25.55
-0.06 (-0.23%)
25
-0.55 (-2.15%)
STXB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. Both the profitability and financial health of STXB have multiple concerns. STXB is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- STXB had positive earnings in the past year.
1.2 Ratios
| Industry Rank | Sector 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
1.3 Margins
- The Operating Margin and Gross Margin are not available for STXB so they could not be analyzed.
| Industry Rank | Sector 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
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.
2.2 Solvency
- STXB has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 40.74% over the past year.
- The Earnings Per Share has been growing by 43.67% on average over the past years. This is a very strong growth
- STXB shows a small growth in Revenue. In the last year, the Revenue has grown by 2.71%.
- The Revenue has been growing by 25.12% on average over the past years. This is a very strong growth!
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
- STXB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.13% yearly.
- STXB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.79% yearly.
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- STXB is valuated reasonably with a Price/Earnings ratio of 11.21.
- STXB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.87.
- With a Price/Forward Earnings ratio of 11.44, the valuation of STXB can be described as very reasonable.
- STXB is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.96, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.21 | ||
| Fwd PE | 11.44 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.26
EPS Next 2Y8.26%
EPS Next 3Y6.48%
5. Dividend
5.1 Amount
- STXB has a Yearly Dividend Yield of 1.87%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average S&P500 Dividend Yield of 1.82, STXB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.87% |
5.2 History
- STXB has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
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%
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%.