CSTR Fundamental Analysis - CAPSTAR FINANCIAL HOLDINGS I

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to CSTR. CSTR was compared to 395 industry peers in the Banks industry. The financial health of CSTR is average, but there are quite some concerns on its profitability. CSTR does not seem to be growing, but still is valued expensively.

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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.

The reported operating cash flow has been mixed in the past 5 years: CSTR reported negative operating cash flow in multiple years.

1.2 Ratios

The Return On Assets of CSTR (0.95%) is comparable to the rest of the 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

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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

CSTR has a better debt/assets ratio than last year.

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's Debt to FCF ratio of 0.68 is amongst the best of 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 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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

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.

The Revenue has decreased by -7.11% in the past 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.

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.

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

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 14.26, the valuation of CSTR can be described as correct.

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.

When comparing the Price/Earnings ratio of CSTR to the average of the S&P500 Index (27.03), 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 the industry average as 71.33% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, CSTR is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	14.26
Fwd PE	14.99

4.2 Price Multiples

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

		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

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5. Dividend

5.1 Amount

CSTR has a Yearly Dividend Yield of 2.19%.

Compared to an average industry Dividend Yield of 3.18, CSTR is paying slightly less dividend.

CSTR's Dividend Yield is comparable with the S&P500 average which is at 2.32.

		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.

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

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

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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 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

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

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

ROICexcg growth 3YN/A

ROICexcg 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens