CSTR Fundamental Analysis - CAPSTAR FINANCIAL HOLDINGS I

Fundamental Rating

Overall CSTR gets a fundamental rating of 3 out of 10. We evaluated CSTR against 391 industry peers in the Banks industry. The financial health of CSTR is average, but there are quite some concerns on its profitability. CSTR is valued expensive and it does not seem to be growing.

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1. Profitability

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.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.95%, CSTR is in line with its industry, outperforming 56.63% of the companies in the same industry.

CSTR has a worse Return On Equity (8.24%) 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

With a decent Profit Margin value of 26.61%, CSTR is doing good in the industry, outperforming 64.34% of the companies in the same industry.

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 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.

Compared to 1 year ago, CSTR has less shares outstanding

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

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.

CSTR has a better Debt to FCF ratio (0.68) than 80.48% of its industry peers.

A Debt/Equity ratio of 0.08 indicates that CSTR is not too dependend on debt financing.

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.

The Earnings Per Share has been growing slightly by 3.67% on average over the past years.

CSTR shows a decrease in Revenue. In the last year, the revenue decreased by -7.11%.

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

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.

CSTR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.14% yearly.

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.26, CSTR is valued correctly.

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.

The average S&P500 Price/Earnings ratio is at 27.40. CSTR is valued slightly cheaper when compared to this.

A Price/Forward Earnings ratio of 14.99 indicates a correct valuation of CSTR.

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 22.94, CSTR is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	14.26
Fwd PE	14.99

4.2 Price Multiples

CSTR's Price/Free Cash Flow is on the same level as the industry average.

		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

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5. Dividend

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 3.56.

CSTR's Dividend Yield is comparable with the S&P500 average which is at 2.38.

		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.

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

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

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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