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Reliant Bancorp Inc (RBNC) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:RBNC - Common Stock

35.5
+0.49 (+1.4%)
Last: 12/31/2021, 8:43:16 PM
35.5
0 (0%)
After Hours: 12/31/2021, 8:43:16 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to RBNC. RBNC was compared to 387 industry peers in the Banks industry. RBNC may be in some trouble as it scores bad on both profitability and health. RBNC has a decent growth rate and is not valued too expensively.


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

The Operating Margin and Gross Margin are not available for RBNC so they could not be analyzed.
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

Compared to 1 year ago, RBNC has more shares outstanding
Compared to 1 year ago, RBNC has an improved debt to assets ratio.
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

RBNC has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
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

RBNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 50.00%, which is quite impressive.
The Earnings Per Share has been growing by 18.80% on average over the past years. This is quite good.
RBNC shows a strong growth in Revenue. In the last year, the Revenue has grown by 38.09%.
Measured over the past years, RBNC shows a very strong growth in Revenue. The Revenue has been growing by 26.76% on average per year.
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.
Based on estimates for the next years, RBNC will show a small growth in Revenue. The Revenue will grow by 4.36% on average per year.
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

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.
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

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 25.47. 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 34.42, RBNC is valued rather cheaply.
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 10 20 30

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%.
With a Dividend Yield of 1.35, RBNC pays less dividend than the S&P500 average, which is at 2.41.
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 paid a dividend for less than 5 years, so there is no long track record yet.
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.
RBNC's earnings are growing more than its dividend. This makes the dividend growth 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
Revenue(TTM)152.40M
Net Income(TTM)50.71M
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
Graham NumberN/A
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
ROICexgc growth 3Y0%
ROICexgc 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

Reliant Bancorp Inc / RBNC FAQ

Can you provide the ChartMill fundamental rating for Reliant Bancorp Inc?

ChartMill assigns a fundamental rating of 5 / 10 to RBNC.


What is the valuation status of Reliant Bancorp Inc (RBNC) stock?

ChartMill assigns a valuation rating of 6 / 10 to Reliant Bancorp Inc (RBNC). This can be considered as Fairly Valued.


What is the profitability of RBNC stock?

Reliant Bancorp Inc (RBNC) has a profitability rating of 6 / 10.


Can you provide the PE and PB ratios for RBNC stock?

The Price/Earnings (PE) ratio for Reliant Bancorp Inc (RBNC) is 11.72 and the Price/Book (PB) ratio is 1.67.


What is the earnings growth outlook for Reliant Bancorp Inc?

The Earnings per Share (EPS) of Reliant Bancorp Inc (RBNC) is expected to grow by 27.8% in the next year.