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Spirit of Texas Bancshares, Inc is a banks-regional business based in the US. Spirit of Texas Bancshares shares (STXB) are listed on the NASDAQ and all prices are listed in US Dollars. Spirit of Texas Bancshares employs 395 staff and has a trailing 12-month revenue of around USD$105.8 million.
|52-week range||USD$8.8649 - USD$21|
|50-day moving average||USD$18.6752|
|200-day moving average||USD$15.1138|
|Wall St. target price||USD$22|
|Dividend yield||USD$0.07 (0.35%)|
|Earnings per share (TTM)||USD$1.41|
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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.
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Valuing Spirit of Texas Bancshares stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Spirit of Texas Bancshares's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Spirit of Texas Bancshares's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 15x. In other words, Spirit of Texas Bancshares shares trade at around 15x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
|Revenue TTM||USD$105.8 million|
|Operating margin TTM||34.17%|
|Gross profit TTM||USD$89.6 million|
|Return on assets TTM||1.02%|
|Return on equity TTM||7.72%|
|Market capitalisation||USD$356.8 million|
TTM: trailing 12 months
There are currently 170,118 Spirit of Texas Bancshares shares held short by investors – that's known as Spirit of Texas Bancshares's "short interest". This figure is 12.2% down from 193,697 last month.
There are a few different ways that this level of interest in shorting Spirit of Texas Bancshares shares can be evaluated.
Spirit of Texas Bancshares's "short interest ratio" (SIR) is the quantity of Spirit of Texas Bancshares shares currently shorted divided by the average quantity of Spirit of Texas Bancshares shares traded daily (recently around 28118.67768595). Spirit of Texas Bancshares's SIR currently stands at 6.05. In other words for every 100,000 Spirit of Texas Bancshares shares traded daily on the market, roughly 6050 shares are currently held short.
However Spirit of Texas Bancshares's short interest can also be evaluated against the total number of Spirit of Texas Bancshares shares, or, against the total number of tradable Spirit of Texas Bancshares shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Spirit of Texas Bancshares's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 Spirit of Texas Bancshares shares in existence, roughly 10 shares are currently held short) or 0.0131% of the tradable shares (for every 100,000 tradable Spirit of Texas Bancshares shares, roughly 13 shares are currently held short).
A SIR below 10% would generally be considered to indicate a fairly optimistic outlook for the share price, with fewer people currently willing to bet against Spirit of Texas Bancshares.
Find out more about how you can short Spirit of Texas Bancshares stock.
Dividend payout ratio: 8.89% of net profits
Recently Spirit of Texas Bancshares has paid out, on average, around 8.89% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.78% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Spirit of Texas Bancshares shareholders could enjoy a 1.78% return on their shares, in the form of dividend payments. In Spirit of Texas Bancshares's case, that would currently equate to about $0.07 per share.
While Spirit of Texas Bancshares's payout ratio might seem low, this can signify that Spirit of Texas Bancshares is investing more in its future growth.
Spirit of Texas Bancshares's most recent dividend payout was on 19 January 2021. The latest dividend was paid out to all shareholders who bought their shares by 4 January 2021 (the "ex-dividend date").
Over the last 12 months, Spirit of Texas Bancshares's shares have ranged in value from as little as $8.8649 up to $21. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Spirit of Texas Bancshares's is 1.0927. This would suggest that Spirit of Texas Bancshares's shares are a little bit more volatile than the average for this exchange and represent, relatively-speaking, a slightly higher risk (but potentially also market-beating returns).
Spirit of Texas Bancshares, Inc. operates as the holding company for Spirit of Texas Bank SSB that provides various commercial and retail banking services. It offers checking, money market, savings, and individual retirement accounts, as well as various certificates of deposit. The company also provides commercial and industrial loans; 1-4 single family residential real estate loans; construction, land, and development loans; commercial real estate loans, such as owner and nonowner-occupied commercial real estate loans, other commercial real estate loans, and multifamily loans and farmland; consumer loans and leases; and municipal and other loans. In addition, it offers a range of ancillary banking services, including treasury management, wire transfer, ATM access, and co-branded credit card services; consumer and commercial online banking services; merchant services, including credit card processing; and mobile applications, safe deposit boxes, and debit and credit cards. Further, the company invests in U.S. Treasury bills and notes, as well as in securities of federally sponsored agencies, such as Federal Home Loan Bank bonds. As of April 16, 2020, it operated through a network of 41 full-service branches located in the Houston, Dallas/Fort Worth, Austin, Bryan/College Station, San Antonio-New Braunfels, Corpus Christi, and Tyler metropolitan areas, as well as offices in North Central Texas. The company serves individuals, professionals, small and medium-sized businesses, and commercial companies. Spirit of Texas Bancshares, Inc. was founded in 2008 and is headquartered in Conroe, Texas.
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