ABTX:NSD-Allegiance Bancshares, Inc (USD)

COMMON STOCK | Banks—Regional | NYE

Last Closing Price

USD 26.22

Change

-1.71 (-6.12)%

Market Cap

USD 0.55B

Volume

0.09M

Average Target Price

USD 27.00 (+2.97%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Allegiance Bancshares, Inc. operates as the bank holding company for Allegiance Bank that provides a range of commercial banking services primarily to small and medium-sized businesses, professionals, and individual customers. It accepts deposit products, including checking accounts, commercial accounts, and savings accounts, as well as other time deposits comprising money market accounts and certificates of deposit. The company also grants various loan products, which include commercial and industrial loans; mortgage warehouse loans; commercial real estate loans, including multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans, such as 1-4 family residential mortgage loans; residential construction loans; and consumer and other loans. In addition, it offers automated teller machines, drive-through services, and depository facilities; mobile banking services; and telephone, mail, and Internet banking services. Further, the company provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. As of December 31, 2018, it operated 27 bank offices and 1 loan production office in the Houston metropolitan area, as well as 1 bank office location in Beaumont. The company was founded in 2007 and is headquartered in Houston, Texas.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-05-28 )

Largest Industry Peers for Banks—Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
USB-PP U.S. Bancorp

-0.09 (-0.33%)

USD85.84B 5.99 N/A
USB-PO U.S. Bancorp

-0.06 (-0.23%)

USD83.27B 5.81 N/A
USB-PH U.S. Bancorp

-0.05 (-0.22%)

USD82.62B 4.35 N/A
USB-PM U.S. Bancorp

-0.05 (-0.19%)

USD80.73B 6.19 N/A
HDB HDFC Bank Limited

+0.28 (+0.69%)

USD65.20B 19.47 N/A
PNC-PQ The PNC Financial Services Gro..

-0.01 (-0.04%)

USD59.53B 2.14 N/A
USB U.S. Bancorp

-1.11 (-2.95%)

USD53.97B 8.51 N/A
PNC The PNC Financial Services Gro..

-0.80 (-0.69%)

USD46.48B 10.21 N/A
ITUB Itau Unibanco Holding S.A

-0.16 (-3.56%)

USD42.05B 9.56 N/A
MFG Mizuho Financial Group, Inc

+0.06 (+2.45%)

USD31.04B 6.92 N/A

ETFs Containing ABTX

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks—Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -30.27% 51% F 24% F
Dividend Return 0.53% 15% F 27% F
Total Return -29.73% 48% F 24% F
Trailing 12 Months  
Capital Gain -23.31% 70% C- 30% F
Dividend Return 0.58% 8% F 11% F
Total Return -22.73% 68% D+ 29% F
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain 13.74% 76% C 74% C
Dividend Return 0.02% N/A N/A N/A N/A
Total Return 13.76% 67% D+ 72% C-
Risk Return Profile  
Volatility (Standard Deviation) 33.43% 10% F 42% F
Risk Adjusted Return 41.17% 34% F 63% D
Market Capitalization 0.55B 17% F 49% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks—Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 12.07 27% F 64% D
Price/Book Ratio 0.72 55% F 76% C
Price / Cash Flow Ratio 8.27 33% F 38% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 6.21% 19% F 44% F
Return on Invested Capital 6.64% 72% C- 55% F
Return on Assets 0.90% 43% F 26% F
Debt to Equity Ratio 25.82% 81% B- 78% C+
Technical Ratios  
Short Ratio 10.58 3% F 3% F
Short Percent 5.93% 20% F 49% F
Beta 1.36 46% F 31% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.