20.1 USD
0 (0%)
20 USD
-0.1 (-0.5%)
Taking everything into account, CSTR scores 3 out of 10 in our fundamental rating. CSTR was compared to 387 industry peers in the Banks industry. CSTR scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CSTR has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
CSTR had positive earnings in the past year.
In the past year CSTR had a positive cash flow from operations.
Each year in the past 5 years CSTR has been profitable.
In multiple years CSTR reported negative operating cash flow during the last 5 years.
1.2 Ratios
CSTR's Return On Assets of 0.95% is in line compared to the rest of the industry. CSTR outperforms 56.63% of its industry peers.
The Return On Equity of CSTR (8.24%) is worse than 60.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 8.24% | ||
| ROIC | N/A |
ROA(3y)1.25%
ROA(5y)1.14%
ROE(3y)10.69%
ROE(5y)9.49%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 26.61%, CSTR is doing good in the industry, outperforming 64.34% of the companies in the same industry.
In the last couple of years the Profit Margin of CSTR has grown nicely.
The Operating Margin and Gross Margin are not available for CSTR so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.61% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.78%
PM growth 5Y13.01%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CSTR does not have a ROIC to compare to the WACC, probably because it is not profitable.
CSTR has less shares outstanding than it did 1 year ago.
CSTR has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CSTR has been reduced compared to a year ago.
2.2 Solvency
CSTR has a debt to FCF ratio of 0.68. This is a very positive value and a sign of high solvency as it would only need 0.68 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.68, CSTR belongs to the best of the industry, outperforming 80.48% of the companies in the same industry.
A Debt/Equity ratio of 0.08 indicates that CSTR is not too dependend on debt financing.
CSTR has a Debt to Equity ratio of 0.08. This is in the better half of the industry: CSTR outperforms 78.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CSTR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -20.17%.
The Earnings Per Share has been growing slightly by 3.67% on average over the past years.
The Revenue has decreased by -7.11% in the past year.
The Revenue has been growing by 10.76% on average over the past years. This is quite good.
EPS 1Y (TTM)-20.17%
EPS 3Y0.79%
EPS 5Y3.67%
EPS Q2Q%-33.4%
Revenue 1Y (TTM)-7.11%
Revenue growth 3Y-2.13%
Revenue growth 5Y10.76%
Sales Q2Q%-13.25%
3.2 Future
The Earnings Per Share is expected to decrease by -5.01% on average over the next years.
CSTR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.14% yearly.
EPS Next Y-5.07%
EPS Next 2Y-5.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.14%
Revenue Next 2Y4.14%
Revenue Next 3YN/A
Revenue Next 5YN/A
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.26, the valuation of CSTR can be described as correct.
78.55% of the companies in the same industry are cheaper than CSTR, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.11, CSTR is valued a bit cheaper.
The Price/Forward Earnings ratio is 14.99, which indicates a correct valuation of CSTR.
71.33% of the companies in the same industry are cheaper than CSTR, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 36.21. CSTR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.26 | ||
| Fwd PE | 14.99 |
4.2 Price Multiples
CSTR's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.6 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as CSTR's earnings are expected to decrease with -5.01% in the coming years.
PEG (NY)N/A
PEG (5Y)3.88
EPS Next 2Y-5.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CSTR has a Yearly Dividend Yield of 2.19%.
CSTR's Dividend Yield is slightly below the industry average, which is at 3.15.
CSTR's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.19% |
5.2 History
The dividend of CSTR is nicely growing with an annual growth rate of 39.22%!
CSTR has been paying a dividend for over 5 years, so it has already some track record.
CSTR has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)39.22%
Div Incr Years5
Div Non Decr Years5
5.3 Sustainability
CSTR pays out 30.47% of its income as dividend. This is a sustainable payout ratio.
DP30.47%
EPS Next 2Y-5.01%
EPS Next 3YN/A
20.1
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners7.56%
Inst Owner Change0%
Ins Owners8.39%
Ins Owner Change0%
Market Cap418.28M
Revenue(TTM)112.04M
Net Income(TTM)29.81M
Analysts47.5
Price Target19.21 (-4.43%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.19% |
Yearly Dividend0.43
Dividend Growth(5Y)39.22%
DP30.47%
Div Incr Years5
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.72%
Min EPS beat(2)-1.01%
Max EPS beat(2)16.46%
EPS beat(4)2
Avg EPS beat(4)-1.37%
Min EPS beat(4)-25.16%
Max EPS beat(4)16.46%
EPS beat(8)3
Avg EPS beat(8)-3.9%
EPS beat(12)6
Avg EPS beat(12)0.05%
EPS beat(16)9
Avg EPS beat(16)5.33%
Revenue beat(2)1
Avg Revenue beat(2)-4.2%
Min Revenue beat(2)-9.91%
Max Revenue beat(2)1.52%
Revenue beat(4)1
Avg Revenue beat(4)-4.47%
Min Revenue beat(4)-9.91%
Max Revenue beat(4)1.52%
Revenue beat(8)1
Avg Revenue beat(8)-5.24%
Revenue beat(12)2
Avg Revenue beat(12)-3.77%
Revenue beat(16)6
Avg Revenue beat(16)-0.81%
PT rev (1m)0%
PT rev (3m)16.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.66%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.26 | ||
| Fwd PE | 14.99 | ||
| P/S | 3.73 | ||
| P/FCF | 9.6 | ||
| P/OCF | 9.43 | ||
| P/B | 1.16 | ||
| P/tB | 1.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.41
EY7.01%
EPS(NY)1.34
Fwd EY6.67%
FCF(TTM)2.09
FCFY10.41%
OCF(TTM)2.13
OCFY10.6%
SpS5.38
BVpS17.37
TBVpS15.23
PEG (NY)N/A
PEG (5Y)3.88
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 8.24% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.61% | ||
| GM | N/A | ||
| FCFM | 38.87% |
ROA(3y)1.25%
ROA(5y)1.14%
ROE(3y)10.69%
ROE(5y)9.49%
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 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.78%
PM growth 5Y13.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.68 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 28.73% | ||
| Cap/Sales | 0.72% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 146.09% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC19.27%
ROIC/WACCN/A
Cap/Depr(3y)24.75%
Cap/Depr(5y)28.39%
Cap/Sales(3y)0.64%
Cap/Sales(5y)0.8%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-20.17%
EPS 3Y0.79%
EPS 5Y3.67%
EPS Q2Q%-33.4%
EPS Next Y-5.07%
EPS Next 2Y-5.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.11%
Revenue growth 3Y-2.13%
Revenue growth 5Y10.76%
Sales Q2Q%-13.25%
Revenue Next Year-1.14%
Revenue Next 2Y4.14%
Revenue Next 3YN/A
Revenue Next 5YN/A
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 1Y276.31%
FCF growth 3Y32.31%
FCF growth 5Y8.32%
OCF growth 1Y287.17%
OCF growth 3Y32.2%
OCF growth 5Y5.84%
CAPSTAR FINANCIAL HOLDINGS I / CSTR FAQ
What is the ChartMill fundamental rating of CAPSTAR FINANCIAL HOLDINGS I (CSTR) stock?
ChartMill assigns a fundamental rating of 3 / 10 to CSTR.
What is the valuation status of CAPSTAR FINANCIAL HOLDINGS I (CSTR) stock?
ChartMill assigns a valuation rating of 2 / 10 to CAPSTAR FINANCIAL HOLDINGS I (CSTR). This can be considered as Overvalued.
What is the profitability of CSTR stock?
CAPSTAR FINANCIAL HOLDINGS I (CSTR) has a profitability rating of 3 / 10.
What is the earnings growth outlook for CAPSTAR FINANCIAL HOLDINGS I?
The Earnings per Share (EPS) of CAPSTAR FINANCIAL HOLDINGS I (CSTR) is expected to decline by -5.07% in the next year.
How sustainable is the dividend of CAPSTAR FINANCIAL HOLDINGS I (CSTR) stock?
The dividend rating of CAPSTAR FINANCIAL HOLDINGS I (CSTR) is 5 / 10 and the dividend payout ratio is 30.47%.