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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.17
IBTX's Cash to Debt is ranked lower than
54% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. IBTX: 1.17 )
Ranked among companies with meaningful Cash to Debt only.
IBTX' s 10-Year Cash to Debt Range
Min: 0.1  Med: 0.66 Max: N/A
Current: 1.17
Equity to Asset 0.13
IBTX's Equity to Asset is ranked higher than
71% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. IBTX: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
IBTX' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.11 Max: 0.13
Current: 0.13
0.07
0.13
Interest Coverage 2.75
IBTX's Interest Coverage is ranked higher than
65% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. IBTX: 2.75 )
Ranked among companies with meaningful Interest Coverage only.
IBTX' s 10-Year Interest Coverage Range
Min: 0.96  Med: 1.30 Max: 2.75
Current: 2.75
0.96
2.75
F-Score: 6
WACC vs ROIC
13.15%
6.38%
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 (%) 33.09
IBTX's Operating margin (%) is ranked higher than
58% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. IBTX: 33.09 )
Ranked among companies with meaningful Operating margin (%) only.
IBTX' s 10-Year Operating margin (%) Range
Min: 25.38  Med: 26.12 Max: 31.86
Current: 33.09
25.38
31.86
Net-margin (%) 21.93
IBTX's Net-margin (%) is ranked higher than
51% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. IBTX: 21.93 )
Ranked among companies with meaningful Net-margin (%) only.
IBTX' s 10-Year Net-margin (%) Range
Min: 21.03  Med: 25.38 Max: 26.12
Current: 21.93
21.03
26.12
ROE (%) 7.20
IBTX's ROE (%) is ranked lower than
57% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. IBTX: 7.20 )
Ranked among companies with meaningful ROE (%) only.
IBTX' s 10-Year ROE (%) Range
Min: 7.48  Med: 13.78 Max: 16.91
Current: 7.2
7.48
16.91
ROA (%) 0.93
IBTX's ROA (%) is ranked higher than
57% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. IBTX: 0.93 )
Ranked among companies with meaningful ROA (%) only.
IBTX' s 10-Year ROA (%) Range
Min: 0.92  Med: 1.09 Max: 1.16
Current: 0.93
0.92
1.16
ROC (Joel Greenblatt) (%) 61.20
IBTX's ROC (Joel Greenblatt) (%) is ranked lower than
56% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. IBTX: 61.20 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
IBTX' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 26.53  Med: 39.75 Max: 54.32
Current: 61.2
26.53
54.32
» IBTX's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

IBTX Guru Trades in Q2 2014

Jim Simons 34,846 sh (+148.90%)
Chuck Royce 172,500 sh (+1.77%)
» More
Q3 2014

IBTX Guru Trades in Q3 2014

Chuck Royce 137,600 sh (-20.23%)
Jim Simons 10,500 sh (-69.87%)
» More
Q4 2014

IBTX Guru Trades in Q4 2014

Jim Simons 8,007 sh (-23.74%)
Chuck Royce 100,683 sh (-26.83%)
» More
Q1 2015

IBTX Guru Trades in Q1 2015

Jim Simons 70,500 sh (+780.48%)
Chuck Royce 65,683 sh (-34.76%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 21.50
IBTX's P/E(ttm) is ranked lower than
79% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. IBTX: 21.50 )
Ranked among companies with meaningful P/E(ttm) only.
IBTX' s 10-Year P/E(ttm) Range
Min: 11.55  Med: 21.85 Max: 40.14
Current: 21.5
11.55
40.14
Forward P/E 14.37
IBTX's Forward P/E is ranked lower than
72% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. IBTX: 14.37 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.30
IBTX's PE(NRI) is ranked lower than
79% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. IBTX: 21.30 )
Ranked among companies with meaningful PE(NRI) only.
IBTX' s 10-Year PE(NRI) Range
Min: 11.36  Med: 21.55 Max: 39.74
Current: 21.3
11.36
39.74
P/B 1.40
IBTX's P/B is ranked lower than
73% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. IBTX: 1.40 )
Ranked among companies with meaningful P/B only.
IBTX' s 10-Year P/B Range
Min: 1.01  Med: 1.75 Max: 2.96
Current: 1.4
1.01
2.96
P/S 4.60
IBTX's P/S is ranked lower than
77% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. IBTX: 4.60 )
Ranked among companies with meaningful P/S only.
IBTX' s 10-Year P/S Range
Min: 3.19  Med: 4.81 Max: 7.97
Current: 4.6
3.19
7.97
PFCF 23.34
IBTX's PFCF is ranked lower than
80% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. IBTX: 23.34 )
Ranked among companies with meaningful PFCF only.
IBTX' s 10-Year PFCF Range
Min: 13.29  Med: 23.55 Max: 37.09
Current: 23.34
13.29
37.09
POCF 18.85
IBTX's POCF is ranked lower than
80% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. IBTX: 18.85 )
Ranked among companies with meaningful POCF only.
IBTX' s 10-Year POCF Range
Min: 9.28  Med: 17.15 Max: 31.79
Current: 18.85
9.28
31.79
EV-to-EBIT 14.00
IBTX's EV-to-EBIT is ranked higher than
50% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. IBTX: 14.00 )
Ranked among companies with meaningful EV-to-EBIT only.
IBTX' s 10-Year EV-to-EBIT Range
Min: 11.6  Med: 22.75 Max: 35.9
Current: 14
11.6
35.9

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.60
IBTX's Dividend Yield is ranked lower than
95% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. IBTX: 0.60 )
Ranked among companies with meaningful Dividend Yield only.
IBTX' s 10-Year Dividend Yield Range
Min: 0.13  Med: 0.49 Max: 0.79
Current: 0.6
0.13
0.79
Dividend Payout 0.12
IBTX's Dividend Payout is ranked higher than
89% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. IBTX: 0.12 )
Ranked among companies with meaningful Dividend Payout only.
IBTX' s 10-Year Dividend Payout Range
Min: 0.1  Med: 0.16 Max: 0.19
Current: 0.12
0.1
0.19
Yield on cost (5-Year) 0.60
IBTX's Yield on cost (5-Year) is ranked lower than
94% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. IBTX: 0.60 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
IBTX' s 10-Year Yield on cost (5-Year) Range
Min: 0.13  Med: 0.49 Max: 0.79
Current: 0.6
0.13
0.79

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.59
IBTX's Price/Tangible Book is ranked lower than
92% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. IBTX: 2.59 )
Ranked among companies with meaningful Price/Tangible Book only.
IBTX' s 10-Year Price/Tangible Book Range
Min: 2.01  Med: 2.72 Max: 3.66
Current: 2.59
2.01
3.66
Price/Median PS Value 0.96
IBTX's Price/Median PS Value is ranked higher than
72% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. IBTX: 0.96 )
Ranked among companies with meaningful Price/Median PS Value only.
IBTX' s 10-Year Price/Median PS Value Range
Min: 0.69  Med: 1.03 Max: 1.62
Current: 0.96
0.69
1.62
Price/Graham Number 1.52
IBTX's Price/Graham Number is ranked lower than
89% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. IBTX: 1.52 )
Ranked among companies with meaningful Price/Graham Number only.
IBTX' s 10-Year Price/Graham Number Range
Min: 1.22  Med: 1.77 Max: 2.73
Current: 1.52
1.22
2.73
Earnings Yield (Greenblatt) (%) 7.13
IBTX's Earnings Yield (Greenblatt) (%) is ranked higher than
54% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. IBTX: 7.13 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
IBTX' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.8  Med: 4.40 Max: 8.6
Current: 7.13
2.8
8.6

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Traded in other countries:I3B.Germany,
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.
» More Articles for IBTX

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