CBTX INC (CBTX)
US12481V1044 - Common Stock
Taking everything into account, CBTX scores 4 out of 10 in our fundamental rating. CBTX was compared to 412 industry peers in the Banks industry. While CBTX seems to be doing ok healthwise, there are quite some concerns on its profitability. CBTX is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
CBTX had positive earnings in the past year.
Each year in the past 5 years CBTX has been profitable.
CBTX had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
| Industry Rank | Sector 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
1.3 Margins
The Operating Margin and Gross Margin are not available for CBTX so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
CBTX does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CBTX has been reduced compared to 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.
2.2 Solvency
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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.56%
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 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.
The Revenue has been growing slightly by 3.94% in the past year.
The Revenue has been growing slightly by 3.97% on average over the past years.
EPS 1Y (TTM)15.38%
EPS 3Y-1.07%
EPS 5Y3.39%
EPS growth Q2Q0%
Revenue 1Y (TTM)3.94%
Revenue growth 3Y0.81%
Revenue growth 5Y3.97%
Revenue growth Q2Q11.32%
3.2 Future
CBTX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.57% yearly.
CBTX is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 78.38% yearly.
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
CBTX is valuated correctly with a Price/Earnings ratio of 16.25.
When comparing the Price/Earnings ratio of CBTX to the average of the S&P500 Index (24.55), we can say CBTX is valued slightly cheaper.
With a Price/Forward Earnings ratio of 9.13, the valuation of CBTX can be described as very reasonable.
CBTX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.25 | ||
| Fwd PE | 9.13 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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%
5. Dividend
5.1 Amount
CBTX has a Yearly Dividend Yield of 1.68%. Purely for dividend investing, there may be better candidates out there.
Compared to the average S&P500 Dividend Yield of 2.39, CBTX is paying slightly less dividend.
| Industry Rank | Sector 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
5.3 Sustainability
35.44% of the earnings are spent on dividend by CBTX. This is a low number and sustainable payout ratio.
The dividend of CBTX is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP35.44%
EPS Next 2Y32.33%
EPS Next 3Y31.39%
CBTX INC
NASDAQ:CBTX (9/30/2022, 7:11:29 PM)
After market: 29.25 0 (0%)29.25
-0.42 (-1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap714.44M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.68% |
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)
Max Revenue beat(4)
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 | 16.25 | ||
| Fwd PE | 9.13 | ||
| 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)0.53
PEG (5Y)4.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 6.87% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 24.43% | ||
| 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 Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| 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)15.38%
EPS 3Y-1.07%
EPS 5Y
EPS growth Q2Q
EPS Next Y30.59%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)3.94%
Revenue growth 3Y0.81%
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