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ALLEGIANCE BANCSHARES INC (ABTX) Stock Fundamental Analysis

NASDAQ:ABTX - US01748H1077 - Common Stock

41.63 USD
-0.36 (-0.86%)
Last: 9/30/2022, 8:05:08 PM
41.63 USD
0 (0%)
After Hours: 9/30/2022, 8:05:08 PM
Fundamental Rating

2

ABTX gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. Both the profitability and financial health of ABTX have multiple concerns. ABTX is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year ABTX was profitable.
ABTX Yearly Net Income VS EBIT VS OCF VS FCFABTX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 20M 40M 60M 80M 100M

1.2 Ratios

Industry RankSector Rank
ROA 1.12%
ROE 10.73%
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
ABTX Yearly ROA, ROE, ROICABTX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2 4 6 8

1.3 Margins

The Operating Margin and Gross Margin are not available for ABTX so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 31.52%
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
ABTX Yearly Profit, Operating, Gross MarginsABTX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 10 20 30

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1

2. Health

2.1 Basic Checks

ABTX does not have a ROIC to compare to the WACC, probably because it is not profitable.
ABTX has more shares outstanding than it did 1 year ago.
ABTX has a better debt/assets ratio than last year.
ABTX Yearly Shares OutstandingABTX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 5M 10M 15M 20M
ABTX Yearly Total Debt VS Total AssetsABTX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2B 4B 6B

2.2 Solvency

A Debt/Equity ratio of 0.15 indicates that ABTX is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.15%
ABTX Yearly LT Debt VS Equity VS FCFABTX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M

2.3 Liquidity

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

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6

3. Growth

3.1 Past

ABTX shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.64%.
ABTX shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.38% yearly.
Looking at the last year, ABTX shows a small growth in Revenue. The Revenue has grown by 5.82% in the last year.
The Revenue has been growing by 19.53% on average over the past years. This is quite good.
EPS 1Y (TTM)3.64%
EPS 3Y16.96%
EPS 5Y19.38%
EPS Q2Q%-28.57%
Revenue 1Y (TTM)5.82%
Revenue growth 3Y20.28%
Revenue growth 5Y19.53%
Sales Q2Q%2.24%

3.2 Future

ABTX is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -13.10% yearly.
The Revenue is expected to grow by 33.42% on average over the next years. This is a very strong growth
EPS Next Y-38.12%
EPS Next 2Y-14.9%
EPS Next 3Y-13.99%
EPS Next 5Y-13.1%
Revenue Next Year25.39%
Revenue Next 2Y33.94%
Revenue Next 3Y33.15%
Revenue Next 5Y33.42%

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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ABTX Yearly Revenue VS EstimatesABTX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
ABTX Yearly EPS VS EstimatesABTX Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0 0 0 0

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.25, the valuation of ABTX can be described as reasonable.
ABTX is valuated cheaply when we compare the Price/Earnings ratio to 27.24, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 14.37, ABTX is valued correctly.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.82, ABTX is valued rather cheaply.
Industry RankSector Rank
PE 11.25
Fwd PE 14.37
ABTX Price Earnings VS Forward Price EarningsABTX 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
ABTX Per share dataABTX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

ABTX's earnings are expected to decrease with -13.99% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.58
EPS Next 2Y-14.9%
EPS Next 3Y-13.99%

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2

5. Dividend

5.1 Amount

ABTX has a Yearly Dividend Yield of 1.35%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.35, ABTX pays less dividend than the S&P500 average, which is at 2.36.
Industry RankSector Rank
Dividend Yield 1.35%

5.2 History

ABTX 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
ABTX Yearly Dividends per shareABTX Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 0.1 0.2 0.3 0.4

5.3 Sustainability

ABTX pays out 14.01% of its income as dividend. This is a sustainable payout ratio.
DP14.01%
EPS Next 2Y-14.9%
EPS Next 3Y-13.99%
ABTX Yearly Income VS Free CF VS DividendABTX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 20M 40M 60M 80M 100M
ABTX Dividend Payout.ABTX Dividend Payout, showing the Payout Ratio.ABTX Dividend Payout.PayoutRetained Earnings

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ALLEGIANCE BANCSHARES INC

NASDAQ:ABTX (9/30/2022, 8:05:08 PM)

After market: 41.63 0 (0%)

41.63

-0.36 (-0.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-29 2022-07-29/bmo
Earnings (Next)10-27 2022-10-27/bmo
Inst Owners0.16%
Inst Owner Change0%
Ins Owners1.4%
Ins Owner Change0%
Market Cap830.94M
Analysts76
Price Target48.96 (17.61%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.35%
Yearly Dividend0.48
Dividend Growth(5Y)N/A
DP14.01%
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 11.25
Fwd PE 14.37
P/S 3.46
P/FCF N/A
P/OCF N/A
P/B 1.18
P/tB N/A
EV/EBITDA N/A
EPS(TTM)3.7
EY8.89%
EPS(NY)2.9
Fwd EY6.96%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.03
BVpS35.34
TBVpSN/A
PEG (NY)N/A
PEG (5Y)0.58
Profitability
Industry RankSector Rank
ROA 1.12%
ROE 10.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.52%
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
ROICexcg growth 3Y0%
ROICexcg 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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
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-Score7
WACC9.15%
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)3.64%
EPS 3Y16.96%
EPS 5Y19.38%
EPS Q2Q%-28.57%
EPS Next Y-38.12%
EPS Next 2Y-14.9%
EPS Next 3Y-13.99%
EPS Next 5Y-13.1%
Revenue 1Y (TTM)5.82%
Revenue growth 3Y20.28%
Revenue growth 5Y19.53%
Sales Q2Q%2.24%
Revenue Next Year25.39%
Revenue Next 2Y33.94%
Revenue Next 3Y33.15%
Revenue Next 5Y33.42%
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