20.1 USD
0 (0%)
20 USD
-0.1 (-0.5%)
We assign a fundamental rating of 3 out of 10 to CSTR. CSTR was compared to 388 industry peers in the Banks industry. The financial health of CSTR is average, but there are quite some concerns on its profitability. 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
With a Return On Assets value of 0.95%, CSTR perfoms like the industry average, outperforming 56.63% of the companies in the same industry.
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
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 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.
The number of shares outstanding for CSTR has been reduced compared to 1 year ago.
CSTR has more shares outstanding than it did 5 years ago.
CSTR has a better debt/assets ratio than last year.
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.
CSTR has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
CSTR has a better Debt to Equity ratio (0.08) than 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
The earnings per share for CSTR have decreased strongly by -20.17% in the last year.
CSTR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.67% yearly.
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.
Based on estimates for the next years, CSTR will show a small growth in Revenue. The Revenue will grow by 4.14% on average per year.
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
The Price/Earnings ratio is 14.26, which indicates a correct valuation of CSTR.
Based on the Price/Earnings ratio, CSTR is valued a bit more expensive than 78.55% of the companies in the same industry.
When comparing the Price/Earnings ratio of CSTR to the average of the S&P500 Index (26.57), we can say CSTR is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 14.99, the valuation of CSTR can be described as correct.
Based on the Price/Forward Earnings ratio, CSTR is valued a bit more expensive than 71.33% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.04. CSTR is valued slightly cheaper 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
CSTR's earnings are expected to decrease with -5.01% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)3.88
EPS Next 2Y-5.01%
EPS Next 3YN/A
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 2.74, CSTR is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.88, CSTR has a dividend comparable with the average S&P500 company.
| 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
30.47% of the earnings are spent on dividend by CSTR. This is a low number and 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%.