20.1 USD
0 (0%)
20 USD
-0.1 (-0.5%)
Taking everything into account, CSTR scores 3 out of 10 in our fundamental rating. CSTR was compared to 383 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.
- In the past 5 years CSTR has always been profitable.
- In multiple years CSTR reported negative operating cash flow during the last 5 years.
1.2 Ratios
- The Return On Assets of CSTR (0.95%) 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
- Looking at the Profit Margin, with a value of 26.61%, CSTR is in the better half of the industry, outperforming 64.34% of the companies in the same industry.
- 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.
- 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.
- CSTR has a better Debt to FCF ratio (0.68) than 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.
- 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 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%.
- The Earnings Per Share has been growing slightly by 3.67% on average over the past years.
- 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
- 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.
- 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.
- 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.
- 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.
- CSTR is valuated rather cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 14.99, CSTR is valued correctly.
- 71.33% of the companies in the same industry are cheaper than CSTR, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 24.30. 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
- 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
- CSTR has a Yearly Dividend Yield of 2.19%.
- CSTR's Dividend Yield is slightly below the industry average, which is at 2.91.
- CSTR's Dividend Yield is comparable with the S&P500 average which is at 1.86.
| 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.
- 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)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
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.
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%.