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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 : 4/10

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industry
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Interest Coverage 1.55
IBCA's Interest Coverage is ranked lower than
99.99% of the 323 Companies
in the Global Credit Services industry.

( Industry Median: 6.47 vs. IBCA: 1.55 )
Ranked among companies with meaningful Interest Coverage only.
IBCA' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.55
Current: 1.55
0
1.55
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 : 2/10

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» IBCA's 10-Y Financials

Financials (Next Earnings Date: 0)


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

» 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

Arnold Schneider Sold Out
Jim Simons 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%)

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Business Description

Industry: Credit Services » Credit Services
Compare:NYSE:RM, OTCPK:IEGH, NAS:CLDC, NAS:ASFI, OTCPK:INPCF, NYSE:ENVA, NAS:MFIN, OTCPK:FFMH, NAS:CPSS, NAS:SNFCA, NAS:NICK, OTCPK:HTZZF, NYSE:FMD, OTCPK:CCGN, NAS:ATLC, NAS:LOAN, NAS:MGI, NAS:WRLD, NAS:LMFA, OTCPK:MFTGF » 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.

Ratios

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Dividend & Buy Back

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Dividend Yield 1.90
IBCA's Dividend Yield is ranked lower than
66% of the 258 Companies
in the Global Credit Services industry.

( Industry Median: 2.65 vs. IBCA: 1.90 )
Ranked among companies with meaningful Dividend Yield only.
IBCA' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.9
Current: 1.9
0
1.9
Dividend Payout 0.12
IBCA's Dividend Payout is ranked higher than
88% of the 146 Companies
in the Global Credit Services industry.

( Industry Median: 0.35 vs. IBCA: 0.12 )
Ranked among companies with meaningful Dividend Payout only.
IBCA' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.12
Current: 0.12
0
0.12
Yield on cost (5-Year) 1.90
IBCA's Yield on cost (5-Year) is ranked lower than
71% of the 301 Companies
in the Global Credit Services industry.

( Industry Median: 3.32 vs. IBCA: 1.90 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
IBCA' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.9
Current: 1.9
0
1.9

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $48.94
EPS (TTM) $ 0.80
Short Percentage of Float0.30%
52-Week Range $7.16 - 10.82
Shares Outstanding (Mil)22.02

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