CAPSTAR FINANCIAL HOLDINGS I (CSTR) Fundamental Analysis & Valuation

NASDAQ:CSTR • US14070T1025

Current stock price

20.1 USD
0 (0%)
At close:
20 USD
-0.1 (-0.5%)
Pre-Market:

This CSTR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CSTR Profitability Analysis

1.1 Basic Checks

  • In the past year CSTR was profitable.
  • In the past year CSTR had a positive cash flow from operations.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M 100M

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.
  • Looking at the Return On Equity, with a value of 8.24%, CSTR is doing worse than 60.48% of the companies in the same industry.
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 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

  • CSTR has a Profit Margin of 26.61%. This is in the better half of the industry: CSTR outperforms 64.34% of its industry peers.
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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4

2. CSTR Health Analysis

2.1 Basic Checks

  • CSTR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CSTR has less shares outstanding
  • CSTR has a better debt/assets ratio than last year.
CSTR Yearly Shares OutstandingCSTR Yearly Shares OutstandingYearly Shares Outstanding 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 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.
  • 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.
  • With a decent Debt to Equity ratio value of 0.08, CSTR is doing good in the industry, outperforming 78.55% of the companies in the same industry.
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 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 2016 2017 2019 2020 2021 2022 2023 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. CSTR Growth Analysis

3.1 Past

  • CSTR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -20.17%.
  • CSTR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.67% yearly.
  • Looking at the last year, CSTR shows a decrease in Revenue. The Revenue has decreased by -7.11% in the last 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.
  • 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

  • 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 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. CSTR Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 14.26, which indicates a correct valuation of CSTR.
  • Compared to the rest of the industry, the Price/Earnings ratio of CSTR indicates a slightly more expensive valuation: CSTR is more expensive than 78.55% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, CSTR is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 14.99, which indicates a correct valuation of CSTR.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CSTR indicates a slightly more expensive valuation: CSTR is more expensive than 71.33% of the companies listed in the same industry.
  • CSTR is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.28, which is the current average of the S&P500 Index.
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as CSTR.
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

  • 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

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. CSTR Dividend Analysis

5.1 Amount

  • CSTR has a Yearly Dividend Yield of 2.19%. Purely for dividend investing, there may be better candidates out there.
  • CSTR's Dividend Yield is slightly below the industry average, which is at 2.80.
  • CSTR's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector 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
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 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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CSTR Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)04-19
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 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
Graham NumberN/A
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
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 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%

CAPSTAR FINANCIAL HOLDINGS I / CSTR Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CAPSTAR FINANCIAL HOLDINGS I (CSTR) stock?

ChartMill assigns a fundamental rating of 3 / 10 to CSTR.


Can you provide the valuation status for CAPSTAR FINANCIAL HOLDINGS I?

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.


Can you provide the PE and PB ratios for CSTR stock?

The Price/Earnings (PE) ratio for CAPSTAR FINANCIAL HOLDINGS I (CSTR) is 14.26 and the Price/Book (PB) ratio is 1.16.


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%.