.8
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 6.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.43%
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-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
WACC8.56%
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)15.38%
EPS 3Y-1.07%
EPS 5Y3.39%
EPS Q2Q%0%
EPS Next Y30.59%
EPS Next 2Y32.33%
EPS Next 3Y31.39%
EPS Next 5Y31.57%
Revenue 1Y (TTM)3.94%
Revenue growth 3Y0.81%
Revenue growth 5Y3.97%
Sales Q2Q%11.32%
Revenue Next Year80.56%
Revenue Next 2Y79.26%
Revenue Next 3Y78.09%
Revenue Next 5Y78.38%
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

CBTX INC / CBTX Fundamental Analysis FAQ

What is the fundamental rating for CBTX stock?

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


What is the valuation status for CBTX stock?

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


Can you provide the profitability details for CBTX INC?

CBTX INC (CBTX) has a profitability rating of 1 / 10.


How financially healthy is CBTX INC?

The financial health rating of CBTX INC (CBTX) is 3 / 10.


What is the expected EPS growth for CBTX INC (CBTX) stock?

The Earnings per Share (EPS) of CBTX INC (CBTX) is expected to grow by 30.59% in the next year.