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CAPSTAR FINANCIAL HOLDINGS I (CSTR) Stock Fundamental Analysis

NASDAQ:CSTR - Nasdaq - US14070T1025 - Common Stock - Currency: USD

20.1  0 (0%)

Premarket: 20 -0.1 (-0.5%)

Fundamental Rating

3

Overall CSTR gets a fundamental rating of 3 out of 10. We evaluated CSTR against 396 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.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CSTR had positive earnings in the past year.
CSTR had a positive operating cash flow in the past year.
CSTR had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: CSTR reported negative operating cash flow in multiple years.
CSTR Yearly Net Income VS EBIT VS OCF VS FCFCSTR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M 100M

1.2 Ratios

The Return On Assets of CSTR (0.95%) is comparable to the rest of the industry.
CSTR has a worse Return On Equity (8.24%) than 60.48% of its industry peers.
Industry RankSector 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
CSTR Yearly ROA, ROE, ROICCSTR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

The Profit Margin of CSTR (26.61%) is better than 64.34% of its industry peers.
CSTR's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for CSTR so they could not be analyzed.
Industry RankSector 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
CSTR Yearly Profit, Operating, Gross MarginsCSTR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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4

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.
CSTR has a better debt/assets ratio than last year.
CSTR Yearly Shares OutstandingCSTR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M
CSTR Yearly Total Debt VS Total AssetsCSTR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B

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.
The Debt to FCF ratio of CSTR (0.68) is better than 80.48% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that CSTR is not too dependend on debt financing.
The Debt to Equity ratio of CSTR (0.08) is better than 78.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.68
Altman-Z N/A
ROIC/WACCN/A
WACC19.27%
CSTR Yearly LT Debt VS Equity VS FCFCSTR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CSTR Yearly Current Assets VS Current LiabilitesCSTR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2019 2020 2021 2022 2023 2M 4M 6M 8M 10M

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3

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%.
Measured over the past 5 years, CSTR shows a small growth in Earnings Per Share. The EPS has been growing by 3.67% on average per year.
The Revenue has decreased by -7.11% in the past year.
Measured over the past years, CSTR shows a quite strong growth in Revenue. The Revenue has been growing by 10.76% on average per year.
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.
The Revenue is expected to grow by 4.14% on average over the next years.
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

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.
CSTR Yearly Revenue VS EstimatesCSTR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
CSTR Yearly EPS VS EstimatesCSTR Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.26 indicates a correct valuation of CSTR.
CSTR's Price/Earnings ratio is a bit more expensive when compared to the industry. CSTR is more expensive than 78.55% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.68, CSTR is valued a bit cheaper.
The Price/Forward Earnings ratio is 14.99, which indicates a correct valuation of CSTR.
Based on the Price/Forward Earnings ratio, CSTR is valued a bit more expensive than 71.33% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CSTR to the average of the S&P500 Index (22.50), we can say CSTR is valued slightly cheaper.
Industry RankSector Rank
PE 14.26
Fwd PE 14.99
CSTR Price Earnings VS Forward Price EarningsCSTR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CSTR's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 9.6
EV/EBITDA N/A
CSTR Per share dataCSTR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.19%, CSTR has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.34, CSTR is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.36, CSTR has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.19%

5.2 History

On average, the dividend of CSTR grows each year by 39.22%, which is quite nice.
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
CSTR Yearly Dividends per shareCSTR Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 0.1 0.2 0.3 0.4

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
CSTR Yearly Income VS Free CF VS DividendCSTR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M 100M
CSTR Dividend Payout.CSTR Dividend Payout, showing the Payout Ratio.CSTR Dividend Payout.PayoutRetained Earnings

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CAPSTAR FINANCIAL HOLDINGS I

NASDAQ:CSTR (3/28/2024, 8:03:48 PM)

Premarket: 20 -0.1 (-0.5%)

20.1

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-12 2024-03-12/amc
Earnings (Next)04-19 2024-04-19/amc
Inst Owners7.56%
Inst Owner Change0%
Ins Owners8.39%
Ins Owner Change0%
Market Cap418.28M
Analysts47.5
Price Target19.21 (-4.43%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector 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
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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%