CBTX INC (CBTX) Stock Fundamental Analysis

NASDAQ:CBTX • US12481V1044

29.25 USD
-0.42 (-1.42%)
At close: Sep 30, 2022
29.25 USD
0 (0%)
After Hours: 9/30/2022, 8:11:29 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall CBTX gets a fundamental rating of 4 out of 10. We evaluated CBTX against 379 industry peers in the Banks industry. The financial health of CBTX is average, but there are quite some concerns on its profitability. CBTX is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

0

1. Profitability

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

  • The Operating Margin and Gross Margin are not available for CBTX so they could not be analyzed.
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. 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.
  • CBTX has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • CBTX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.38%, which is quite good.
  • Measured over the past 5 years, CBTX shows a small growth in Earnings Per Share. The EPS has been growing by 3.39% on average per year.
  • The Revenue has been growing slightly by 3.94% in the past year.
  • Measured over the past years, CBTX shows a small growth in Revenue. The Revenue has been growing by 3.97% on average per year.
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

  • CBTX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.57% yearly.
  • The Revenue is expected to grow by 78.38% on average over the next years. This is a very strong growth
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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. Valuation

4.1 Price/Earnings Ratio

  • CBTX is valuated correctly with a Price/Earnings ratio of 16.25.
  • CBTX is valuated rather cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 9.13, the valuation of CBTX can be described as reasonable.
  • CBTX is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.02, which is the current average of the S&P500 Index.
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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

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 an average S&P500 Dividend Yield of 1.81, CBTX has a dividend comparable with the average S&P500 company.
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.
  • 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 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 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 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.