CBTX (CBTX) Peer Comparison

$33.56

$-0.06 (-0.18%)

As on 02-Dec-2022 09:30EDT

Market cap

$717 Mln

Revenue (TTM)

$157 Mln

P/E Ratio

20

P/B Ratio

2.8

Div. Yield

1.8 %

Edit

	CBTX (CBTX)	BOK Financial (BOKF)	Columbia Banking System (COLB)	Cullen/Frost Bankers (CFR)	First Horizon National Corporation (FHN)	Old National Bancorp (ONB)	Prosperity Bancshares (PB)	South State Corp (SSB)	UMB Financial (UMBF)	Wintrust Financial (WTFC)
Market cap ($ Mln)	717	8,354	8,507	10,243	11,669	9,889	8,722	10,277	10,981	10,317
Revenue ($ Mln)	157	3,389	3,562	2,643	4,633	4,032	1,779	3,248	4,560	4,346
Net Profit ($ Mln)	34.50	650.50	711.00	683.68	1,057.00	886.28	562.31	950.21	942.68	900.36
Net Margin (%)	21.93	19.19	19.96	25.86	22.81	21.98	31.61	29.26	20.67	20.72
RoE (%)	6.63	10.84	9.24	14.87	11.56	10.38	7.07	10.45	11.99	12.18
Price to Earnings	20.03	12.96	11.84	15.58	11.84	11.44	12.64	11.13	12.02	12.29
Price-To-Book	2.80	1.38	1.15	2.32	1.38	1.18	1.05	1.13	1.42	1.45

Income Statement
Liabilities
Assets
Cashflow
Ratios

Income Statement ($ Mln)

	CBTX (CBTX)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Operating Revenue	157.36	3,154.00	1,241.99	1,417.01	1,861.60
Cost of Revenue	0.00	-146.00	66.00	-113.64	91.26
Gross Profit	142.43	3,300.00	1,175.99	1,530.65	1,770.34
Operating Expenses	32.98	2,016.00	746.93	926.37	1,132.54
Operating Profit (EBIT)	44.82	1,284.00	429.06	604.28	637.80
Other Income	0.00	--	--	--	--
Profit before Tax	44.82	1,284.00	429.06	604.28	637.80
Provision for Tax	10.32	274.00	76.04	128.74	171.65
Profit after Tax (Net Income)	34.50	999.00	353.02	475.54	466.15
Minority Interest	0.00	295.00	--	--	--
Consolidated Profit	34.50	962.00	353.02	475.54	438.19

Liabilities ($ Mln)

	CBTX (CBTX)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Shareholder's Funds	501.43	8,199.00	42,421.94	4,802.94	4,498.69
Minority Interest	0.00	295.00	--	--	--
Non-Current Liabilities	46.63	3,153.00	271.54	1,199.45	2,341.51
Current Liabilities	3,723.77	77,445.00	19,592.76	35,836.07	43,301.94
Total Liabilities	4,486.00	89,092.00	42,693.48	41,838.46	50,142.14

Assets ($ Mln)

	CBTX (CBTX)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Non-Current Assets	29.58	64,331.00	14,273.83	35,942.32	42,265.54
Current Assets	881.73	24,761.00	21,363.34	5,896.13	7,876.61
Total Assets	4,486.00	89,092.00	42,693.48	41,838.46	50,142.14
Total Debt*	13.75	3,714.00	3,518.46	1,098.00	2,425.71
Net Current Assets	0.00	--	--	--	--

Cashflow ($ Mln)

	CBTX (CBTX)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Cash From Operating Activities	34.81	741.00	534.08	537.27	1,130.87
Cash Flow from Investing Activities	-133.96	-4,617.00	-4,235.49	-2,319.26	-5,928.86
Cash from Financing Activities	511.29	4,016.00	9,418.41	4,015.89	4,886.72
Net Cash Inflow / Outflow	412.14	140.00	5,717.00	2,233.89	88.73

Ratios

Profitability Ratios

	CBTX (CBTX)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
ROCE (%)	5.75	8.18	0.87	8.12	6.92
ROE (%)	6.63	12.11	0.94	10.06	10.82
ROA (%)	0.53	1.15	0.93	1.19	0.98
EBIT Margin (%)	32.10	--	--	--	--
Net Margin (%)	21.93	31.67	28.42	33.56	25.04
Cash Profit Margin (%)	0.00	--	--	--	--

Growth Ratios

	CBTX (CBTX)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Revenue Growth (%)	9.61	0.13	-0.04	0.17	-0.02
EBIT Growth (%)	-19.86	--	--	--	--
Net Profit Growth (%)	-25.60	18.22	23.22	294.21	59.10
EPS Growth (%)	--	0.21	0.22	3.00	0.59
Book Value Growth (%)	--	--	--	--	--

Valuation Ratios

	CBTX (CBTX)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Price / Earnings	--	8.86	14.68	11.84	11.30
Price / Book Value	--	1.08	0.12	1.17	1.17
Dividend Yield (%)	--	--	--	--	--
EV/EBITDA	-23.25	-9.18	-25.85	1.25	-0.21
Market Cap ($ Cr)	--	--	--	--	--

Solvency Ratios

	CBTX (CBTX)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Debt to Equity	0.00	0.45	0.08	0.23	0.54
Short term debt to equity ratio	0.00	0.26	0.08	0.16	0.02
Current Ratio	0.24	0.32	1.09	0.16	0.18
Quick Ratio	0.24	0.32	1.64	0.16	0.34
Interest Coverage	8.87	7.83	9.33	11.70	4.23

Operating Efficiency Ratios

	CBTX (CBTX)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Debtors to sales (%)	0.00	2,044.59	10.56	2,038.55	1.40
Asset Turnover	0.02	0.04	0.03	0.04	0.04
Receivable days	7,333.75	6,632.06	39.85	6,357.46	4.27
Inventory Days	--	-37.53	-44,650.27	-25.26	-24,142.05
Payable days	--	-181,219.04	99,389.67	-105,657.65	2,647.54
Cash Conversion Cycle	--	187,813.57	-144,000.09	111,989.85	-26,785.32

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Annual
Quarterly