NasdaqCM:STBZ

Stock Analysis Report

Executive Summary

State Bank Financial Corporation operates as the bank holding company for State Bank and Trust Company that provides various community banking services to individuals and businesses.

Snowflake

Fundamentals

Excellent balance sheet with moderate growth potential.


Similar Companies

Share Price & News

How has State Bank Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

5.4%

STBZ

2.7%

US Banks

0.5%

US Market


1 Year Return

-28.1%

STBZ

2.9%

US Banks

6.8%

US Market


Shareholder returns

STBZIndustryMarket
7 Day5.4%2.7%0.5%
30 Day-11.0%1.1%-0.8%
90 Day-28.6%2.7%-0.9%
1 Year-26.1%-28.1%5.8%2.9%9.2%6.8%
3 Year9.8%2.0%52.0%41.5%45.6%36.2%
5 Year29.9%17.8%69.2%50.7%63.2%45.4%

Price Volatility Vs. Market

How volatile is State Bank Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is State Bank Financial undervalued compared to its fair value and its price relative to the market?

14.09x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

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Price To Earnings Ratio

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Price to Earnings Growth Ratio

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Price to Book Ratio

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Next Steps

Future Growth

How is State Bank Financial forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

20.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

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High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

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Earnings per Share Growth Forecasts


Future Return on Equity

Information is not available.


Next Steps

Past Performance

How has State Bank Financial performed over the past 5 years?

23.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

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Return on Equity

Information is not available.


Return on Assets

Information is not available.


Return on Capital Employed

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Next Steps

Financial Health

How is State Bank Financial's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Asset Level: STBZ's level of assets compared to its equity is low.

Allowance for Bad Loans: STBZ has a low allowance for bad loans.

Low Risk Liabilities: STBZ's liabilities are made up of primarily low risk sources of funding.

Loan Level: STBZ has an acceptable proportion of non-loan assets held.

Low Risk Deposits: STBZ's loans are broadly funded by customer deposits.

Level of Bad Loans: STBZ has an appropriate level of bad loans (0.97%)


Next Steps

Dividend

What is State Bank Financial's current dividend yield, its reliability and sustainability?

3.73%

Current Dividend Yield


Dividend Yield vs Market

company3.7%marketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Years3.7%

Current dividend yield vs market & industry


Stability and Growth of Payments

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Stable Dividend: Whilst dividend payments have been stable, STBZ has been paying a dividend for less than 10 years.

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Current Payout to Shareholders

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Future Payout to Shareholders

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Next Steps

Management

What is the CEO of State Bank Financial's salary, the management and board of directors tenure and is there insider trading?

4.5yrs

Average management tenure


CEO

Tom Wiley (66yo)

1.5yrs

Tenure

US$797,915

Compensation

Mr. J. Thomas Wiley, Jr., also known as Tom, has served as Chief Executive Officer of State Bank and Trust Company (“State Bank”) since January 2015, as Chief Executive Officer of State Bank Financial Corp ...


CEO Compensation Analysis

Information is not available.

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Management Age and Tenure

4.5yrs

Average Tenure

57yo

Average Age

Information is not available.


Board Age and Tenure

6.3yrs

Average Tenure

65.5yo

Average Age

Information is not available.


Insider Trading

Information is not available.


Recent Insider Transactions

SellUS$235,61710 Dec 18
Remer Brinson
EntityIndividual
Role
Senior Key Executive
Executive Vice President
Shares10,000
Max PriceUS$23.57

Ownership Breakdown


Management Team

  • Michael Fitzgerald (59yo)

    Chief Talent Officer of State Bank & Trust Company and Executive VP of State Bank & Trust Company

    • Tenure: 3.3yrs
  • Remer Brinson (57yo)

    Executive Vice President

    • Tenure: 3.9yrs
    • Compensation: US$673.17k
  • Sheila Ray (60yo)

    Executive VP

    • Tenure: 3.9yrs
    • Compensation: US$472.80k
  • Steven Deaton (55yo)

    Executive VP & Chief Risk Officer

    • Tenure: 6.3yrs
  • Tom Wiley (66yo)

    Vice Chairman

    • Tenure: 1.5yrs
    • Compensation: US$797.92k
  • David Brown (52yo)

    Executive VP & Corporate Development Officer

    • Tenure: 5yrs
  • Kim Childers (59yo)

    Executive Risk Officer & Vice Chairman of the Board

    • Tenure: 8.9yrs
    • Compensation: US$644.65k
  • David Cline (57yo)

    Chief Information Officer & Executive VP

    • Tenure: 8.9yrs
  • Bradford Watkins (51yo)

    MD of Commercial Finance Group & Executive VP

    • Tenure: 7.9yrs
    • Compensation: US$533.62k
  • Chip Frierson

    Market President of Gainesville

    • Tenure: 0.9yrs

Board Members

  • Jim Balkcom (73yo)

    Lead Director

    • Tenure: 7.9yrs
    • Compensation: US$95.17k
  • Joe Evans (69yo)

    Chairman of the Board

    • Tenure: 0yrs
    • Compensation: US$470.02k
  • Tom Wiley (66yo)

    Vice Chairman

    • Tenure: 1.5yrs
    • Compensation: US$797.92k
  • John Houser (70yo)

    Director

    • Tenure: 6.3yrs
    • Compensation: US$100.17k
  • Will McKnight (60yo)

    Director

    • Tenure: 3.8yrs
    • Compensation: US$87.67k
  • Kim Childers (59yo)

    Executive Risk Officer & Vice Chairman of the Board

    • Tenure: 8.9yrs
    • Compensation: US$644.65k
  • Virginia Hepner (60yo)

    Director

    • Tenure: 8.2yrs
    • Compensation: US$89.67k
  • Archie Bransford (65yo)

    Director

    • Tenure: 8.9yrs
    • Compensation: US$95.67k
  • Anne Kaiser (62yo)

    Director

    • Tenure: 2.3yrs
    • Compensation: US$84.67k
  • Ann Curry (74yo)

    Director

    • Tenure: 5.4yrs
    • Compensation: US$84.17k

Company Information

State Bank Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: State Bank Financial Corporation
  • Ticker: STBZ
  • Exchange: NasdaqCM
  • Founded: 2005
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$809.573m
  • Shares outstanding: 37.72m
  • Website: https://www.statebt.com

Number of Employees


Location

  • State Bank Financial Corporation
  • 3399 Peachtree Road, N.E.
  • Suite 1900
  • Atlanta
  • Georgia
  • 30326
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
STBZNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDSep 2010

Biography

State Bank Financial Corporation operates as the bank holding company for State Bank and Trust Company that provides various community banking services to individuals and businesses. The company’s deposit  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2018/12/30 00:25
End of Day Share Price2018/12/28 00:00
Earnings2018/09/30
Annual Earnings2017/12/31


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.