Switch to:

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 : 4/10

vs
industry
vs
history
Cash to Debt 0.26
IBCA's Cash to Debt is ranked lower than
67% of the 226 Companies
in the Global Credit Services industry.

( Industry Median: 4.49 vs. IBCA: 0.26 )
Ranked among companies with meaningful Cash to Debt only.
IBCA' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 0.26

Equity to Asset 0.14
IBCA's Equity to Asset is ranked lower than
81% of the 163 Companies
in the Global Credit Services industry.

( Industry Median: 0.36 vs. IBCA: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
IBCA' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.14
Current: 0.14

0.07
0.14
Interest Coverage 0.96
IBCA's Interest Coverage is ranked lower than
90% of the 156 Companies
in the Global Credit Services industry.

( Industry Median: 19.62 vs. IBCA: 0.96 )
Ranked among companies with meaningful Interest Coverage only.
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: 0.34
WACC vs ROIC
7.17%
8.77%
WACC
ROIC
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 (%) 63.09
IBCA's Operating margin (%) is ranked higher than
89% of the 239 Companies
in the Global Credit Services industry.

( Industry Median: 21.20 vs. IBCA: 63.09 )
Ranked among companies with meaningful Operating margin (%) only.
IBCA' s 10-Year Operating margin (%) Range
Min: -201.45   Max: 68.58
Current: 63.09

-201.45
68.58
Net-margin (%) 36.12
IBCA's Net-margin (%) is ranked higher than
79% of the 240 Companies
in the Global Credit Services industry.

( Industry Median: 16.20 vs. IBCA: 36.12 )
Ranked among companies with meaningful Net-margin (%) only.
IBCA' s 10-Year Net-margin (%) Range
Min: -114.67   Max: 247.51
Current: 36.12

-114.67
247.51
ROE (%) 8.66
IBCA's ROE (%) is ranked higher than
51% of the 235 Companies
in the Global Credit Services industry.

( Industry Median: 8.54 vs. IBCA: 8.66 )
Ranked among companies with meaningful ROE (%) only.
IBCA' s 10-Year ROE (%) Range
Min: -26.65   Max: 16.07
Current: 8.66

-26.65
16.07
ROA (%) 1.15
IBCA's ROA (%) is ranked lower than
66% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 2.87 vs. IBCA: 1.15 )
Ranked among companies with meaningful ROA (%) only.
IBCA' s 10-Year ROA (%) Range
Min: -2.38   Max: 1.37
Current: 1.15

-2.38
1.37
ROC (Joel Greenblatt) (%) 900.64
IBCA's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 239 Companies
in the Global Credit Services industry.

( Industry Median: 14.53 vs. IBCA: 900.64 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
IBCA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1964.26   Max: 659.16
Current: 900.64

-1964.26
659.16
Revenue Growth (3Y)(%) -23.40
IBCA's Revenue Growth (3Y)(%) is ranked lower than
82% of the 182 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. IBCA: -23.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
IBCA' s 10-Year Revenue Growth (3Y)(%) 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

Q2 2014

IBCA Guru Trades in Q2 2014

Arnold Schneider 127,656 sh (+200.44%)
Jim Simons 472,898 sh (+19.20%)
» More
Q3 2014

IBCA Guru Trades in Q3 2014

Jim Simons 539,900 sh (+14.17%)
Arnold Schneider 121,731 sh (-4.64%)
» More
Q4 2014

IBCA Guru Trades in Q4 2014

Jim Simons 660,151 sh (+22.27%)
Arnold Schneider 116,306 sh (-4.46%)
» More
Q1 2015

IBCA Guru Trades in Q1 2015

Jim Simons Sold Out
Arnold Schneider Sold Out
» 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 Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.30
IBCA's P/E(ttm) is ranked higher than
57% of the 217 Companies
in the Global Credit Services industry.

( Industry Median: 15.00 vs. IBCA: 13.30 )
Ranked among companies with meaningful P/E(ttm) only.
IBCA' s 10-Year P/E(ttm) Range
Min: 2.8   Max: 27.22
Current: 13.3

2.8
27.22
Forward P/E 10.60
IBCA's Forward P/E is ranked higher than
59% of the 128 Companies
in the Global Credit Services industry.

( Industry Median: 11.53 vs. IBCA: 10.60 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.30
IBCA's PE(NRI) is ranked higher than
57% of the 192 Companies
in the Global Credit Services industry.

( Industry Median: 15.00 vs. IBCA: 13.30 )
Ranked among companies with meaningful PE(NRI) only.
IBCA' s 10-Year PE(NRI) Range
Min: 2.78   Max: 26.61
Current: 13.3

2.78
26.61
P/B 1.13
IBCA's P/B is ranked higher than
56% of the 270 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. IBCA: 1.13 )
Ranked among companies with meaningful P/B only.
IBCA' s 10-Year P/B Range
Min: 0.09   Max: 2.41
Current: 1.13

0.09
2.41
P/S 4.86
IBCA's P/S is ranked lower than
74% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 2.68 vs. IBCA: 4.86 )
Ranked among companies with meaningful P/S only.
IBCA' s 10-Year P/S Range
Min: 0.35   Max: 47.23
Current: 4.86

0.35
47.23
PFCF 10.47
IBCA's PFCF is ranked lower than
55% of the 108 Companies
in the Global Credit Services industry.

( Industry Median: 9.87 vs. IBCA: 10.47 )
Ranked among companies with meaningful PFCF only.
IBCA' s 10-Year PFCF Range
Min: 0.6   Max: 47.75
Current: 10.47

0.6
47.75
POCF 10.17
IBCA's POCF is ranked lower than
54% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 8.76 vs. IBCA: 10.17 )
Ranked among companies with meaningful POCF only.
IBCA' s 10-Year POCF Range
Min: 0.6   Max: 46.73
Current: 10.17

0.6
46.73
EV-to-EBIT 8.37
IBCA's EV-to-EBIT is ranked higher than
87% of the 188 Companies
in the Global Credit Services industry.

( Industry Median: 21.48 vs. IBCA: 8.37 )
Ranked among companies with meaningful EV-to-EBIT only.
IBCA' s 10-Year EV-to-EBIT Range
Min: -143.9   Max: 30.7
Current: 8.37

-143.9
30.7
Days Sales Outstanding 51.38
IBCA's Days Sales Outstanding is ranked lower than
61% of the 169 Companies
in the Global Credit Services industry.

( Industry Median: 26.17 vs. IBCA: 51.38 )
Ranked among companies with meaningful Days Sales Outstanding only.
IBCA' s 10-Year Days Sales Outstanding Range
Min: 63.04   Max: 891.17
Current: 51.38

63.04
891.17

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.90
IBCA's Dividend Yield is ranked lower than
55% of the 217 Companies
in the Global Credit Services industry.

( Industry Median: 2.22 vs. IBCA: 1.90 )
Ranked among companies with meaningful Dividend Yield only.
IBCA' s 10-Year Dividend Yield Range
Min: 0.52   Max: 10.87
Current: 1.9

0.52
10.87
Dividend Payout 0.12
IBCA's Dividend Payout is ranked higher than
83% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 0.27 vs. IBCA: 0.12 )
Ranked among companies with meaningful Dividend Payout only.
IBCA' s 10-Year Dividend Payout Range
Min: 0.19   Max: 1.14
Current: 0.12

0.19
1.14
Yield on cost (5-Year) 1.90
IBCA's Yield on cost (5-Year) is ranked lower than
68% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 3.20 vs. IBCA: 1.90 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
IBCA' s 10-Year Yield on cost (5-Year) Range
Min: 0.52   Max: 10.87
Current: 1.9

0.52
10.87
Share Buyback Rate -25.60
IBCA's Share Buyback Rate is ranked lower than
89% of the 120 Companies
in the Global Credit Services industry.

( Industry Median: -3.50 vs. IBCA: -25.60 )
Ranked among companies with meaningful Share Buyback Rate only.
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 1.10
IBCA's Price/Tangible Book is ranked higher than
65% of the 275 Companies
in the Global Credit Services industry.

( Industry Median: 2.10 vs. IBCA: 1.10 )
Ranked among companies with meaningful Price/Tangible Book only.
IBCA' s 10-Year Price/Tangible Book Range
Min: 0.08   Max: 3.77
Current: 1.1

0.08
3.77
Price/DCF (Projected) 0.50
IBCA's Price/DCF (Projected) is ranked higher than
75% of the 110 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. IBCA: 0.50 )
Ranked among companies with meaningful Price/DCF (Projected) only.
IBCA' s 10-Year Price/DCF (Projected) Range
Min: 0.05   Max: 1.44
Current: 0.5

0.05
1.44
Price/Median PS Value 1.60
IBCA's Price/Median PS Value is ranked lower than
73% of the 274 Companies
in the Global Credit Services industry.

( Industry Median: 1.10 vs. IBCA: 1.60 )
Ranked among companies with meaningful Price/Median PS Value only.
IBCA' s 10-Year Price/Median PS Value Range
Min: 0.13   Max: 15.21
Current: 1.6

0.13
15.21
Price/Peter Lynch Fair Value 0.20
IBCA's Price/Peter Lynch Fair Value is ranked higher than
98% of the 44 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. IBCA: 0.20 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
IBCA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.24   Max: 3.15
Current: 0.2

0.24
3.15
Price/Graham Number 0.80
IBCA's Price/Graham Number is ranked higher than
74% of the 189 Companies
in the Global Credit Services industry.

( Industry Median: 1.10 vs. IBCA: 0.80 )
Ranked among companies with meaningful Price/Graham Number only.
IBCA' s 10-Year Price/Graham Number Range
Min: 0.11   Max: 2.27
Current: 0.8

0.11
2.27
Earnings Yield (Greenblatt) 11.90
IBCA's Earnings Yield (Greenblatt) is ranked higher than
89% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. IBCA: 11.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
IBCA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.3   Max: 76
Current: 11.9

3.3
76
Forward Rate of Return (Yacktman) 46.89
IBCA's Forward Rate of Return (Yacktman) is ranked higher than
96% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 2.27 vs. IBCA: 46.89 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
IBCA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 8.6   Max: 115.6
Current: 46.89

8.6
115.6

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, RDCRL, AXP » details
Intervest Bancshares Corp 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 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 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 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 and is subject to supervision, regulation and examination by the Board of Governors of the Federal Reserve System.
» More Articles for IBCA

Headlines

Articles On GuruFocus.com
Intervest Bancshares Corp. Reports Operating Results (10-K) Mar 10 2011 
Weekly CFO Buys Highlight: COIN, INTC, SURG, IBCA, AUMN Oct 24 2010 
Intervest Bancshares Corp. Reports Operating Results (10-Q) Apr 30 2009 
Financial Insiders Continue Buying Spree: Financial Institutions Inc., Hampton Roads Bankshares, GLG Feb 28 2009 

More From Other Websites
Nasdaq stocks posting largest volume increases Apr 29 2015
INTERVEST BANCSHARES CORP Files SEC form 8-K, Completion of Acquisition or Disposition of Assets,... Feb 10 2015
INTERVEST BANCSHARES CORP Files SEC form 8-K, Regulation FD Disclosure Feb 06 2015
INTERVEST BANCSHARES CORP Files SEC form 8-K, Change in Directors or Principal Officers, Submission... Jan 27 2015
INTERVEST BANCSHARES CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 20 2015
Intervest Bancshares Corporation Reports 2014 Fourth Quarter Earnings of $3.9 Million or $0.18 per... Jan 20 2015
INTERVEST BANCSHARES CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jan 06 2015
Intervest Bancshares Corporation Announces Quarterly Dividend Jan 06 2015
Bank of the Ozarks, Inc. and Intervest Bancshares Corporation Announce Expected Closing Date for... Jan 01 2015
INTERVEST BANCSHARES CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 31 2014
Bank of the Ozarks, Inc. and Intervest Bancshares Corporation Announce Expected Closing Date for... Dec 31 2014
INTERVEST BANCSHARES CORP Financials Nov 14 2014
INTERVEST BANCSHARES CORP Files SEC form 10-Q, Quarterly Report Nov 04 2014
INTERVEST BANCSHARES CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 16 2014
Intervest Bancshares Corporation Reports 2014 Third Quarter Earnings Increase by 62% to $4.2 Million... Oct 16 2014
INTERVEST BANCSHARES CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 03 2014
Intervest Bancshares Corporation Announces Repurchase of Outstanding TARP Warrant Sep 03 2014
INVESTOR ALERT - Intervest Bancshares Corp.: The Law Offices of Vincent Wong Investigates the Sale... Aug 18 2014
Lifshitz & Miller Law Firm Announces Investigation of Endocyte, Inc., EVOQ Properties Inc., Fortegra... Aug 18 2014
INVESTOR ALERT: Levi & Korsinsky, LLP Announces Investigation of Intervest Bancshares Corp. and Its... Aug 14 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK