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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.68
IBCA's Cash to Debt is ranked higher than
80% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 0.17 vs. IBCA: 0.68 )
IBCA' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 0.68

Equity to Asset 0.13
IBCA's Equity to Asset is ranked higher than
53% of the 138 Companies
in the Global Credit Services industry.

( Industry Median: 0.22 vs. IBCA: 0.13 )
IBCA' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.13
Current: 0.13

0.07
0.13
Interest Coverage 0.96
IBCA's Interest Coverage is ranked higher than
52% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 3.43 vs. IBCA: 0.96 )
IBCA' s 10-Year Interest Coverage Range
Min: 0.06   Max: 0.96
Current: 0.96

0.06
0.96
F-Score: 5
Z-Score: 0.22
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 63.08
IBCA's Operating margin (%) is ranked higher than
96% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 25.65 vs. IBCA: 63.08 )
IBCA' s 10-Year Operating margin (%) Range
Min: -201.45   Max: 68.58
Current: 63.08

-201.45
68.58
Net-margin (%) 34.97
IBCA's Net-margin (%) is ranked higher than
88% of the 139 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. IBCA: 34.97 )
IBCA' s 10-Year Net-margin (%) Range
Min: -114.67   Max: 247.51
Current: 34.97

-114.67
247.51
ROE (%) 7.36
IBCA's ROE (%) is ranked higher than
60% of the 140 Companies
in the Global Credit Services industry.

( Industry Median: 13.17 vs. IBCA: 7.36 )
IBCA' s 10-Year ROE (%) Range
Min: -28.67   Max: 13.84
Current: 7.36

-28.67
13.84
ROA (%) 0.92
IBCA's ROA (%) is ranked higher than
55% of the 141 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. IBCA: 0.92 )
IBCA' s 10-Year ROA (%) Range
Min: -2.57   Max: 1.2
Current: 0.92

-2.57
1.2
ROC (Joel Greenblatt) (%) 644.70
IBCA's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 31.17 vs. IBCA: 644.70 )
IBCA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -2030.7   Max: 644.7
Current: 644.7

-2030.7
644.7
Revenue Growth (%) -23.40
IBCA's Revenue Growth (%) is ranked lower than
56% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 7.90 vs. IBCA: -23.40 )
IBCA' s 10-Year Revenue Growth (%) Range
Min: -35.4   Max: 65.7
Current: -23.4

-35.4
65.7
» IBCA's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

IBCA Guru Trades in Q3 2013

Jim Simons 370,200 sh (+54.57%)
Arnold Schneider 27,689 sh (-15.55%)
» More
Q4 2013

IBCA Guru Trades in Q4 2013

Jim Simons 391,951 sh (+5.88%)
Arnold Schneider 27,689 sh (unchged)
» More
Q1 2014

IBCA Guru Trades in Q1 2014

Arnold Schneider 42,489 sh (+53.45%)
Jim Simons 396,712 sh (+1.21%)
» More
Q2 2014

IBCA Guru Trades in Q2 2014

Arnold Schneider 127,656 sh (+200.44%)
Jim Simons 472,898 sh (+19.2%)
» More
» Details

Insider Trades

Latest Guru Trades with IBCA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.80
IBCA's P/E(ttm) is ranked higher than
69% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 14.10 vs. IBCA: 12.80 )
IBCA' s 10-Year P/E(ttm) Range
Min: 2.8   Max: 27.22
Current: 12.8

2.8
27.22
P/B 1.00
IBCA's P/B is ranked higher than
83% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.60 vs. IBCA: 1.00 )
IBCA' s 10-Year P/B Range
Min: 0.09   Max: 2.41
Current: 1

0.09
2.41
P/S 4.50
IBCA's P/S is ranked lower than
71% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.59 vs. IBCA: 4.50 )
IBCA' s 10-Year P/S Range
Min: 0.35   Max: 47.23
Current: 4.5

0.35
47.23
PFCF 9.20
IBCA's PFCF is ranked higher than
76% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 37.08 vs. IBCA: 9.20 )
IBCA' s 10-Year PFCF Range
Min: 0.6   Max: 46.73
Current: 9.2

0.6
46.73
EV-to-EBIT 7.94
IBCA's EV-to-EBIT is ranked higher than
94% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 17.66 vs. IBCA: 7.94 )
IBCA' s 10-Year EV-to-EBIT Range
Min: 1.3   Max: 30.7
Current: 7.94

1.3
30.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.00
IBCA's Dividend Yield is ranked lower than
80% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 2.24 vs. IBCA: 1.00 )
IBCA' s 10-Year Dividend Yield Range
Min: 0.52   Max: 5.43
Current: 1

0.52
5.43
Dividend Payout 0.07
IBCA's Dividend Payout is ranked higher than
98% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 0.76 vs. IBCA: 0.07 )
IBCA' s 10-Year Dividend Payout Range
Min: 0.19   Max: 1.14
Current: 0.07

0.19
1.14
Yield on cost (5-Year) 1.00
IBCA's Yield on cost (5-Year) is ranked lower than
85% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 3.34 vs. IBCA: 1.00 )
IBCA' s 10-Year Yield on cost (5-Year) Range
Min: 0.52   Max: 5.43
Current: 1

0.52
5.43
Share Buyback Rate -25.60
IBCA's Share Buyback Rate is ranked lower than
55% of the 108 Companies
in the Global Credit Services industry.

( Industry Median: -1.50 vs. IBCA: -25.60 )
IBCA' s 10-Year Share Buyback Rate Range
Min: 4.3   Max: -52
Current: -25.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
IBCA's Price/Tangible Book is ranked higher than
86% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.90 vs. IBCA: 1.00 )
IBCA' s 10-Year Price/Tangible Book Range
Min: 0.08   Max: 3.77
Current: 1

0.08
3.77
Price/DCF (Projected) 0.50
IBCA's Price/DCF (Projected) is ranked higher than
86% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. IBCA: 0.50 )
IBCA' s 10-Year Price/DCF (Projected) Range
Min: 0.05   Max: 1.42
Current: 0.5

0.05
1.42
Price/Median PS Value 1.50
IBCA's Price/Median PS Value is ranked higher than
52% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. IBCA: 1.50 )
IBCA' s 10-Year Price/Median PS Value Range
Min: 0.13   Max: 14.82
Current: 1.5

0.13
14.82
Price/Graham Number 0.80
IBCA's Price/Graham Number is ranked higher than
83% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.20 vs. IBCA: 0.80 )
IBCA' s 10-Year Price/Graham Number Range
Min: 0.11   Max: 2.27
Current: 0.8

0.11
2.27
Earnings Yield (Greenblatt) 12.70
IBCA's Earnings Yield (Greenblatt) is ranked higher than
93% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: 6.20 vs. IBCA: 12.70 )
IBCA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.3   Max: 76
Current: 12.7

3.3
76
Forward Rate of Return (Yacktman) 16.82
IBCA's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 120 Companies
in the Global Credit Services industry.

( Industry Median: 12.43 vs. IBCA: 16.82 )
IBCA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 13.7   Max: 113.9
Current: 16.82

13.7
113.9

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, RDCRL, AXP » details
Intervest Bancshares Corporation (IBC), a Delaware corporation was incorporated in 1993. IBC is the parent company of Intervest National Bank (INB) and owns 100% of its capital stock. The Company's business is banking and real estate lending conducted through INB's operations. INB is a nationally chartered commercial bank. INB conducts a personalized commercial and consumer banking business that attracts deposits from the general public. It provides internet banking services through its web site www.intervestnatbank.com, which also attracts deposit customers from outside its primary market areas. INB uses the deposits, together with funds generated from its operations, principal repayments of loans and securities and other sources, to originate mortgage loans secured by commercial and multifamily real estate and to purchase investment securities. INB's revenues are derived mainly from interest and fees received from originating loans, and from interest and dividends earned on security and other short-term investments. The main sources of funds for INB's lending activities are deposits, repayment of loans, maturities and calls of securities and cash flow generated from operations. INB's principal expenses consist of interest paid on deposits and borrowings and operating, general and administrative expenses. INB's deposit flows and the rates it pays on deposits are influenced by interest rates on competing investments available to depositors and general market rates of interest. The Company competes with other commercial banks, savings and loan associations, credit unions, finance companies, mutual funds, insurance companies, brokerage and investment banking companies, and other financial intermediaries. The Company is a holding company under the Bank Holding Company Act of 1956 (BHCA) and is subject to supervision, regulation and examination by the Board of Governors of the Federal Reserve System (FRB).
» More Articles for IBCA

Headlines

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