CAPSTAR FINANCIAL HOLDINGS I (CSTR)
US14070T1025 - Common Stock
We assign a fundamental rating of 3 out of 10 to CSTR. CSTR was compared to 411 industry peers in the Banks industry. While CSTR seems to be doing ok healthwise, there are quite some concerns on its profitability. CSTR is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year CSTR was profitable.
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 has a Return On Assets (0.95%) which is comparable to the rest of the 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 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
CSTR's Profit Margin of 26.61% is fine compared to the rest of the industry. CSTR outperforms 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.
CSTR has less shares outstanding than it did 1 year ago.
CSTR has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CSTR has an improved debt to assets ratio.
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.
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 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%.
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.
CSTR shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.76% yearly.
EPS 1Y (TTM)-20.17%
EPS 3Y0.79%
EPS 5Y3.67%
EPS growth Q2Q-33.4%
Revenue 1Y (TTM)-7.11%
Revenue growth 3Y-2.13%
Revenue growth 5Y10.76%
Revenue growth Q2Q-13.25%
3.2 Future
CSTR is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.01% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
CSTR is valuated correctly with a Price/Earnings ratio of 14.26.
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 24.92, 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.
The average S&P500 Price/Forward Earnings ratio is at 21.49. CSTR is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.26 | ||
| Fwd PE | 14.99 |
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 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 3.82.
Compared to an average S&P500 Dividend Yield of 2.41, CSTR has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector 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.
As CSTR did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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
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)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap418.28M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.19% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.26 | ||
| Fwd PE | 14.99 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)3.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 8.24% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 26.61% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-20.17%
EPS 3Y0.79%
EPS 5Y
EPS growth Q2Q
EPS Next Y-5.07%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-7.11%
Revenue growth 3Y-2.13%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y