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ALLEGIANCE BANCSHARES INC (ABTX) Stock Fundamental Analysis

NASDAQ:ABTX - Nasdaq - US01748H1077 - Common Stock - Currency: USD

41.63  -0.36 (-0.86%)

After market: 41.63 0 (0%)

Fundamental Rating

2

Taking everything into account, ABTX scores 2 out of 10 in our fundamental rating. ABTX was compared to 405 industry peers in the Banks industry. ABTX may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, ABTX is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

ABTX had positive earnings in the past year.
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.
The number of shares outstanding for ABTX has been increased compared to 1 year ago.
The debt/assets ratio for ABTX has been reduced compared to a year ago.
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

The Earnings Per Share has been growing slightly by 3.64% over the past year.
The Earnings Per Share has been growing by 19.38% on average over the past years. This is quite good.
Looking at the last year, ABTX shows a small growth in Revenue. The Revenue has grown by 5.82% in the last year.
Measured over the past years, ABTX shows a quite strong growth in Revenue. The Revenue has been growing by 19.53% on average per year.
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

Based on estimates for the next years, ABTX will show a very negative growth in Earnings Per Share. The EPS will decrease by -13.10% on average per year.
Based on estimates for the next years, ABTX will show a very strong growth in Revenue. The Revenue will grow by 33.42% on average per year.
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

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 accelerating.
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 2014 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

ABTX is valuated reasonably with a Price/Earnings ratio of 11.25.
When comparing the Price/Earnings ratio of ABTX to the average of the S&P500 Index (29.62), we can say ABTX is valued rather cheaply.
With a Price/Forward Earnings ratio of 14.37, ABTX is valued correctly.
When comparing the Price/Forward Earnings ratio of ABTX to the average of the S&P500 Index (22.70), we can say ABTX is valued slightly cheaper.
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 5 10 15 20 25

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

With a Yearly Dividend Yield of 1.35%, ABTX has a reasonable but not impressive dividend return.
Compared to an average S&P500 Dividend Yield of 2.27, ABTX's dividend is way lower than the S&P500 average.
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

14.01% of the earnings are spent on dividend by ABTX. This is a low number and 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