Market Price

22.86 

0.12 0.5%

as of Jun 25 '19

52 Week Range:

19.03 30.00


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

Reliant Bancorp, Inc. operates as a financial holding company for Reliant Bank that provides a range of commercial banking services for businesses and individuals in the Middle Tennessee region and the Nashville-Davidson-Murfreesboro-Franklin Metropolitan Statistical Area. It operates in two segments, Retail Banking and Residential Mortgage Banking. The company offers checking, savings, and money market deposit accounts; certificates of deposit; time deposits; and non-interest-bearing and interest bearing demand deposits. It also provides commercial, industrial, and agricultural loans; 1-4 family residential, 1-4 family HELOC, and multi-family and commercial real estate loans, as well as construction, land development, and farmland loans; consumer loans, such as loans for household, family, and other personal expenditures; loans to states and political subdivisions, and other depository institutions; and mortgage refinancing services. In addition, the company originates traditional first lien residential mortgage loans and first lien home equity lines of credit; and provides safe deposit boxes, debit cards, and official bank checks, as well as direct deposit, online and mobile banking, and automated teller machine services. As of December 31, 2018, it operated through a network of 16 full-service branch offices in Davidson, Hickman, Hamilton, Maury, Robertson, Rutherford, Sumner, and Williamson counties in Tennessee; and mortgage production offices in Williamson and Sumner counties. The company was formerly known as Commerce Union Bancshares, Inc. and changed its name to Reliant Bancorp, Inc. in January 2018. Reliant Bancorp, Inc. was founded in 2006 and is based in Brentwood, Tennessee.

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 '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 12.97
14.04
15.27
17.67
growth rate 8.3% 8.8% 15.7%
Earnings BIT 4.88
8.90
10.82
8.76
growth rate 82.3% 21.6% -19.1%
Avg.PE 26.14
26.14
17.55
growth rate 0.0% -32.9%
ROA 0.75
0.79
0.95
1.00
0.71
0.99
growth rate 5.3% 20.3% 5.3% -29.0% 39.4%
ROE 5.58
6.19
8.40
8.78
5.87
8.08
growth rate 10.9% 35.7% 4.5% -33.1% 37.7%
Leverage 7.45
8.21
9.06
8.53
8.03
8.27
growth rate 10.2% 10.4% -5.9% -5.9% 3.0%
Balance Sheet Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 0.59
3.10
3.79
5.74
growth rate 424.8% 22.3% 51.7%
Acct.Payable 334.37
640.01
763.83
883.52
1,437.90
growth rate 91.4% 19.4% 15.7% 62.8%
Cur.Assets 43.47
83.24
43.31
75.39
64.18
growth rate 91.5% -48.0% 74.1% -14.9%
Total Assets 449.73
876.40
911.98
1,125.03
1,724.34
growth rate 94.9% 4.1% 23.4% 53.3%
Cash 8.58
10.26
24.24
18.03
35.18
growth rate 19.6% 136.3% -25.6% 95.1%
Inventory 1.20
1.15
1.00
growth rate -4.6% -4.5%
Cur.Liabilities 341.35
642.12
769.59
884.55
1,495.04
growth rate 88.1% 19.9% 14.9% 69.0%
Liabilities 406.22
779.65
805.07
984.90
1,515.92
growth rate 91.9% 3.3% 22.3% 53.9%
LT Debt 63.50
135.76
32.29
96.75
15.24
growth rate 113.8% -76.2% 199.7% -84.2%
Equity 43.52
96.75
106.92
140.14
208.41
growth rate 122.3% 10.5% 31.1% 48.7%
Common Shares 3.00
4.00
6.00
8.00
8.00
11.00
growth rate 33.3% 50.0% 33.3% 0.0% 37.5%
Cash Flow Statement Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 0.34
0.93
0.87
1.77
4.34
growth rate 172.4% -5.7% 102.3% 145.9%
Cash Dividends 0.78
1.49
1.49
3.19
3.45
growth rate 90.2% 0.0% 114.4% 8.1%
Cash From OA -20.79
-22.69
47.08
-20.32
42.27
growth rate 0.0% 100.0% -100.0% 100.0%
FCF per Share 4.83
5.45
0.42
1.00
growth rate 12.8% -92.3% 138.1%
Sale Purchase of Stock 1.82
1.82
4.77
24.03
growth rate 0.0% 162.2% 403.6%
FCF 3.00
3.00
-24.00
48.00
-21.00
38.00
growth rate 0.0% -100.0% 100.0% -100.0% 100.0%
Income Statement Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 21.69
39.82
40.48
39.18
62.44
growth rate 83.6% 1.7% -3.2% 59.4%
Op.Income 5.70
9.60
10.62
9.93
15.45
growth rate 68.5% 10.7% -6.5% 55.6%
IBT 4.53
8.25
10.11
8.11
11.88
growth rate 82.3% 22.5% -19.8% 46.6%
Net Income 3.90
5.58
8.94
7.25
14.09
growth rate 43.1% 60.3% -18.9% 94.4%
EPS 0.62
0.96
0.86
1.16
0.88
1.23
growth rate 54.8% -10.4% 34.9% -24.1% 39.8%
Gross Profit 21.69
39.82
40.48
39.18
62.44
growth rate 83.6% 1.7% -3.2% 59.4%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 4.50
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 7.12
growth rate
Acct.Payable 1,349.39
1,334.28
1,395.55
1,437.90
1,511.32
growth rate -1.1% 4.6% 3.0% 5.1%
Cur.Assets 89.19
77.60
60.70
64.18
58.19
growth rate -13.0% -21.8% 5.7% -9.3%
Total Assets 1,611.63
1,659.66
1,684.20
1,724.34
1,761.93
growth rate 3.0% 1.5% 2.4% 2.2%
Cash 51.35
32.70
34.44
35.18
35.21
growth rate -36.3% 5.3% 2.1% 0.1%
Inventory 1.65
2.06
1.00
1.00
1.00
growth rate 24.9% -51.5% 0.0% 0.0%
Cur.Liabilities 1,388.13
1,434.17
1,455.62
1,495.04
1,526.30
growth rate 3.3% 1.5% 2.7% 2.1%
Liabilities 1,410.67
1,457.32
1,480.45
1,515.92
1,546.81
growth rate 3.3% 1.6% 2.4% 2.0%
LT Debt 16.60
16.44
16.27
15.24
15.93
growth rate -1.0% -1.0% -6.3% 4.5%
Equity 200.95
202.34
203.75
208.41
215.12
growth rate 0.7% 0.7% 2.3% 3.2%
Common Shares 11.48
11.48
11.53
11.53
11.50
growth rate 0.0% 0.4% 0.0% -0.3%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 0.48
0.89
2.63
0.34
0.43
growth rate 86.4% 194.3% -87.0% 26.9%
Cash Dividends 0.68
0.92
0.92
0.93
1.04
growth rate 34.2% 0.5% 0.3% 11.8%
Cash From OA 24.80
-4.98
21.25
1.19
7.21
growth rate -100.0% 100.0% -94.4% 507.8%
Sale Purchase of Stock 0.34
growth rate
FCF 24.32
-5.87
18.63
0.84
6.78
growth rate -100.0% 100.0% -95.5% 702.7%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 16.24
15.36
15.92
14.93
15.40
growth rate -5.4% 3.7% -6.3% 3.2%
Op.Income 4.46
4.02
4.05
2.92
2.85
growth rate -9.8% 0.7% -27.8% -2.5%
IBT 4.07
1.32
3.76
2.73
2.65
growth rate -67.7% 185.4% -27.4% -2.8%
Net Income 3.74
2.14
4.08
4.12
3.82
growth rate -42.8% 90.8% 1.0% -7.3%
Gross Profit 16.24
15.36
15.92
14.93
15.40
growth rate -5.4% 3.7% -6.3% 3.2%

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 (68.00)

YOY Growth Grade:

D (37.15)

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 18.12 18.59 13.27
EPS / Growth 1.23

Value Price & Investment Recovery Time

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

Equity Growth Rate: 41.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 40.0% 41.4% 41.4%
Future PE 13.27 16.50 38.04
Future EPS 35.58 39.19 39.19
Value Price
MOS %
116.68
410.4%
159.86
599.3%
368.46
1,511.8%
MOS Price 58.34 79.93 184.23
IRT 5.43 5.34 5.34

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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