SPIRIT OF TEXAS BANCSHARES I (STXB) Stock Fundamental Analysis

NASDAQ:STXB

25.55
-0.06 (-0.23%)
At close: Apr 8, 2022
25
-0.55 (-2.15%)
After Hours: 4/8/2022, 9:47:06 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to STXB. STXB was compared to 379 industry peers in the Banks industry. STXB has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, STXB is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

0

1. Profitability

1.1 Basic Checks

  • STXB had positive earnings in the past year.
STXB Yearly Net Income VS EBIT VS OCF VS FCFSTXB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 0 10M 20M 30M 40M 50M

1.2 Ratios

Industry RankSector Rank
ROA 1.29%
ROE 10.68%
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
STXB Yearly ROA, ROE, ROICSTXB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2 4 6 8 10

1.3 Margins

  • STXB 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) 32.81%
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
STXB Yearly Profit, Operating, Gross MarginsSTXB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 10 20 30

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1

2. Health

2.1 Basic Checks

  • STXB has more shares outstanding than it did 1 year ago.
  • The debt/assets ratio for STXB has been reduced compared to a year ago.
STXB Yearly Shares OutstandingSTXB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 5M 10M 15M
STXB Yearly Total Debt VS Total AssetsSTXB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 1B 2B 3B

2.2 Solvency

  • A Debt/Equity ratio of 0.09 indicates that STXB is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
STXB Yearly LT Debt VS Equity VS FCFSTXB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 0 100M 200M 300M

2.3 Liquidity

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

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • STXB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 40.74%, which is quite impressive.
  • Measured over the past years, STXB shows a very strong growth in Earnings Per Share. The EPS has been growing by 43.67% on average per year.
  • STXB shows a small growth in Revenue. In the last year, the Revenue has grown by 2.71%.
  • STXB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 25.12% yearly.
EPS 1Y (TTM)40.74%
EPS 3Y28.54%
EPS 5Y43.67%
EPS Q2Q%-7.27%
Revenue 1Y (TTM)2.71%
Revenue growth 3Y30.63%
Revenue growth 5Y25.12%
Sales Q2Q%-15.18%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.13% on average over the next years.
  • Based on estimates for the next years, STXB will show a small growth in Revenue. The Revenue will grow by 7.79% on average per year.
EPS Next Y-2.03%
EPS Next 2Y8.26%
EPS Next 3Y6.48%
EPS Next 5Y6.13%
Revenue Next Year3.88%
Revenue Next 2Y8.28%
Revenue Next 3Y7.59%
Revenue Next 5Y7.79%

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.
STXB Yearly Revenue VS EstimatesSTXB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
STXB Yearly EPS VS EstimatesSTXB Yearly EPS VS EstimatesYearly EPS VS Estimates 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

  • With a Price/Earnings ratio of 11.21, the valuation of STXB can be described as very reasonable.
  • STXB is valuated cheaply when we compare the Price/Earnings ratio to 27.11, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 11.44 indicates a reasonable valuation of STXB.
  • STXB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.13.
Industry RankSector Rank
PE 11.21
Fwd PE 11.44
STXB Price Earnings VS Forward Price EarningsSTXB 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
STXB Per share dataSTXB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.26
EPS Next 2Y8.26%
EPS Next 3Y6.48%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.87%, STXB has a reasonable but not impressive dividend return.
  • STXB's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.87%

5.2 History

  • STXB has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
STXB Yearly Dividends per shareSTXB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 20.84% of the earnings are spent on dividend by STXB. This is a low number and sustainable payout ratio.
DP20.84%
EPS Next 2Y8.26%
EPS Next 3Y6.48%
STXB Yearly Income VS Free CF VS DividendSTXB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 0 10M 20M 30M 40M 50M
STXB Dividend Payout.STXB Dividend Payout, showing the Payout Ratio.STXB Dividend Payout.PayoutRetained Earnings

More info and screens

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SPIRIT OF TEXAS BANCSHARES I

NASDAQ:STXB (4/8/2022, 9:47:06 PM)

After market: 25 -0.55 (-2.15%)

25.55

-0.06 (-0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-19
Inst Owners2.06%
Inst Owner Change0%
Ins Owners0.02%
Ins Owner Change0%
Market Cap446.10M
Revenue(TTM)128.19M
Net Income(TTM)42.06M
Analysts45.71
Price Target34.42 (34.72%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.87%
Yearly Dividend0.39
Dividend Growth(5Y)N/A
DP20.84%
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 11.21
Fwd PE 11.44
P/S 3.48
P/FCF N/A
P/OCF N/A
P/B 1.13
P/tB N/A
EV/EBITDA N/A
EPS(TTM)2.28
EY8.92%
EPS(NY)2.23
Fwd EY8.74%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.34
BVpS22.56
TBVpSN/A
PEG (NY)N/A
PEG (5Y)0.26
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.29%
ROE 10.68%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.81%
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 Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.09
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)40.74%
EPS 3Y28.54%
EPS 5Y43.67%
EPS Q2Q%-7.27%
EPS Next Y-2.03%
EPS Next 2Y8.26%
EPS Next 3Y6.48%
EPS Next 5Y6.13%
Revenue 1Y (TTM)2.71%
Revenue growth 3Y30.63%
Revenue growth 5Y25.12%
Sales Q2Q%-15.18%
Revenue Next Year3.88%
Revenue Next 2Y8.28%
Revenue Next 3Y7.59%
Revenue Next 5Y7.79%
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

SPIRIT OF TEXAS BANCSHARES I / STXB FAQ

Can you provide the ChartMill fundamental rating for SPIRIT OF TEXAS BANCSHARES I?

ChartMill assigns a fundamental rating of 4 / 10 to STXB.


What is the valuation status of SPIRIT OF TEXAS BANCSHARES I (STXB) stock?

ChartMill assigns a valuation rating of 6 / 10 to SPIRIT OF TEXAS BANCSHARES I (STXB). This can be considered as Fairly Valued.


How profitable is SPIRIT OF TEXAS BANCSHARES I (STXB) stock?

SPIRIT OF TEXAS BANCSHARES I (STXB) has a profitability rating of 4 / 10.


What is the earnings growth outlook for SPIRIT OF TEXAS BANCSHARES I?

The Earnings per Share (EPS) of SPIRIT OF TEXAS BANCSHARES I (STXB) is expected to decline by -2.03% in the next year.


Is the dividend of SPIRIT OF TEXAS BANCSHARES I sustainable?

The dividend rating of SPIRIT OF TEXAS BANCSHARES I (STXB) is 3 / 10 and the dividend payout ratio is 20.84%.