| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 1/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 3/6 |
CSTR Stock Overview
CapStar Financial Holdings, Inc. operates as the bank holding company for CapStar Bank that provides banking services to consumer and corporate customers located primarily in Tennessee, the United States.
CapStar Financial Holdings Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$20.23 |
| 52 Week High | US$23.00 |
| 52 Week Low | US$18.92 |
| Beta | 0.98 |
| 1 Month Change | -5.11% |
| 3 Month Change | -5.02% |
| 1 Year Change | -6.77% |
| 3 Year Change | 39.13% |
| 5 Year Change | 9.65% |
| Change since IPO | 27.23% |
Recent News & Updates
Shareholder Returns
| CSTR | US Banks | US Market | |
|---|---|---|---|
| 7D | 1.0% | 3.8% | -0.5% |
| 1Y | -6.8% | -16.6% | -12.3% |
Return vs Industry: CSTR exceeded the US Banks industry which returned -19.9% over the past year.
Return vs Market: CSTR exceeded the US Market which returned -12.9% over the past year.
Price Volatility
| CSTR volatility | |
|---|---|
| CSTR Average Weekly Movement | 2.6% |
| Banks Industry Average Movement | 4.0% |
| Market Average Movement | 7.8% |
| 10% most volatile stocks in US Market | 16.9% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: CSTR is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: CSTR's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2007 | 397 | Tim Schools | https://www.capstarbank.com |
CapStar Financial Holdings, Inc. operates as the bank holding company for CapStar Bank that provides banking services to consumer and corporate customers located primarily in Tennessee, the United States. Its deposit products and services include demand deposits, interest-bearing transaction accounts, money market accounts, time and savings deposits, certificates of deposit, and CDARS reciprocal products. The company also provides commercial and consumer real estate, construction and land development, commercial and industrial, consumer, PPP, and other loans.
CapStar Financial Holdings Fundamentals Summary
| CSTR fundamental statistics | |
|---|---|
| Market Cap | US$443.75m |
| Earnings (TTM) | US$48.32m |
| Revenue (TTM) | US$134.46m |
9.2x
P/E Ratio1.2x
P/B RatioIs CSTR overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CSTR income statement (TTM) | |
|---|---|
| Revenue | US$134.46m |
| Cost of Revenue | US$0 |
| Gross Profit | US$134.46m |
| Other Expenses | US$86.14m |
| Earnings | US$48.32m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.19 |
| Gross Margin | 100.00% |
| Net Profit Margin | 35.94% |
| Debt/Equity Ratio | 8.0% |
How did CSTR perform over the long term?
See historical performance and comparisonDividends
2.0%
Current Dividend Yield13%
Payout RatioValuation
Is CapStar Financial Holdings undervalued compared to its fair value and its price relative to the market?
Valuation Score
4/6Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CSTR ($20.11) is trading below our estimate of fair value ($50.75)
Significantly Below Fair Value: CSTR is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CSTR is good value based on its PE Ratio (9.2x) compared to the US Banks industry average (9.7x).
PE vs Market: CSTR is good value based on its PE Ratio (9.2x) compared to the US market (15.1x).
Price to Earnings Growth Ratio
PEG Ratio: CSTR is poor value based on its PEG Ratio (1.9x)
Price to Book Ratio
PB vs Industry: CSTR is overvalued based on its PB Ratio (1.2x) compared to the US Banks industry average (1.1x).
Future Growth
How is CapStar Financial Holdings forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?
Future Growth Score
1/6Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
4.9%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CSTR's forecast earnings growth (4.9% per year) is above the savings rate (1.9%).
Earnings vs Market: CSTR's earnings (4.9% per year) are forecast to grow slower than the US market (12.5% per year).
High Growth Earnings: CSTR's earnings are forecast to grow, but not significantly.
Revenue vs Market: CSTR's revenue (6.6% per year) is forecast to grow slower than the US market (7.8% per year).
High Growth Revenue: CSTR's revenue (6.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CSTR's Return on Equity is forecast to be low in 3 years time (11.6%).
Past Performance
How has CapStar Financial Holdings performed over the past 5 years?
Past Performance Score
4/6Past Performance Score 4/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
46.4%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CSTR has high quality earnings.
Growing Profit Margin: CSTR's current net profit margins (35.9%) are higher than last year (27.6%).
Past Earnings Growth Analysis
Earnings Trend: CSTR's earnings have grown significantly by 46.4% per year over the past 5 years.
Accelerating Growth: CSTR's earnings growth over the past year (40.5%) is below its 5-year average (46.4% per year).
Earnings vs Industry: CSTR earnings growth over the past year (40.5%) exceeded the Banks industry 20.9%.
Return on Equity
High ROE: CSTR's Return on Equity (13.1%) is considered low.
Financial Health
How is CapStar Financial Holdings's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
6/6Financial Health Score 6/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CSTR's Assets to Equity ratio (8.6x) is low.
Allowance for Bad Loans: CSTR has a sufficient allowance for bad loans (596%).
Low Risk Liabilities: 98% of CSTR's liabilities are made up of primarily low risk sources of funding.
Loan Level: CSTR has an appropriate level of Loans to Assets ratio (64%).
Low Risk Deposits: CSTR's Loans to Deposits ratio (74%) is appropriate.
Level of Bad Loans: CSTR has an appropriate level of bad loans (0.2%).
Dividend
What is CapStar Financial Holdings's current dividend yield, its reliability and sustainability?
Dividend Score
3/6Dividend Score 3/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
1.98%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CSTR's dividend (1.99%) is higher than the bottom 25% of dividend payers in the US market (1.58%).
High Dividend: CSTR's dividend (1.99%) is low compared to the top 25% of dividend payers in the US market (4.11%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, CSTR has been paying a dividend for less than 10 years.
Growing Dividend: CSTR's dividend payments have increased, but the company has only paid a dividend for 4 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (12.8%), CSTR's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: CSTR's dividends in 3 years are forecast to be well covered by earnings (21.8% payout ratio).
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
1.3yrs
Average management tenure
CEO
Tim Schools (51 yo)
3yrs
Tenure
US$1,130,435
Compensation
Mr. Timothy K. Schools, also known as Tim, is the Chief Executive Officer and Director at CapStar Financial Holdings, Inc. since July 31, 2019 and has been its President since May 13, 2019. Mr. Schools is...
CEO Compensation Analysis
Compensation vs Market: Tim's total compensation ($USD1.13M) is below average for companies of similar size in the US market ($USD2.60M).
Compensation vs Earnings: Tim's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: CSTR's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.
Board Members
Experienced Board: CSTR's board of directors are seasoned and experienced ( 12.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
CapStar Financial Holdings, Inc.'s employee growth, exchange listings and data sources
Key Information
- Name: CapStar Financial Holdings, Inc.
- Ticker: CSTR
- Exchange: NasdaqGS
- Founded: 2007
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$443.749m
- Shares outstanding: 22.07m
- Website: https://www.capstarbank.com
Number of Employees
Location
- CapStar Financial Holdings, Inc.
- 1201 Demonbreun Street
- Suite 700
- Nashville
- Tennessee
- 37203
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/05/24 00:00 |
| End of Day Share Price | 2022/05/24 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2021/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.