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CAPSTAR FINANCIAL HOLDINGS I (CSTR) Stock Fundamental Analysis

NASDAQ:CSTR - Nasdaq - US14070T1025 - Common Stock - Currency: USD

20.1  0 (0%)

Premarket: 20 -0.1 (-0.5%)

Fundamental Rating

3

CSTR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. CSTR scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CSTR has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CSTR had positive earnings in the past year.
CSTR had a positive operating cash flow in the past year.
CSTR had positive earnings in each of the past 5 years.
In multiple years CSTR reported negative operating cash flow during the last 5 years.
CSTR Yearly Net Income VS EBIT VS OCF VS FCFCSTR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M 100M

1.2 Ratios

With a Return On Assets value of 0.95%, CSTR perfoms like the industry average, outperforming 56.63% of the companies in the same industry.
The Return On Equity of CSTR (8.24%) is worse than 60.48% of its industry peers.
Industry RankSector Rank
ROA 0.95%
ROE 8.24%
ROIC N/A
ROA(3y)1.25%
ROA(5y)1.14%
ROE(3y)10.69%
ROE(5y)9.49%
ROIC(3y)N/A
ROIC(5y)N/A
CSTR Yearly ROA, ROE, ROICCSTR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

With a decent Profit Margin value of 26.61%, CSTR is doing good in the industry, outperforming 64.34% of the companies in the same industry.
CSTR's Profit Margin has improved in the last couple of years.
CSTR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.61%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.78%
PM growth 5Y13.01%
GM growth 3YN/A
GM growth 5YN/A
CSTR Yearly Profit, Operating, Gross MarginsCSTR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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4

2. Health

2.1 Basic Checks

CSTR does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CSTR has less shares outstanding
CSTR has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CSTR has been reduced compared to a year ago.
CSTR Yearly Shares OutstandingCSTR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M
CSTR Yearly Total Debt VS Total AssetsCSTR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B

2.2 Solvency

CSTR has a debt to FCF ratio of 0.68. This is a very positive value and a sign of high solvency as it would only need 0.68 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.68, CSTR belongs to the top of the industry, outperforming 80.48% of the companies in the same industry.
CSTR has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.08, CSTR is doing good in the industry, outperforming 78.55% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.68
Altman-Z N/A
ROIC/WACCN/A
WACC19.27%
CSTR Yearly LT Debt VS Equity VS FCFCSTR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CSTR Yearly Current Assets VS Current LiabilitesCSTR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2019 2020 2021 2022 2023 2M 4M 6M 8M 10M

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3

3. Growth

3.1 Past

The earnings per share for CSTR have decreased strongly by -20.17% in the last year.
Measured over the past 5 years, CSTR shows a small growth in Earnings Per Share. The EPS has been growing by 3.67% on average per year.
Looking at the last year, CSTR shows a decrease in Revenue. The Revenue has decreased by -7.11% in the last year.
CSTR shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.76% yearly.
EPS 1Y (TTM)-20.17%
EPS 3Y0.79%
EPS 5Y3.67%
EPS Q2Q%-33.4%
Revenue 1Y (TTM)-7.11%
Revenue growth 3Y-2.13%
Revenue growth 5Y10.76%
Sales Q2Q%-13.25%

3.2 Future

Based on estimates for the next years, CSTR will show a decrease in Earnings Per Share. The EPS will decrease by -5.01% on average per year.
Based on estimates for the next years, CSTR will show a small growth in Revenue. The Revenue will grow by 4.14% on average per year.
EPS Next Y-5.07%
EPS Next 2Y-5.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.14%
Revenue Next 2Y4.14%
Revenue Next 3YN/A
Revenue Next 5YN/A

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.
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.
CSTR Yearly Revenue VS EstimatesCSTR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
CSTR Yearly EPS VS EstimatesCSTR Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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2

4. Valuation

4.1 Price/Earnings Ratio

CSTR is valuated correctly with a Price/Earnings ratio of 14.26.
Based on the Price/Earnings ratio, CSTR is valued a bit more expensive than the industry average as 78.55% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 29.63, CSTR is valued rather cheaply.
With a Price/Forward Earnings ratio of 14.99, CSTR is valued correctly.
Based on the Price/Forward Earnings ratio, CSTR is valued a bit more expensive than the industry average as 71.33% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.68. CSTR is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 14.26
Fwd PE 14.99
CSTR Price Earnings VS Forward Price EarningsCSTR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CSTR's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 9.6
EV/EBITDA N/A
CSTR Per share dataCSTR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

A cheap valuation may be justified as CSTR's earnings are expected to decrease with -5.01% in the coming years.
PEG (NY)N/A
PEG (5Y)3.88
EPS Next 2Y-5.01%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

CSTR has a Yearly Dividend Yield of 2.19%. Purely for dividend investing, there may be better candidates out there.
CSTR's Dividend Yield is slightly below the industry average, which is at 3.18.
Compared to an average S&P500 Dividend Yield of 2.27, CSTR has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.19%

5.2 History

The dividend of CSTR is nicely growing with an annual growth rate of 39.22%!
CSTR has been paying a dividend for over 5 years, so it has already some track record.
As CSTR did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)39.22%
Div Incr Years5
Div Non Decr Years5
CSTR Yearly Dividends per shareCSTR Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 0.1 0.2 0.3 0.4

5.3 Sustainability

30.47% of the earnings are spent on dividend by CSTR. This is a low number and sustainable payout ratio.
DP30.47%
EPS Next 2Y-5.01%
EPS Next 3YN/A
CSTR Yearly Income VS Free CF VS DividendCSTR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M 100M
CSTR Dividend Payout.CSTR Dividend Payout, showing the Payout Ratio.CSTR Dividend Payout.PayoutRetained Earnings

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CAPSTAR FINANCIAL HOLDINGS I

NASDAQ:CSTR (3/28/2024, 8:03:48 PM)

Premarket: 20 -0.1 (-0.5%)

20.1

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-12 2024-03-12/amc
Earnings (Next)04-19 2024-04-19/amc
Inst Owners7.56%
Inst Owner Change-9.34%
Ins Owners8.39%
Ins Owner Change0%
Market Cap418.28M
Analysts47.5
Price Target19.21 (-4.43%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.19%
Yearly Dividend0.43
Dividend Growth(5Y)39.22%
DP30.47%
Div Incr Years5
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.72%
Min EPS beat(2)-1.01%
Max EPS beat(2)16.46%
EPS beat(4)2
Avg EPS beat(4)-1.37%
Min EPS beat(4)-25.16%
Max EPS beat(4)16.46%
EPS beat(8)3
Avg EPS beat(8)-3.9%
EPS beat(12)6
Avg EPS beat(12)0.05%
EPS beat(16)9
Avg EPS beat(16)5.33%
Revenue beat(2)1
Avg Revenue beat(2)-4.2%
Min Revenue beat(2)-9.91%
Max Revenue beat(2)1.52%
Revenue beat(4)1
Avg Revenue beat(4)-4.47%
Min Revenue beat(4)-9.91%
Max Revenue beat(4)1.52%
Revenue beat(8)1
Avg Revenue beat(8)-5.24%
Revenue beat(12)2
Avg Revenue beat(12)-3.77%
Revenue beat(16)6
Avg Revenue beat(16)-0.81%
PT rev (1m)0%
PT rev (3m)16.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.66%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 14.26
Fwd PE 14.99
P/S 3.73
P/FCF 9.6
P/OCF 9.43
P/B 1.16
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)1.41
EY7.01%
EPS(NY)1.34
Fwd EY6.67%
FCF(TTM)2.09
FCFY10.41%
OCF(TTM)2.13
OCFY10.6%
SpS5.38
BVpS17.37
TBVpS15.23
PEG (NY)N/A
PEG (5Y)3.88
Profitability
Industry RankSector Rank
ROA 0.95%
ROE 8.24%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.61%
GM N/A
FCFM 38.87%
ROA(3y)1.25%
ROA(5y)1.14%
ROE(3y)10.69%
ROE(5y)9.49%
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 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.78%
PM growth 5Y13.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.68
Debt/EBITDA N/A
Cap/Depr 28.73%
Cap/Sales 0.72%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 146.09%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC19.27%
ROIC/WACCN/A
Cap/Depr(3y)24.75%
Cap/Depr(5y)28.39%
Cap/Sales(3y)0.64%
Cap/Sales(5y)0.8%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-20.17%
EPS 3Y0.79%
EPS 5Y3.67%
EPS Q2Q%-33.4%
EPS Next Y-5.07%
EPS Next 2Y-5.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.11%
Revenue growth 3Y-2.13%
Revenue growth 5Y10.76%
Sales Q2Q%-13.25%
Revenue Next Year-1.14%
Revenue Next 2Y4.14%
Revenue Next 3YN/A
Revenue Next 5YN/A
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 1Y276.31%
FCF growth 3Y32.31%
FCF growth 5Y8.32%
OCF growth 1Y287.17%
OCF growth 3Y32.2%
OCF growth 5Y5.84%