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Also traded in: Germany

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 : 6/10

vs
industry
vs
history
Cash to Debt 0.86
IBTX's Cash to Debt is ranked lower than
62% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. IBTX: 0.86 )
Ranked among companies with meaningful Cash to Debt only.
IBTX' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.95 Max: N/A
Current: 0.86
Equity to Asset 0.12
IBTX's Equity to Asset is ranked higher than
63% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. IBTX: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
IBTX' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.12 Max: 0.13
Current: 0.12
0.07
0.13
Interest Coverage 2.96
IBTX's Interest Coverage is ranked higher than
67% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. IBTX: 2.96 )
Ranked among companies with meaningful Interest Coverage only.
IBTX' s Interest Coverage Range Over the Past 10 Years
Min: 0.96  Med: 1.65 Max: 2.9
Current: 2.96
0.96
2.9
F-Score: 3
M-Score: -2.42
WACC vs ROIC
9.24%
7.49%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 34.62
IBTX's Operating margin (%) is ranked higher than
59% of the 1681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. IBTX: 34.62 )
Ranked among companies with meaningful Operating margin (%) only.
IBTX' s Operating margin (%) Range Over the Past 10 Years
Min: 25.38  Med: 27.29 Max: 33.95
Current: 34.62
25.38
33.95
Net-margin (%) 23.17
IBTX's Net-margin (%) is ranked higher than
53% of the 1681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.34 vs. IBTX: 23.17 )
Ranked among companies with meaningful Net-margin (%) only.
IBTX' s Net-margin (%) Range Over the Past 10 Years
Min: 21.03  Med: 24.21 Max: 26.12
Current: 23.17
21.03
26.12
ROE (%) 7.04
IBTX's ROE (%) is ranked lower than
59% of the 1676 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. IBTX: 7.04 )
Ranked among companies with meaningful ROE (%) only.
IBTX' s ROE (%) Range Over the Past 10 Years
Min: 6.6  Med: 13.78 Max: 17.25
Current: 7.04
6.6
17.25
ROA (%) 0.89
IBTX's ROA (%) is ranked higher than
51% of the 1686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. IBTX: 0.89 )
Ranked among companies with meaningful ROA (%) only.
IBTX' s ROA (%) Range Over the Past 10 Years
Min: 0.84  Med: 1.09 Max: 1.19
Current: 0.89
0.84
1.19
Revenue Growth (3Y)(%) 4.10
IBTX's Revenue Growth (3Y)(%) is ranked higher than
59% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. IBTX: 4.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
IBTX' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0.5  Med: 3.60 Max: 4.1
Current: 4.1
0.5
4.1
EBITDA Growth (3Y)(%) 10.90
IBTX's EBITDA Growth (3Y)(%) is ranked higher than
66% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. IBTX: 10.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
IBTX' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 2.1  Med: 7.80 Max: 10.9
Current: 10.9
2.1
10.9
EPS Growth (3Y)(%) -0.90
IBTX's EPS Growth (3Y)(%) is ranked lower than
72% of the 1258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. IBTX: -0.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
IBTX' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.6  Med: -3.40 Max: -0.9
Current: -0.9
-3.6
-0.9
» IBTX's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2015

IBTX Guru Trades in Q2 2015

Chuck Royce 54,183 sh (-17.51%)
Jim Simons 52,395 sh (-25.68%)
» More
Q3 2015

IBTX Guru Trades in Q3 2015

Chuck Royce Sold Out
Jim Simons 18,500 sh (-64.69%)
» More
Q4 2015

IBTX Guru Trades in Q4 2015

Jim Simons 21,000 sh (+13.51%)
» More
Q1 2016

IBTX Guru Trades in Q1 2016

David Dreman 73 sh (New)
Jim Simons 31,800 sh (+51.43%)
» More
» Details

Insider Trades

Latest Guru Trades with IBTX

(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: Banks » Banks - Regional - US
Compare:NAS:BRKL, NAS:LKFN, NAS:STBZ, NAS:SBSI, OTCPK:FMBL, NYSE:FCF, NAS:HAFC, NAS:ORIT, NYSE:CPF, NAS:BUSE, NAS:NFBK, NAS:CFNL, NAS:SRCE, NAS:CSFL, NAS:HTLF, NAS:CHCO, NAS:WIBC, NAS:SASR, NYSE:CUBI, NYSE:BANC » details
Traded in other countries:I3B.Germany,
Independent Bank Group Inc is a bank holding company. The Company, through its subsidiary provides commercial banking products and services to businesses, professionals and individuals.

Independent Bank Group Inc is a bank holding company based in Texas, USA. The Company, through our wholly owned subsidiary, Independent Bank, provides a range of banking products and services tailored to meet the needs of businesses, professionals and individuals. It operates 30 banking offices in 26 communities in two market regions located in the Dallas-Fort Worth metropolitan area and in the greater Austin area.

Ratios

vs
industry
vs
history
P/E(ttm) 16.85
IBTX's P/E(ttm) is ranked lower than
74% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. IBTX: 16.85 )
Ranked among companies with meaningful P/E(ttm) only.
IBTX' s P/E(ttm) Range Over the Past 10 Years
Min: 11.3  Med: 19.09 Max: 41.12
Current: 16.85
11.3
41.12
PE(NRI) 16.85
IBTX's PE(NRI) is ranked lower than
74% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. IBTX: 16.85 )
Ranked among companies with meaningful PE(NRI) only.
IBTX' s PE(NRI) Range Over the Past 10 Years
Min: 11.3  Med: 19.06 Max: 41.21
Current: 16.85
11.3
41.21
P/B 1.17
IBTX's P/B is ranked lower than
65% of the 1706 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. IBTX: 1.17 )
Ranked among companies with meaningful P/B only.
IBTX' s P/B Range Over the Past 10 Years
Min: 0.79  Med: 1.44 Max: 2.96
Current: 1.17
0.79
2.96
P/S 3.73
IBTX's P/S is ranked lower than
71% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. IBTX: 3.73 )
Ranked among companies with meaningful P/S only.
IBTX' s P/S Range Over the Past 10 Years
Min: 2.52  Med: 4.17 Max: 7.78
Current: 3.73
2.52
7.78
PFCF 12.73
IBTX's PFCF is ranked lower than
65% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.10 vs. IBTX: 12.73 )
Ranked among companies with meaningful PFCF only.
IBTX' s PFCF Range Over the Past 10 Years
Min: 8.52  Med: 20.04 Max: 37.04
Current: 12.73
8.52
37.04
POCF 10.32
IBTX's POCF is ranked lower than
62% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.84 vs. IBTX: 10.32 )
Ranked among companies with meaningful POCF only.
IBTX' s POCF Range Over the Past 10 Years
Min: 6.91  Med: 13.66 Max: 31.39
Current: 10.32
6.91
31.39
EV-to-EBIT 12.67
IBTX's EV-to-EBIT is ranked higher than
50% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. IBTX: 12.67 )
Ranked among companies with meaningful EV-to-EBIT only.
IBTX' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.4  Med: 14.80 Max: 35.9
Current: 12.67
8.4
35.9
EV-to-EBITDA 11.26
IBTX's EV-to-EBITDA is ranked higher than
52% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.77 vs. IBTX: 11.26 )
Ranked among companies with meaningful EV-to-EBITDA only.
IBTX' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.4  Med: 12.90 Max: 29.8
Current: 11.26
7.4
29.8
PEG 2.16
IBTX's PEG is ranked lower than
73% of the 751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. IBTX: 2.16 )
Ranked among companies with meaningful PEG only.
IBTX' s PEG Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: N/A
Current: 2.16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.82
IBTX's Dividend Yield is ranked lower than
93% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.04 vs. IBTX: 0.82 )
Ranked among companies with meaningful Dividend Yield only.
IBTX' s Dividend Yield Range Over the Past 10 Years
Min: 0.13  Med: 0.60 Max: 1.21
Current: 0.82
0.13
1.21
Dividend Payout 0.14
IBTX's Dividend Payout is ranked higher than
91% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. IBTX: 0.14 )
Ranked among companies with meaningful Dividend Payout only.
IBTX' s Dividend Payout Range Over the Past 10 Years
Min: 0.1  Med: 0.14 Max: 0.19
Current: 0.14
0.1
0.19
Forward Dividend Yield 0.76
IBTX's Forward Dividend Yield is ranked lower than
94% of the 2105 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.22 vs. IBTX: 0.76 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.82
IBTX's Yield on cost (5-Year) is ranked lower than
93% of the 2502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. IBTX: 0.82 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
IBTX' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.13  Med: 0.60 Max: 1.21
Current: 0.82
0.13
1.21
3-Year Average Share Buyback Ratio -34.00
IBTX's 3-Year Average Share Buyback Ratio is ranked lower than
93% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. IBTX: -34.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
IBTX' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -36.6  Med: -34.00 Max: -23.7
Current: -34
-36.6
-23.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.12
IBTX's Price/Tangible Book is ranked lower than
87% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. IBTX: 2.12 )
Ranked among companies with meaningful Price/Tangible Book only.
IBTX' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.48  Med: 2.38 Max: 3.66
Current: 2.12
1.48
3.66
Price/Median PS Value 0.90
IBTX's Price/Median PS Value is ranked higher than
59% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. IBTX: 0.90 )
Ranked among companies with meaningful Price/Median PS Value only.
IBTX' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.63  Med: 1.01 Max: 1.85
Current: 0.9
0.63
1.85
Price/Graham Number 1.26
IBTX's Price/Graham Number is ranked lower than
84% of the 1506 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. IBTX: 1.26 )
Ranked among companies with meaningful Price/Graham Number only.
IBTX' s Price/Graham Number Range Over the Past 10 Years
Min: 0.88  Med: 1.44 Max: 2.59
Current: 1.26
0.88
2.59
Earnings Yield (Greenblatt) (%) 7.81
IBTX's Earnings Yield (Greenblatt) (%) is ranked higher than
55% of the 1699 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. IBTX: 7.81 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
IBTX' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.8  Med: 6.70 Max: 11.9
Current: 7.81
2.8
11.9

More Statistics

Revenue (TTM) (Mil) $180.3
EPS (TTM) $ 2.33
Beta1.35
Short Percentage of Float3.66%
52-Week Range $25.50 - 46.66
Shares Outstanding (Mil)18.46
» More Articles for IBTX

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