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SPIRIT OF TEXAS BANCSHARES I (STXB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:STXB - Common Stock

25.55
-0.06 (-0.23%)
Last: 4/8/2022, 9:47:06 PM
25
-0.55 (-2.15%)
After Hours: 4/8/2022, 9:47:06 PM
Fundamental Rating

2

STXB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and financial health of STXB have multiple concerns. While showing a medium growth rate, STXB is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year STXB was profitable.
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

The Operating Margin and Gross Margin are not available for STXB so they could not be analyzed.
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.
Compared to 1 year ago, STXB has an improved debt to assets ratio.
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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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 40.74% over the past year.
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.
Looking at the last year, STXB shows a small growth in Revenue. The Revenue has grown by 2.71% in the last year.
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.
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.
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.
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

STXB is valuated reasonably with a Price/Earnings ratio of 11.21.
STXB is valuated cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.44 indicates a reasonable valuation of STXB.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, STXB is valued rather cheaply.
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%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.87%, STXB has a reasonable but not impressive dividend return.
Compared to an average S&P500 Dividend Yield of 2.00, STXB has a dividend comparable with the average S&P500 company.
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

STXB pays out 20.84% of its income as dividend. This is a 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

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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 2022-01-26/amc
Earnings (Next)04-19 2022-04-19
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%.