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.
  • CSTR had a positive operating cash flow in the past year.
  • Each year in the past 5 years CSTR has been profitable.
  • 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

  • CSTR has a Return On Assets (0.95%) which is in line with its industry peers.
  • CSTR's Return On Equity of 8.24% is on the low side compared to the rest of the industry. CSTR is outperformed by 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 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.
  • CSTR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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

  • The Debt to FCF ratio of CSTR is 0.68, which is an excellent value as it means it would take CSTR, only 0.68 years of fcf income to pay off all of its debts.
  • CSTR has a Debt to FCF ratio of 0.68. This is amongst the best in the industry. CSTR outperforms 80.48% of its industry peers.
  • 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 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

  • The earnings per share for CSTR have decreased strongly by -20.17% in the last year.
  • 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.
  • Looking at the last year, CSTR shows a decrease in Revenue. The Revenue has decreased by -7.11% in the last 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

  • Based on estimates for the next years, CSTR will show a decrease in Earnings Per Share. The EPS will decrease by -5.01% on average per year.
  • 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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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

  • A Price/Earnings ratio of 14.26 indicates a correct valuation of CSTR.
  • Based on the Price/Earnings ratio, CSTR is valued a bit more expensive than the industry average as 78.55% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 27.71. CSTR is valued slightly cheaper when compared to this.
  • 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 the industry average as 71.33% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of CSTR to the average of the S&P500 Index (38.09), we can say CSTR is valued rather cheaply.
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 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CSTR is on the same level as its industry peers.
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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. CSTR Dividend Analysis

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 2.57, CSTR is paying slightly less dividend.
  • CSTR's Dividend Yield is a higher than the S&P500 average which is at 1.81.
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

  • 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
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 Number0 (-100%)
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.


How profitable is CAPSTAR FINANCIAL HOLDINGS I (CSTR) stock?

CAPSTAR FINANCIAL HOLDINGS I (CSTR) has a profitability rating of 3 / 10.


Can you provide the financial health for CSTR stock?

The financial health rating of CAPSTAR FINANCIAL HOLDINGS I (CSTR) is 4 / 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.