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CBTX INC (CBTX) Stock Fundamental Analysis

NASDAQ:CBTX - Nasdaq - US12481V1044 - Common Stock - Currency: USD

29.25  -0.42 (-1.42%)

After market: 29.25 0 (0%)

Fundamental Rating

3

CBTX gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. CBTX scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CBTX is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year CBTX was profitable.
CBTX Yearly Net Income VS EBIT VS OCF VS FCFCBTX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M 50M

1.2 Ratios

Industry RankSector Rank
ROA 0.84%
ROE 6.87%
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
CBTX Yearly ROA, ROE, ROICCBTX 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 CBTX so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.43%
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
CBTX Yearly Profit, Operating, Gross MarginsCBTX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 10 20 30

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4

2. Health

2.1 Basic Checks

CBTX does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CBTX has less shares outstanding
CBTX has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CBTX Yearly Shares OutstandingCBTX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 5M 10M 15M 20M
CBTX Yearly Total Debt VS Total AssetsCBTX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 1B 2B 3B 4B

2.2 Solvency

There is no outstanding debt for CBTX. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.56%
CBTX Yearly LT Debt VS Equity VS FCFCBTX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 100M 200M 300M 400M 500M

2.3 Liquidity

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

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7

3. Growth

3.1 Past

CBTX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.38%, which is quite good.
CBTX shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.39% yearly.
CBTX shows a small growth in Revenue. In the last year, the Revenue has grown by 3.94%.
CBTX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.97% yearly.
EPS 1Y (TTM)15.38%
EPS 3Y-1.07%
EPS 5Y3.39%
EPS Q2Q%0%
Revenue 1Y (TTM)3.94%
Revenue growth 3Y0.81%
Revenue growth 5Y3.97%
Sales Q2Q%11.32%

3.2 Future

CBTX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.57% yearly.
CBTX is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 78.38% yearly.
EPS Next Y30.59%
EPS Next 2Y32.33%
EPS Next 3Y31.39%
EPS Next 5Y31.57%
Revenue Next Year80.56%
Revenue Next 2Y79.26%
Revenue Next 3Y78.09%
Revenue Next 5Y78.38%

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 accelerating.
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.
CBTX Yearly Revenue VS EstimatesCBTX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B
CBTX Yearly EPS VS EstimatesCBTX Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4 5

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 16.25 indicates a correct valuation of CBTX.
CBTX is valuated rather cheaply when we compare the Price/Earnings ratio to 29.62, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.13, which indicates a very decent valuation of CBTX.
When comparing the Price/Forward Earnings ratio of CBTX to the average of the S&P500 Index (22.70), we can say CBTX is valued rather cheaply.
Industry RankSector Rank
PE 16.25
Fwd PE 9.13
CBTX Price Earnings VS Forward Price EarningsCBTX 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
CBTX Per share dataCBTX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CBTX's earnings are expected to grow with 31.39% in the coming years.
PEG (NY)0.53
PEG (5Y)4.8
EPS Next 2Y32.33%
EPS Next 3Y31.39%

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3

5. Dividend

5.1 Amount

CBTX has a Yearly Dividend Yield of 1.68%. Purely for dividend investing, there may be better candidates out there.
CBTX's Dividend Yield is slightly below the S&P500 average, which is at 2.27.
Industry RankSector Rank
Dividend Yield 1.68%

5.2 History

The dividend of CBTX is nicely growing with an annual growth rate of 37.51%!
CBTX has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)37.51%
Div Incr YearsN/A
Div Non Decr YearsN/A
CBTX Yearly Dividends per shareCBTX Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

CBTX pays out 35.44% of its income as dividend. This is a sustainable payout ratio.
CBTX's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP35.44%
EPS Next 2Y32.33%
EPS Next 3Y31.39%
CBTX Yearly Income VS Free CF VS DividendCBTX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M 50M
CBTX Dividend Payout.CBTX Dividend Payout, showing the Payout Ratio.CBTX Dividend Payout.PayoutRetained Earnings

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CBTX INC

NASDAQ:CBTX (9/30/2022, 8:11:29 PM)

After market: 29.25 0 (0%)

29.25

-0.42 (-1.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28 2022-07-28/amc
Earnings (Next)10-26 2022-10-26/amc
Inst Owners0.12%
Inst Owner Change0%
Ins Owners5.39%
Ins Owner Change0%
Market Cap714.44M
Analysts47.5
Price Target35.36 (20.89%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.68%
Yearly Dividend0.52
Dividend Growth(5Y)37.51%
DP35.44%
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 16.25
Fwd PE 9.13
P/S 4.82
P/FCF N/A
P/OCF N/A
P/B 1.36
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.8
EY6.15%
EPS(NY)3.2
Fwd EY10.95%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS6.06
BVpS21.56
TBVpSN/A
PEG (NY)0.53
PEG (5Y)4.8
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 6.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.43%
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
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-Score4
WACC8.56%
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)15.38%
EPS 3Y-1.07%
EPS 5Y3.39%
EPS Q2Q%0%
EPS Next Y30.59%
EPS Next 2Y32.33%
EPS Next 3Y31.39%
EPS Next 5Y31.57%
Revenue 1Y (TTM)3.94%
Revenue growth 3Y0.81%
Revenue growth 5Y3.97%
Sales Q2Q%11.32%
Revenue Next Year80.56%
Revenue Next 2Y79.26%
Revenue Next 3Y78.09%
Revenue Next 5Y78.38%
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