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Reliant Bancorp Inc (RBNC) Stock Fundamental Analysis

NASDAQ:RBNC - Nasdaq - Common Stock

35.5  +0.49 (+1.4%)

After market: 35.5 0 (0%)

Fundamental Rating

2

Taking everything into account, RBNC scores 2 out of 10 in our fundamental rating. RBNC was compared to 395 industry peers in the Banks industry. RBNC may be in some trouble as it scores bad on both profitability and health. RBNC is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

RBNC had positive earnings in the past year.
RBNC Yearly Net Income VS EBIT VS OCF VS FCFRBNC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 0 20M -20M 40M -40M -60M

1.2 Ratios

Industry RankSector Rank
ROA 1.68%
ROE 14.23%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
RBNC Yearly ROA, ROE, ROICRBNC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2 4 6 8

1.3 Margins

RBNC 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) 33.28%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
RBNC Yearly Profit, Operating, Gross MarginsRBNC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 5 10 15 20

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1

2. Health

2.1 Basic Checks

The number of shares outstanding for RBNC has been increased compared to 1 year ago.
RBNC has a better debt/assets ratio than last year.
RBNC Yearly Shares OutstandingRBNC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 5M 10M 15M
RBNC Yearly Total Debt VS Total AssetsRBNC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 1B 2B 3B

2.2 Solvency

A Debt/Equity ratio of 0.20 indicates that RBNC is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
RBNC Yearly LT Debt VS Equity VS FCFRBNC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 0 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 50.00% over the past year.
RBNC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.80% yearly.
RBNC shows a strong growth in Revenue. In the last year, the Revenue has grown by 38.09%.
The Revenue has been growing by 26.76% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)50%
EPS 3Y29.01%
EPS 5Y18.8%
EPS Q2Q%12.86%
Revenue 1Y (TTM)38.09%
Revenue growth 3Y47.36%
Revenue growth 5Y26.76%
Sales Q2Q%9.11%

3.2 Future

Based on estimates for the next years, RBNC will show a small growth in Earnings Per Share. The EPS will grow by 5.33% on average per year.
The Revenue is expected to grow by 4.36% on average over the next years.
EPS Next Y27.8%
EPS Next 2Y9.84%
EPS Next 3Y9.07%
EPS Next 5Y5.33%
Revenue Next Year21.06%
Revenue Next 2Y9.79%
Revenue Next 3Y7.33%
Revenue Next 5Y4.36%

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.
RBNC Yearly Revenue VS EstimatesRBNC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
RBNC Yearly EPS VS EstimatesRBNC Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.72, the valuation of RBNC can be described as reasonable.
The average S&P500 Price/Earnings ratio is at 25.25. RBNC is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 12.91, the valuation of RBNC can be described as correct.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.27, RBNC is valued a bit cheaper.
Industry RankSector Rank
PE 11.72
Fwd PE 12.91
RBNC Price Earnings VS Forward Price EarningsRBNC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
RBNC Per share dataRBNC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.42
PEG (5Y)0.62
EPS Next 2Y9.84%
EPS Next 3Y9.07%

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3

5. Dividend

5.1 Amount

RBNC has a Yearly Dividend Yield of 1.35%. Purely for dividend investing, there may be better candidates out there.
Compared to an average S&P500 Dividend Yield of 2.40, RBNC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.35%

5.2 History

The dividend of RBNC has a limited annual growth rate of 1.64%.
RBNC has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)1.64%
Div Incr YearsN/A
Div Non Decr YearsN/A
RBNC Yearly Dividends per shareRBNC Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 0.1 0.2 0.3 0.4

5.3 Sustainability

15.26% of the earnings are spent on dividend by RBNC. This is a low number and sustainable payout ratio.
The dividend of RBNC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP15.26%
EPS Next 2Y9.84%
EPS Next 3Y9.07%
RBNC Yearly Income VS Free CF VS DividendRBNC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 0 20M -20M 40M -40M -60M
RBNC Dividend Payout.RBNC Dividend Payout, showing the Payout Ratio.RBNC Dividend Payout.PayoutRetained Earnings

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Reliant Bancorp Inc

NASDAQ:RBNC (12/31/2021, 8:43:16 PM)

After market: 35.5 0 (0%)

35.5

+0.49 (+1.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)02-08 2022-02-08/amc
Inst Owners0%
Inst Owner Change-99.99%
Ins Owners10.13%
Ins Owner Change0%
Market Cap596.58M
Analysts84
Price Target37.92 (6.82%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.35%
Yearly Dividend0.42
Dividend Growth(5Y)1.64%
DP15.26%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.72
Fwd PE 12.91
P/S 3.91
P/FCF N/A
P/OCF N/A
P/B 1.67
P/tB N/A
EV/EBITDA N/A
EPS(TTM)3.03
EY8.54%
EPS(NY)2.75
Fwd EY7.75%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS9.07
BVpS21.2
TBVpSN/A
PEG (NY)0.42
PEG (5Y)0.62
Profitability
Industry RankSector Rank
ROA 1.68%
ROE 14.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.28%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)50%
EPS 3Y29.01%
EPS 5Y18.8%
EPS Q2Q%12.86%
EPS Next Y27.8%
EPS Next 2Y9.84%
EPS Next 3Y9.07%
EPS Next 5Y5.33%
Revenue 1Y (TTM)38.09%
Revenue growth 3Y47.36%
Revenue growth 5Y26.76%
Sales Q2Q%9.11%
Revenue Next Year21.06%
Revenue Next 2Y9.79%
Revenue Next 3Y7.33%
Revenue Next 5Y4.36%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A