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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 383 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

0

1. Profitability

1.1 Basic Checks

  • In the past year RBNC was profitable.
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 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 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 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.
  • The debt/assets ratio for RBNC has been reduced compared to a year ago.
RBNC Yearly Shares OutstandingRBNC Yearly Shares OutstandingYearly Shares Outstanding 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 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 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.
  • Measured over the past years, RBNC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.80% on average per year.
  • 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

  • RBNC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.33% yearly.
  • RBNC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.36% yearly.
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 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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3

4. Valuation

4.1 Price/Earnings Ratio

  • RBNC is valuated reasonably with a Price/Earnings ratio of 11.72.
  • When comparing the Price/Earnings ratio of RBNC to the average of the S&P500 Index (26.94), we can say RBNC is valued rather cheaply.
  • RBNC is valuated correctly with a Price/Forward Earnings ratio of 12.91.
  • RBNC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.94.
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 the average S&P500 Dividend Yield of 1.83, RBNC is paying slightly less dividend.
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 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
Earnings (Next)02-08
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.


Can you provide the valuation status for Reliant Bancorp Inc?

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 expected EPS growth for RBNC stock?

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


Is the dividend of Reliant Bancorp Inc sustainable?

The dividend rating of Reliant Bancorp Inc (RBNC) is 5 / 10 and the dividend payout ratio is 15.26%.