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Reliant Bancorp, Inc. (RBNC)
Key financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 37 | 38 | 35 | 48 | 44 | 107 | 132 |
| Operating profit | $m | 61 | 85 | |||||
| Net profit | $m | 6 | 9 | 7 | 14 | 16 | 31 | 51 |
| EPS reported | $ | 2.03 | 3.03 | |||||
| Operating cashflow per share | $ | -4.85 | -4.85 | |||||
| Capex per share | $ | 0.19 | 0.19 | |||||
| FCF per share | $ | -5.04 | -5.04 | |||||
| Free cash flow | $m | -78 | 79 | |||||
| Net debt | $m | -255 | -263 | |||||
| Book value equity | $m | 322 | 356 | |||||
| Book value per share | $ | 20.85 | 21.20 | |||||
| Number of shares | m | 15.44 | 16.81 | |||||
| DPS (TTM paid) | $ | 0.40 | 0.12 |
Financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 9.17 | - | |||||
| P/B LTM | x | 0.89 | 1.67 | |||||
| P/S LTM | x | 2.68 | 4.53 | |||||
| P/FCF LTM | x | -3.70 | 7.57 | |||||
| EV/EBITDA LTM | x | 4.37 | 3.55 | |||||
| EV/Sales LTM | x | 2.23 | 2.53 | |||||
| Earnings Yield LTM | % | 10.91% | 5.73% | |||||
| FCF Yield | % | -27.06% | 13.21% | |||||
| Quality | ||||||||
| ROE | % | 9.76% | 11.51% | |||||
| ROIC | % | 1.64% | 1.64% | |||||
| Operating margin | % | 46.75% | 46.75% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | -60.04% | -60.04% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +40.97% | +99.09% | |||||
| Sales Growth YoY | % | +141.84% | +51.39% | |||||
| Net Income Growth YoY | % | +93.95% | +117.48% | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | +45.24% | +66.08% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.17% | 0.34% | |||||
| Dividend Growth | % | - | - | |||||
| Payout Ratio | % | 19.82% | 15.24% | |||||
| FCF/Debt | x | -0.82 | 0.93 | |||||
| Net Debt/EBITDA | x | 0.02 | 0.02 | |||||
| EBIT/Net interest | x | 2.73 | 2.73 | |||||
| Net debt/market cap | % | -88.86% | -44.09% | |||||
| Net debt/Equity | x | -0.79 | -0.74 | |||||
| Gross debt/equity | x | 0.29 | 0.24 | |||||
Company overview
Reliant Bancorp, Inc. functions as the parent entity for Reliant Bank, delivering a broad spectrum of commercial banking solutions to both businesses and individual clients. Its operations are primarily categorized into Retail Banking and Residential Mortgage Banking. The bank's deposit products encompass checking, savings, and money market accounts, alongside certificates of deposit, time deposits, and both interest-bearing and non-interest-bearing demand deposit options. Reliant Bank extends a diverse range of loans, including financing for commercial, industrial, and agricultural ventures; residential mortgages (1-4 family homes), home equity lines of credit (HELOCs), multi-family and commercial real estate loans, as well as construction, land development, and farmland loans. It also provides consumer loans for personal expenditures and lends to state/political subdivisions and other financial institutions. Furthermore, the company facilitates the origination of traditional first lien residential mortgage loans and first lien home equity lines of credit. It enhances customer convenience with debit cards, mobile deposit capabilities, direct deposit services, online and mobile banking platforms, and automated teller machines. By the close of 2020, Reliant Bancorp maintained 27 full-service branches throughout Middle Tennessee, operated 7 mortgage offices spanning Tennessee and Arkansas, and managed a loan production office situated in Knoxville, Tennessee. Originally founded in 2006, the company adopted its current name, Reliant Bancorp, Inc., in January 2018, having previously traded as Commerce Union Bancshares, Inc. Its corporate headquarters are located in Brentwood, Tennessee.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Reliant Bancorp, Inc. (RBNC)
Reliant Bancorp, Inc. functions as the parent entity for Reliant Bank, delivering a broad spectrum of commercial banking solutions to both businesses and individual clients. Its operations are primarily categorized into Retail Banking and Residential Mortgage Banking. The bank's deposit products encompass checking, savings, and money market accounts, alongside certificates of deposit, time deposits, and both interest-bearing and non-interest-bearing demand deposit options. Reliant Bank extends a diverse range of loans, including financing for commercial, industrial, and agricultural ventures; residential mortgages (1-4 family homes), home equity lines of credit (HELOCs), multi-family and commercial real estate loans, as well as construction, land development, and farmland loans. It also provides consumer loans for personal expenditures and lends to state/political subdivisions and other financial institutions. Furthermore, the company facilitates the origination of traditional first lien residential mortgage loans and first lien home equity lines of credit. It enhances customer convenience with debit cards, mobile deposit capabilities, direct deposit services, online and mobile banking platforms, and automated teller machines. By the close of 2020, Reliant Bancorp maintained 27 full-service branches throughout Middle Tennessee, operated 7 mortgage offices spanning Tennessee and Arkansas, and managed a loan production office situated in Knoxville, Tennessee. Originally founded in 2006, the company adopted its current name, Reliant Bancorp, Inc., in January 2018, having previously traded as Commerce Union Bancshares, Inc. Its corporate headquarters are located in Brentwood, Tennessee.
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