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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.85
IBTX's Cash-to-Debt is ranked lower than
67% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. IBTX: 0.85 )
Ranked among companies with meaningful Cash-to-Debt only.
IBTX' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.25  Med: 0.5 Max: 1.01
Current: 0.85
0.25
1.01
Equity-to-Asset 0.12
IBTX's Equity-to-Asset is ranked higher than
63% of the 1591 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: 0.11 Max: 0.13
Current: 0.12
0.07
0.13
Interest Coverage 3.05
IBTX's Interest Coverage is ranked higher than
67% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. IBTX: 3.05 )
Ranked among companies with meaningful Interest Coverage only.
IBTX' s Interest Coverage Range Over the Past 10 Years
Min: 0.96  Med: 1.99 Max: 3.05
Current: 3.05
0.96
3.05
Beneish M-Score: -2.44
WACC vs ROIC
8.03%
7.66%
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 % 39.40
IBTX's Operating Margin % is ranked higher than
69% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. IBTX: 39.40 )
Ranked among companies with meaningful Operating Margin % only.
IBTX' s Operating Margin % Range Over the Past 10 Years
Min: 25.38  Med: 28.46 Max: 39.4
Current: 39.4
25.38
39.4
Net Margin % 26.33
IBTX's Net Margin % is ranked higher than
62% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. IBTX: 26.33 )
Ranked among companies with meaningful Net Margin % only.
IBTX' s Net Margin % Range Over the Past 10 Years
Min: 21.03  Med: 25.38 Max: 26.33
Current: 26.33
21.03
26.33
ROE % 8.32
IBTX's ROE % is ranked lower than
52% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. IBTX: 8.32 )
Ranked among companies with meaningful ROE % only.
IBTX' s ROE % Range Over the Past 10 Years
Min: 6.6  Med: 10.83 Max: 17.25
Current: 8.32
6.6
17.25
ROA % 0.98
IBTX's ROA % is ranked higher than
56% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. IBTX: 0.98 )
Ranked among companies with meaningful ROA % only.
IBTX' s ROA % Range Over the Past 10 Years
Min: 0.84  Med: 1.01 Max: 1.19
Current: 0.98
0.84
1.19
3-Year Revenue Growth Rate 12.50
IBTX's 3-Year Revenue Growth Rate is ranked higher than
80% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. IBTX: 12.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
IBTX' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0.5  Med: 8.05 Max: 19.1
Current: 12.5
0.5
19.1
3-Year EBITDA Growth Rate 21.90
IBTX's 3-Year EBITDA Growth Rate is ranked higher than
82% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. IBTX: 21.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
IBTX' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 2.1  Med: 14.85 Max: 27
Current: 21.9
2.1
27
3-Year EPS without NRI Growth Rate 17.60
IBTX's 3-Year EPS without NRI Growth Rate is ranked higher than
74% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. IBTX: 17.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
IBTX' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -3.2  Med: -1.45 Max: 17.6
Current: 17.6
-3.2
17.6
GuruFocus has detected 3 Warning Signs with Independent Bank Group Inc $IBTX.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» IBTX's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

IBTX Guru Trades in Q1 2016

David Dreman 73 sh (New)
Jim Simons 31,800 sh (+51.43%)
» More
Q2 2016

IBTX Guru Trades in Q2 2016

Jim Simons 36,300 sh (+14.15%)
David Dreman 73 sh (unchged)
» More
Q3 2016

IBTX Guru Trades in Q3 2016

David Dreman 73 sh (unchged)
Jim Simons 26,500 sh (-27.00%)
» More
Q4 2016

IBTX Guru Trades in Q4 2016

David Dreman 73 sh (unchged)
Jim Simons 11,600 sh (-56.23%)
» 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    NAICS: 522110    SIC: 6022
Compare:NAS:BNCN, NAS:WSBC, NAS:FRME, NAS:FFBC, NAS:NBTB, NAS:ABCB, AMEX:PRK, NAS:SFNC, NAS:INDB, NAS:RNST, NAS:FIBK, NAS:UBSH, NYSE:YDKN, NYSE:CADE, NAS:BANR, NAS:WABC, NAS:WSFS, NAS:BANF, NAS:LTXB, NAS:SFBS » details
Traded in other countries:I3B.Germany,
Headquarter Location:USA
Independent Bank Group Inc is a bank holding company. It provides relationship-driven commercial banking products and services to businesses, professionals and individuals.

Independent Bank Group Inc is a bank holding company. Its primary function is to own all of the stock of Independent Bank. Independent Bank is a locally managed community bank that seeks to provide personal attention and professional assistance to its customer base, which consists principally of small to medium sized businesses, professionals and individuals. Independent Bank's philosophy includes offering direct access to its officers and personnel, providing friendly, informed and courteous service, local and timely decision making, flexible and reasonable operating procedures, and consistently applied credit policies.

Ratios

vs
industry
vs
history
PE Ratio 21.88
IBTX's PE Ratio is ranked lower than
80% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. IBTX: 21.88 )
Ranked among companies with meaningful PE Ratio only.
IBTX' s PE Ratio Range Over the Past 10 Years
Min: 11.3  Med: 18.98 Max: 40.61
Current: 21.88
11.3
40.61
PE Ratio without NRI 21.88
IBTX's PE Ratio without NRI is ranked lower than
80% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. IBTX: 21.88 )
Ranked among companies with meaningful PE Ratio without NRI only.
IBTX' s PE Ratio without NRI Range Over the Past 10 Years
Min: 11.3  Med: 18.98 Max: 40.61
Current: 21.88
11.3
40.61
Price-to-Owner-Earnings 19.62
IBTX's Price-to-Owner-Earnings is ranked lower than
73% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. IBTX: 19.62 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
IBTX' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 15.64  Med: 19.37 Max: 21.58
Current: 19.62
15.64
21.58
PB Ratio 1.77
IBTX's PB Ratio is ranked lower than
80% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. IBTX: 1.77 )
Ranked among companies with meaningful PB Ratio only.
IBTX' s PB Ratio Range Over the Past 10 Years
Min: 0.79  Med: 1.47 Max: 2.96
Current: 1.77
0.79
2.96
PS Ratio 5.65
IBTX's PS Ratio is ranked lower than
83% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. IBTX: 5.65 )
Ranked among companies with meaningful PS Ratio only.
IBTX' s PS Ratio Range Over the Past 10 Years
Min: 2.52  Med: 4.36 Max: 7.78
Current: 5.65
2.52
7.78
Price-to-Free-Cash-Flow 15.50
IBTX's Price-to-Free-Cash-Flow is ranked lower than
65% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. IBTX: 15.50 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
IBTX' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 7.84  Med: 18.94 Max: 37.04
Current: 15.5
7.84
37.04
Price-to-Operating-Cash-Flow 14.29
IBTX's Price-to-Operating-Cash-Flow is ranked lower than
69% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. IBTX: 14.29 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
IBTX' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 7.21  Med: 14.37 Max: 96.67
Current: 14.29
7.21
96.67
EV-to-EBIT 17.09
IBTX's EV-to-EBIT is ranked lower than
64% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. IBTX: 17.09 )
Ranked among companies with meaningful EV-to-EBIT only.
IBTX' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.4  Med: 14.7 Max: 35.9
Current: 17.09
8.4
35.9
EV-to-EBITDA 15.40
IBTX's EV-to-EBITDA is ranked lower than
63% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. IBTX: 15.40 )
Ranked among companies with meaningful EV-to-EBITDA only.
IBTX' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.4  Med: 13 Max: 29.8
Current: 15.4
7.4
29.8
PEG Ratio 1.24
IBTX's PEG Ratio is ranked higher than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. IBTX: 1.24 )
Ranked among companies with meaningful PEG Ratio only.
IBTX' s PEG Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.92
Current: 1.24
0
1.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.58
IBTX's Dividend Yield % is ranked lower than
96% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. IBTX: 0.58 )
Ranked among companies with meaningful Dividend Yield % only.
IBTX' s Dividend Yield % Range Over the Past 10 Years
Min: 0.13  Med: 0.6 Max: 1.21
Current: 0.58
0.13
1.21
Dividend Payout Ratio 0.12
IBTX's Dividend Payout Ratio is ranked higher than
97% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. IBTX: 0.12 )
Ranked among companies with meaningful Dividend Payout Ratio only.
IBTX' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.12 Max: 0.14
Current: 0.12
0.07
0.14
3-Year Dividend Growth Rate 41.50
IBTX's 3-Year Dividend Growth Rate is ranked higher than
92% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. IBTX: 41.50 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
IBTX' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 41.5
Current: 41.5
0
41.5
Forward Dividend Yield % 0.62
IBTX's Forward Dividend Yield % is ranked lower than
96% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. IBTX: 0.62 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.58
IBTX's 5-Year Yield-on-Cost % is ranked lower than
96% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. IBTX: 0.58 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
IBTX' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.13  Med: 0.6 Max: 1.21
Current: 0.58
0.13
1.21
3-Year Average Share Buyback Ratio -15.20
IBTX's 3-Year Average Share Buyback Ratio is ranked lower than
85% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. IBTX: -15.20 )
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: -20.4 Max: -15.2
Current: -15.2
-36.6
-15.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.97
IBTX's Price-to-Tangible-Book is ranked lower than
93% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. IBTX: 2.97 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
IBTX' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.79  Med: 2.68 Max: 3.13
Current: 2.97
1.79
3.13
Price-to-Median-PS-Value 1.30
IBTX's Price-to-Median-PS-Value is ranked lower than
69% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. IBTX: 1.30 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
IBTX' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.73  Med: 1.14 Max: 1.39
Current: 1.3
0.73
1.39
Price-to-Graham-Number 1.70
IBTX's Price-to-Graham-Number is ranked lower than
91% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. IBTX: 1.70 )
Ranked among companies with meaningful Price-to-Graham-Number only.
IBTX' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.07  Med: 1.6 Max: 1.97
Current: 1.7
1.07
1.97
Earnings Yield (Greenblatt) % 5.88
IBTX's Earnings Yield (Greenblatt) % is ranked higher than
51% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. IBTX: 5.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
IBTX' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.8  Med: 6.8 Max: 11.9
Current: 5.88
2.8
11.9

More Statistics

Revenue (TTM) (Mil) $203.4
EPS (TTM) $ 2.88
Beta1.26
Short Percentage of Float6.22%
52-Week Range $31.84 - 66.85
Shares Outstanding (Mil)18.92
» More Articles for IBTX

Headlines

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