Spirit of Texas Bancshares (NASDAQ: STXB) is one of 261 publicly-traded companies in the “State commercial banks” industry, but how does it weigh in compared to its competitors? We will compare Spirit of Texas Bancshares to similar companies based on the strength of its analyst recommendations, valuation, dividends, risk, institutional ownership, profitability and earnings.
Analyst Recommendations
This is a summary of current ratings and target prices for Spirit of Texas Bancshares and its competitors, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Spirit of Texas Bancshares | 0 | 0 | 3 | 0 | 3.00 |
| Spirit of Texas Bancshares Competitors | 1941 | 6457 | 5049 | 292 | 2.27 |
Spirit of Texas Bancshares currently has a consensus price target of $23.77, suggesting a potential upside of 9.52%. As a group, “State commercial banks” companies have a potential upside of 21.09%. Given Spirit of Texas Bancshares’ competitors higher probable upside, analysts clearly believe Spirit of Texas Bancshares has less favorable growth aspects than its competitors.
Profitability
This table compares Spirit of Texas Bancshares and its competitors’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Spirit of Texas Bancshares | 14.71% | 8.95% | 1.12% |
| Spirit of Texas Bancshares Competitors | 22.47% | 9.26% | 0.94% |
Institutional and Insider Ownership
29.7% of Spirit of Texas Bancshares shares are owned by institutional investors. Comparatively, 47.2% of shares of all “State commercial banks” companies are owned by institutional investors. 14.0% of Spirit of Texas Bancshares shares are owned by insiders. Comparatively, 11.8% of shares of all “State commercial banks” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Valuation and Earnings
This table compares Spirit of Texas Bancshares and its competitors gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Net Income | Price/Earnings Ratio | |
| Spirit of Texas Bancshares | $67.83 million | $9.98 million | 20.67 |
| Spirit of Texas Bancshares Competitors | $1.41 billion | $276.38 million | 13.13 |
Spirit of Texas Bancshares’ competitors have higher revenue and earnings than Spirit of Texas Bancshares. Spirit of Texas Bancshares is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.
Summary
Spirit of Texas Bancshares competitors beat Spirit of Texas Bancshares on 7 of the 12 factors compared.
Spirit of Texas Bancshares Company Profile
Spirit of Texas Bancshares, Inc. operates as the holding company for Spirit of Texas Bank SSB that provides various commercial and retail banking services to small and medium-sized businesses and individuals. It offers checking accounts, money market accounts, savings accounts, certificates of deposit, and IRA accounts, 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-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 debit and credit cards, safe deposit boxes, wire transfer and treasury management services, and online banking services; and invests in U.S. Treasury bills and notes, as well as in securities of federally sponsored agencies, such as Federal Home Loan Bank bonds. The company operates through a network of 15 full-service branches located in the Houston, Dallas/Fort Worth, and Bryan/College Station metropolitan areas, the United States. Spirit of Texas Bancshares, Inc. was founded in 2008 and is headquartered in Conroe, Texas.
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