Market Price

23.79 

-0.08 -0.3%

as of Jan 22 '19

52 Week Range:

19.55 32.27


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

CenterState Bank Corporation operates as the holding company for CenterState Bank, N.A. that provides various consumer and commercial banking services to individuals, businesses, and industries in Florida. The company's deposit products include savings, demand, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and time deposits. It also offers real estate loans to individuals and businesses for the purchase, improvement of, or investment in real estate; construction of single-family residential and commercial units; and development of single-family residential building lots. In addition, the company provides commercial loans to individuals and small-to-medium sized businesses for working capital, equipment purchases, and various other business purposes; and consumer loans comprising loans to individuals for various consumer purposes, as well as business purpose loans. Further, it offers mutual funds, annuities, and other investment products. Additionally, the company sells fixed income securities; and provides hedging, loan brokerage, correspondent bank deposits, safe-keeping, bond accounting, asset/liability consulting, international wires, clearing and corporate checking account, and other correspondent banking related services. As of December 31, 2017, it operated 78 bank office network located in 28 counties of Florida; and 1 loan production office in Florida, and 1 loan production office in Macon, Georgia. The company was formerly known as CenterState Banks, Inc. and changed its name to CenterState Bank Corporation in September 2017. CenterState Bank Corporation was founded in 1989 and is headquartered in Winter Haven, Florida.

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 '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 11.92
12.22
8.90
8.42
8.32
9.09
9.06
9.76
10.55
11.48
15.12
growth rate 2.5% -27.2% -5.4% -1.2% 9.3% -0.3% 7.7% 8.1% 8.8% 31.7%
Earnings BIT 11.70
4.64
-10.90
-9.55
11.33
14.53
17.75
21.26
63.69
66.66
113.98
growth rate -60.3% -100.0% 0.0% 100.0% 28.2% 22.2% 19.8% 199.5% 4.7% 71.0%
Avg.PE 19.08
62.50
-21.30
-45.90
25.13
25.97
25.06
59.75
19.07
32.74
29.25
growth rate 227.6% -100.0% 0.0% 100.0% 3.3% -3.5% 138.4% -68.1% 71.7% -10.7%
ROA 0.68
0.27
-0.40
-0.29
0.36
0.43
0.51
0.42
1.00
0.93
0.91
growth rate -60.3% -100.0% 0.0% 100.0% 19.4% 18.6% -17.7% 138.1% -7.0% -2.2%
ROE 5.87
2.28
-3.26
-2.30
3.07
3.69
4.48
3.57
8.30
8.09
7.64
growth rate -61.2% -100.0% 0.0% 100.0% 20.2% 21.4% -20.3% 132.5% -2.5% -5.6%
ROIC 17.96
12.15
3.55
1.97
5.87
5.67
5.61
4.62
growth rate -32.4% -70.8% -44.5% 198.0% -3.4% -1.1% -17.7%
Leverage 8.21
8.75
7.63
8.17
8.70
8.64
8.84
8.35
8.20
9.19
7.87
growth rate 6.6% -12.8% 7.1% 6.5% -0.7% 2.3% -5.5% -1.8% 12.1% -14.4%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 6.93
6.10
6.34
9.00
10.29
12.11
18.63
growth rate -12.0% 3.9% 42.0% 14.3% 17.8% 53.8%
Acct.Payable 13.22
15.89
19.04
3,092.04
3,215.18
4,152.54
5,560.52
growth rate 20.2% 19.8% 16,140.6% 4.0% 29.2% 33.9%
Cur.Assets 225.03
210.12
268.17
446.97
growth rate -6.6% 27.6% 66.7%
Total Assets 1,333.10
1,751.30
2,063.30
2,284.46
2,363.20
2,415.60
3,776.87
4,022.72
5,078.56
7,123.98
growth rate 31.4% 17.8% 10.7% 3.5% 2.2% 56.4% 6.5% 26.3% 40.3%
Cash 19.70
19.10
23.30
753.06
-14.30
38.10
158.41
152.48
175.65
263.63
growth rate -3.1% 22.0% 3,132.0% -100.0% 100.0% 315.8% -3.7% 15.2% 50.1%
Inventory 28.39
11.34
7.20
4.13
growth rate -60.1% -36.5% -42.6%
Cur.Liabilities 3,271.39
3,487.94
4,476.50
6,163.52
growth rate 6.6% 28.3% 37.7%
Liabilities 1,154.00
1,521.90
1,810.70
2,021.83
2,089.70
2,142.20
3,324.39
3,532.20
4,526.10
6,219.23
growth rate 31.9% 19.0% 11.7% 3.4% 2.5% 55.2% 6.3% 28.1% 37.4%
LT Debt 12.50
2,008.00
2,009.00
2,010.00
2,011.00
17.00
17.00
23.92
24.09
25.96
26.19
growth rate 15,964.0% 0.1% 0.1% 0.1% -99.2% 0.0% 40.7% 0.7% 7.7% 0.9%
Equity 148.28
179.20
229.40
252.60
262.63
273.50
273.40
452.48
490.51
552.46
904.75
growth rate 20.9% 28.0% 10.1% 4.0% 4.1% 0.0% 65.5% 8.4% 12.6% 63.8%
Common Shares 12.00
13.00
18.00
28.00
30.00
30.00
30.00
41.00
46.00
48.00
58.00
growth rate 8.3% 38.5% 55.6% 7.1% 0.0% 0.0% 36.7% 12.2% 4.4% 20.8%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 8.62
7.00
3.80
24.10
9.34
9.43
4.67
1.99
7.15
6.68
10.29
growth rate -18.8% -45.7% 534.2% -61.2% 0.9% -50.5% -57.4% 259.7% -6.5% 54.0%
Cash Dividends 1.82
2.00
2.30
1.10
1.20
1.20
1.20
1.71
3.18
7.68
13.88
growth rate 9.9% 15.0% -52.2% 9.2% 0.2% 0.1% 41.9% 86.1% 141.5% 80.7%
Cash From OA 7.66
8.20
15.90
21.70
-1.86
8.04
14.26
1.38
43.00
36.75
22.76
growth rate 7.1% 93.9% 36.5% -100.0% 100.0% 77.4% -90.3% 3,023.0% -14.6% -38.1%
FCF per Share -0.08
0.10
0.67
-0.09
0.15
-0.04
0.19
0.01
0.71
0.77
0.92
growth rate 100.0% 570.0% -100.0% 100.0% -100.0% 100.0% -94.7% 7,000.0% 8.5% 19.5%
Sale Purchase of Stock 0.10
0.98
0.78
1.77
70.51
growth rate 117.2% -20.3% 125.6% 3,885.6%
FCF -1.00
1.00
12.00
-2.00
-2.00
-1.00
10.00
-1.00
36.00
30.00
12.00
growth rate 100.0% 1,100.0% -100.0% 0.0% 0.0% 100.0% -100.0% 100.0% -16.7% -60.0%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 50.45
51.10
81.70
110.80
184.22
154.21
134.32
156.27
187.99
238.42
294.54
growth rate 1.3% 59.9% 35.6% 66.3% -16.3% -12.9% 16.3% 20.3% 26.8% 23.5%
Op.Income 4.60
-10.90
-10.80
7.91
9.91
12.24
45.00
70.61
102.37
130.77
growth rate -100.0% 0.0% 100.0% 25.2% 23.6% 267.5% 56.9% 45.0% 27.7%
IBT 4.64
-10.90
-10.18
11.33
14.53
17.75
20.09
61.91
64.25
109.28
growth rate -100.0% 0.0% 100.0% 28.3% 22.2% 13.2% 208.2% 3.8% 70.1%
Net Income 3.40
-6.20
-5.90
7.91
9.90
12.20
12.96
39.34
42.34
55.80
growth rate -100.0% 0.0% 100.0% 25.2% 23.2% 6.3% 203.4% 7.6% 31.8%
EPS 0.63
0.26
-0.47
-0.22
0.26
0.33
0.41
0.31
0.85
0.88
0.95
growth rate -58.7% -100.0% 0.0% 100.0% 26.9% 24.2% -24.4% 174.2% 3.5% 8.0%
Gross Profit 156.27
187.99
238.42
294.54
growth rate 20.3% 26.8% 23.5%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 34.90
32.02
43.77
growth rate -8.3% 36.7%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 16.84
18.63
25.90
growth rate 10.7% 39.0%
Acct.Payable 5,425.47
5,560.52
8,112.00
8,221.81
9,474.53
growth rate 2.5% 45.9% 1.4% 15.2%
Cur.Assets 412.95
446.97
576.65
594.32
834.82
growth rate 8.2% 29.0% 3.1% 40.5%
Total Assets 6,822.86
7,123.98
10,348.00
10,536.72
12,274.37
growth rate 4.4% 45.3% 1.8% 16.5%
Cash 283.79
263.63
401.34
389.65
601.10
growth rate -7.1% 52.2% -2.9% 54.3%
Inventory 5.95
4.13
7.00
5.48
5.17
growth rate -30.5% 69.4% -21.7% -5.7%
Cur.Liabilities 5,851.57
6,163.52
8,775.35
8,903.87
10,248.47
growth rate 5.3% 42.4% 1.5% 15.1%
Liabilities 5,913.24
6,219.23
8,830.15
8,996.48
10,361.21
growth rate 5.2% 42.0% 1.9% 15.2%
LT Debt 26.13
26.19
43.15
43.24
52.33
growth rate 0.2% 64.8% 0.2% 21.0%
Equity 909.62
904.75
1,517.85
1,540.25
1,913.16
growth rate -0.5% 67.8% 1.5% 24.2%
Common Shares 0.60
0.60
0.84
0.84
0.96
growth rate 0.2% 39.0% 0.5% 13.7%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 2.63
2.17
4.17
6.50
6.86
growth rate -17.6% 92.5% 55.9% 5.6%
Cash Dividends 3.60
3.61
8.37
8.40
9.56
growth rate 0.2% 132.0% 0.4% 13.8%
Cash From OA 23.56
-43.41
56.47
55.32
41.79
growth rate -100.0% 100.0% -2.0% -24.5%
Sale Purchase of Stock 0.30
1.93
11.16
2.70
growth rate 535.2% 477.7% -75.8%
FCF 20.94
-45.58
52.31
48.82
34.93
growth rate -100.0% 100.0% -6.7% -28.5%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 78.23
78.39
115.31
119.29
126.76
growth rate 0.2% 47.1% 3.5% 6.3%
Op.Income 35.94
33.98
53.41
58.19
64.60
growth rate -5.5% 57.2% 9.0% 11.0%
IBT 33.61
30.60
40.76
40.57
49.67
growth rate -9.0% 33.2% -0.5% 22.4%
Net Income 22.05
1.91
35.64
32.16
37.99
growth rate -91.3% 1,763.8% -9.8% 18.1%
EPS
growth rate
Gross Profit 78.23
78.39
115.31
119.29
126.76
growth rate 0.2% 47.1% 3.5% 6.3%
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:

B (70.19)

YOY Growth Grade:

D (39.52)

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 17.75 17.69 10.90
EPS / Growth 44.3% 1.35 8.0%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 28.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 8.0% 27.0% 27.0%
Future PE 10.90 15.47 27.58
Future EPS 2.90 14.73 14.73
Value Price
MOS %
7.82
-67.1%
56.30
136.7%
100.39
322.0%
MOS Price 3.91 28.15 50.19
IRT 10.88 6.49 6.49

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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