Market Price

36.48 

-0.38 -1.0%

as of Jan 15 '21

52 Week Range:

20.88 38.95


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 0.05
0.04
0.01
0.01
0.03
15.30
21.69
22.89
14.96
34.41
growth rate -20.0% -75.0% 0.0% 200.0% 50,900.0% 41.8% 5.5% -34.6% 130.0%
Earnings BIT 14.06
24.93
33.84
29.93
growth rate 77.3% 35.7% -11.6%
Avg.PE 14.00
21.31
30.61
15.22
14.57
growth rate 52.2% 43.6% -50.3% -4.3%
ROA -45.96
-64.39
-45.63
-160.57
0.59
0.74
0.91
1.01
0.66
0.99
1.10
growth rate 0.0% 0.0% 0.0% 100.0% 25.4% 23.0% 11.0% -34.7% 50.0% 11.1%
ROE -70.46
-127.24
-97.87
6.23
7.46
7.80
8.49
6.01
7.39
7.50
growth rate 0.0% 0.0% 100.0% 19.7% 4.6% 8.9% -29.2% 23.0% 1.5%
ROIC -49.98
-69.33
-50.55
-193.12
-162.39
-176.86
growth rate 0.0% 0.0% 0.0% 0.0% 0.0%
Cur. Ratio 11.35
9.07
3.45
0.73
3.11
7.83
2.37
growth rate -20.1% -62.0% -78.8% 326.0% 151.8% -69.7%
Quick Ratio 10.99
8.74
3.10
0.55
2.79
7.68
2.20
growth rate -20.5% -64.5% -82.3% 407.3% 175.3% -71.4%
Leverage 1.86
2.11
2.24
10.61
9.71
8.06
8.76
9.32
6.62
7.03
growth rate 13.4% 6.2% 117.6% -8.5% -17.0% 8.7% 6.4% -29.0% 6.2%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 2.98
3.29
6.52
9.01
12.19
growth rate 10.1% 98.4% 38.2% 35.4%
Acct.Payable 0.08
1,133.68
1,759.13
1,870.18
2,213.97
3,662.54
4,068.10
growth rate 1,434,943.0% 55.2% 6.3% 18.4% 65.4% 11.1%
Cur.Assets 170.83
184.37
152.89
194.87
286.59
370.05
growth rate 7.9% -17.1% 27.5% 47.1% 29.1%
Total Assets 1,164.76
1,280.01
2,084.58
2,450.95
2,860.23
4,655.25
4,992.65
growth rate 9.9% 62.9% 17.6% 16.7% 62.8% 7.3%
Cash 300.48
140.14
98.13
142.10
182.10
241.25
346.25
growth rate -53.4% -30.0% 44.8% 28.2% 32.5% 43.5%
Inventory 0.13
1.79
0.57
0.63
8.34
growth rate 1,265.7% -68.1% 10.5% 1,223.3%
Cur.Liabilities 1,133.73
1,809.26
1,870.47
2,214.58
3,665.35
4,075.29
growth rate 59.6% 3.4% 18.4% 65.5% 11.2%
Liabilities 1,055.02
1,148.23
1,826.09
2,171.13
2,553.37
3,952.27
4,282.79
growth rate 8.8% 59.0% 18.9% 17.6% 54.8% 8.4%
LT Debt 10.07
9.66
294.77
331.23
274.39
183.30
growth rate -4.1% 2,952.0% 12.4% -17.2% -33.2%
Equity 109.74
131.78
258.49
279.82
306.87
702.98
709.87
growth rate 20.1% 96.2% 8.3% 9.7% 129.1% 1.0%
Common Shares 50.00
55.00
69.00
95.00
13.00
13.00
11.00
13.00
13.00
16.00
21.00
growth rate 10.0% 25.5% 37.7% -86.3% 0.0% -15.4% 18.2% 0.0% 23.1% 31.3%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 0.51
2.10
1.94
1.51
2.13
3.42
13.39
growth rate 314.9% -7.5% -22.1% 41.2% 60.3% 291.5%
Cash Dividends 0.56
0.56
0.00
growth rate 0.0% -100.0%
Cash From OA 9.99
13.67
20.42
27.44
33.43
46.06
66.87
growth rate 36.8% 49.4% 34.4% 21.9% 37.8% 45.2%
FCF per Share -0.06
-0.06
-0.05
-0.02
-0.02
-0.03
0.70
1.83
2.31
2.67
2.51
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% 161.4% 26.2% 15.6% -6.0%
Sale Purchase of Stock 17.78
11.09
57.27
2.04
4.25
growth rate -37.6% 416.5% -96.4% 107.8%
FCF -5.00
-5.00
-5.00
-4.00
9.00
12.00
16.00
26.00
31.00
43.00
53.00
growth rate 0.0% 0.0% 0.0% 100.0% 33.3% 33.3% 62.5% 19.2% 38.7% 23.3%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 39.98
47.29
78.37
89.61
96.34
132.04
187.02
growth rate 18.3% 65.7% 14.4% 7.5% 37.1% 41.6%
Op.Income 6.84
14.98
25.74
32.72
29.43
51.04
75.53
growth rate 119.0% 71.8% 27.1% -10.1% 73.4% 48.0%
IBT 10.69
13.83
23.56
32.41
26.38
45.26
66.39
growth rate 29.4% 70.3% 37.5% -18.6% 71.6% 46.7%
Net Income 6.84
9.01
15.79
22.85
17.63
37.31
52.96
growth rate 31.7% 75.3% 44.8% -22.8% 111.6% 42.0%
EPS -0.10
-0.10
-0.04
-0.05
0.53
0.70
1.43
1.75
1.31
2.37
2.47
growth rate 0.0% 0.0% 0.0% 100.0% 32.1% 104.3% 22.4% -25.1% 80.9% 4.2%
Gross Profit 47.29
78.37
89.61
96.34
132.04
187.02
growth rate 65.7% 14.4% 7.5% 37.1% 41.6%

Quarterly Statements

Item Name Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Earnings BIT
growth rate
Balance Sheet Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Acct.Receivable
growth rate
Acct.Payable 3,897.49
4,068.10
3,953.57
4,700.71
4,917.37
growth rate 4.4% -2.8% 18.9% 4.6%
Cur.Assets 324.15
370.05
204.71
311.04
393.02
growth rate 14.2% -44.7% 51.9% 26.4%
Total Assets 4,905.84
4,992.65
5,002.43
5,836.88
5,967.75
growth rate 1.8% 0.2% 16.7% 2.2%
Cash 300.62
346.25
174.89
266.40
347.15
growth rate 15.2% -49.5% 52.3% 30.3%
Inventory 8.33
8.34
12.62
11.85
8.88
growth rate 0.1% 51.3% -6.1% -25.1%
Cur.Liabilities 3,902.40
4,075.29
3,957.40
4,706.86
4,924.89
growth rate 4.4% -2.9% 18.9% 4.6%
Liabilities 4,199.53
4,282.79
4,295.84
5,100.74
5,214.70
growth rate 2.0% 0.3% 18.7% 2.2%
LT Debt 267.27
183.30
298.44
363.57
263.70
growth rate -31.4% 62.8% 21.8% -27.5%
Equity 706.31
709.87
706.59
736.14
753.05
growth rate 0.5% -0.5% 4.2% 2.3%
Common Shares 20.74
20.52
20.36
20.43
20.45
growth rate -1.0% -0.8% 0.4% 0.1%
Cash Flow Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Capital Expenditures 11.21
1.11
1.51
1.43
2.59
growth rate -90.1% 36.5% -5.6% 81.4%
Cash Dividends 2.03
2.03
2.03
2.04
2.03
growth rate 0.0% 0.0% 0.4% -0.7%
Cash From OA 20.99
12.10
10.41
12.72
14.49
growth rate -42.3% -14.0% 22.2% 13.9%
Sale Purchase of Stock
growth rate
FCF 9.77
11.00
8.90
11.30
11.91
growth rate 12.6% -19.1% 26.9% 5.4%
Income Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Sales 45.13
46.99
36.76
41.74
52.41
growth rate 4.1% -21.8% 13.6% 25.6%
Op.Income 16.26
18.96
5.98
13.56
23.73
growth rate 16.6% -68.5% 126.7% 75.0%
IBT 15.12
17.56
4.36
11.96
19.85
growth rate 16.2% -75.2% 174.4% 65.9%
Net Income 12.05
13.99
3.52
9.91
16.17
growth rate 16.1% -74.9% 181.8% 63.2%
Gross Profit 45.13
46.99
36.76
41.74
52.41
growth rate 4.1% -21.8% 13.6% 25.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (66.44)

YOY Growth Grade:

C (51.39)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 17.28 17.34 15.08
EPS / Growth 18.1% 2.10

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 32.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 18.1% 25.3% 25.3%
Future PE 15.08 16.55 27.65
Future EPS 11.13 20.07 20.07
Value Price
MOS %
41.51
13.8%
82.09
125.0%
137.20
276.1%
MOS Price 20.76 41.05 68.60
IRT 7.77 6.64 6.64

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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