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Spirit of Texas Bancshares Inc (STXB) Stock Forecast 2025 - AI Price Prediction & Analysis


Spirit of Texas Bancshares Inc (STXB) AI Stock Price Forecast & Investment Analysis

Spirit of Texas Bancshares Inc Stock Price Chart and Technical Analysis

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Spirit of Texas Bancshares Inc (STXB) - Comprehensive Stock Analysis & Investment Research

Deep dive into Spirit of Texas Bancshares Inc's business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Understanding Company Overview

What this section covers: Essential business information about Spirit of Texas Bancshares Inc, including sector classification, industry positioning, and organizational structure.

How to interpret: Company size, sector, and employee count provide context for market position and growth potential. Leadership and founding date indicate stability and experience.

For Spirit of Texas Bancshares Inc: Spirit of Texas Bancshares Inc operates in the Finance and Insurance sector, making it an emerging small-cap investment.

Spirit of Texas Bancshares Inc (Stock Symbol: STXB) is a leading company in the Finance and Insurance sector , specifically operating within the Commercial Banking industry.

The organization employs approximately 377 professionals worldwide .

The company has established itself as an emerging investment opportunity with substantial growth potential.

Understanding Financial Performance

What these metrics mean: Key financial indicators showing Spirit of Texas Bancshares Inc's revenue scale, profitability, market value, and shareholder returns.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Spirit of Texas Bancshares Inc: With $128M in annual revenue and 32.8% net margin, the company demonstrates exceptional profitability.

Annual Revenue: $128 million generating a 32.8% net profit margin .

Market Capitalization: $460 million - Classified as a small-cap investment offering high growth potential.

Return on Equity (ROE): 11.2% - Above-average shareholder return efficiency, indicating areas for operational improvement.

Understanding AI Stock Predictions

What these predictions mean: AI-powered forecasts for Spirit of Texas Bancshares Inc stock using machine learning algorithms trained on historical market data and technical indicators.

How to interpret: Positive percentages indicate expected price increases, negative values suggest potential declines. Spearman correlation coefficient shows the statistical relationship between predictions and actual outcomes.

For Spirit of Texas Bancshares Inc: Unlock premium access to view detailed AI predictions and price targets.

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for Spirit of Texas Bancshares Inc stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Understanding Market Position

What this analysis covers: Spirit of Texas Bancshares Inc's competitive positioning, market dynamics, operational efficiency, and strategic advantages within its industry.

How to evaluate: Strong cash flow generation, healthy margins, and market leadership indicate competitive advantages. Growth rates show expansion potential.

For Spirit of Texas Bancshares Inc: Strong free cash flow generation demonstrates developing operational efficiency.

Spirit of Texas Bancshares Inc strategically competes in the highly dynamic Commercial Banking marketplace, representing an emerging small-cap investment with substantial growth potential and market disruption capabilities .

The company demonstrates robust operational efficiency through strong free cash flow generation of $52 million annually, complemented by impressive 89.6% year-over-year cash flow growth.

Spirit of Texas Bancshares Inc (STXB) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Spirit of Texas Bancshares Inc stock analysis.

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Deep dive into Spirit of Texas Bancshares Inc's financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Spirit of Texas Bancshares Inc stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Spirit of Texas Bancshares Inc: With a P/E ratio of 10.74, the market sees the stock as potentially undervalued.

P/E Ratio 10.74x
P/B Ratio 1.13x
Market Cap $460M
Dividend Yield 1.64%
EPS $2.38
Book Value/Share $22.56
Revenue/Share $7.11
FCF/Share $1.45
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Spirit of Texas Bancshares Inc converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Spirit of Texas Bancshares Inc: An ROE of 11.2% shows good shareholder value creation.

ROE 11.2%
ROA 1.3%
Net Margin 32.8%
EBT Margin 41.1%
Tax Rate 20.2%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess Spirit of Texas Bancshares Inc's ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Spirit of Texas Bancshares Inc:

D/E Ratio 0.20x
Financial Leverage 8.29x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Spirit of Texas Bancshares Inc's ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Spirit of Texas Bancshares Inc: Free cash flow of $52M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $54M
Free Cash Flow $52M
Capital Spending $-2M
OCF Growth YoY 89.6%
FCF Growth YoY 106.5%
FCF/Sales 40.9%
CapEx/Sales 1.6%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Spirit of Texas Bancshares Inc uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Spirit of Texas Bancshares Inc: An asset turnover of 0.04x suggests room for improvement in asset utilization.

Asset Turnover 0.04x
Fixed Assets Turnover 1.6x
Understanding Financial Statement Data

What these metrics mean: Key figures from Spirit of Texas Bancshares Inc's income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Spirit of Texas Bancshares Inc: With annual revenue of $128M, Spirit of Texas Bancshares Inc demonstrates solid business size.

Income Statement ($ Millions)
Total Revenue $128M
Net Income $42M
SG&A Expense $39M
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 22%
Total Liabilities 88%
Short-term Debt 0%
Accounts Receivable 0%
Dividend & Shareholder Information
Dividends Per Share $0.42
Payout Ratio 17.6%
Shares Outstanding 18M

Latest Spirit of Texas Bancshares Inc Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Spirit of Texas Bancshares Inc (STXB) stock price and investment outlook.

Spirit of Texas Bancshares Inc Competitors & Peer Analysis - Finance and Insurance Sector

Comparative analysis of Spirit of Texas Bancshares Inc against industry peers and competitors in the Finance and Insurance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio

Frequently Asked Questions - Spirit of Texas Bancshares Inc Stock Forecast

How accurate are Spirit of Texas Bancshares Inc stock predictions?

Our AI model shows a 8500% Spearman correlation coefficient for STXB predictions, based on advanced machine learning algorithms trained on over 10 years of market data. This measures the strength of the monotonic relationship between predicted and actual price movements.

What factors influence Spirit of Texas Bancshares Inc stock price forecasts?

Our analysis considers Spirit of Texas Bancshares Inc's financial metrics, Finance and Insurance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Spirit of Texas Bancshares Inc a good investment in 2025?

Based on our AI analysis, Spirit of Texas Bancshares Inc shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Spirit of Texas Bancshares Inc forecasts updated?

Spirit of Texas Bancshares Inc stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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