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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 0.85
IBTX's Cash-to-Debt is ranked lower than
99.99% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 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: 0.52 Max: 1.02
Current: 0.85
0.25
1.02
Equity-to-Asset 0.12
IBTX's Equity-to-Asset is ranked lower than
99.99% of the 1372 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
68% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 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
Piotroski F-Score: 4
Beneish M-Score: -2.41
WACC vs ROIC
9.51%
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 : 7/10

vs
industry
vs
history
Operating Margin % 39.40
IBTX's Operating Margin % is ranked lower than
99.99% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.69 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 lower than
99.99% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 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 % 8.35
IBTX's ROE % is ranked lower than
99.99% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. IBTX: 8.35 )
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: 8.35
6.6
17.25
ROA % 0.98
IBTX's ROA % is ranked lower than
99.99% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 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 11.80
IBTX's 3-Year Revenue Growth Rate is ranked lower than
99.99% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. IBTX: 11.80 )
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: 3.85 Max: 11.8
Current: 11.8
0.5
11.8
3-Year EBITDA Growth Rate 18.10
IBTX's 3-Year EBITDA Growth Rate is ranked lower than
99.99% of the 1158 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. IBTX: 18.10 )
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: 9.35 Max: 18.1
Current: 18.1
2.1
18.1
3-Year EPS without NRI Growth Rate 17.60
IBTX's 3-Year EPS without NRI Growth Rate is ranked lower than
99.99% of the 1132 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 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 5 Warning Signs with Independent Bank Group Inc $IBTX.
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» 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:SRCE, NAS:BUSE, NYSE:FCF, NAS:BRKL, NAS:LKFN, NAS:CSFL, NAS:BNCL, NAS:STBA, NAS:PPBI, NAS:HTLF, NAS:HAFC, AMEX:TMP, NAS:EFSC, NAS:SASR, NAS:CFNL, NAS:SYBT, NAS:STBZ, NAS:SBSI, NYSE:FBP, NAS:CHCO » 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
PE Ratio 22.31
IBTX's PE Ratio is ranked lower than
99.99% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. IBTX: 22.31 )
Ranked among companies with meaningful PE Ratio only.
IBTX' s PE Ratio Range Over the Past 10 Years
Min: 11.3  Med: 18.88 Max: 40.61
Current: 22.31
11.3
40.61
PE Ratio without NRI 22.31
IBTX's PE Ratio without NRI is ranked lower than
99.99% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. IBTX: 22.31 )
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: 18.88 Max: 40.61
Current: 22.31
11.3
40.61
Price-to-Owner-Earnings 21.98
IBTX's Price-to-Owner-Earnings is ranked lower than
99.99% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. IBTX: 21.98 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
IBTX' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 15.58  Med: 20.97 Max: 22.67
Current: 21.98
15.58
22.67
PB Ratio 1.80
IBTX's PB Ratio is ranked lower than
99.99% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. IBTX: 1.80 )
Ranked among companies with meaningful PB Ratio only.
IBTX' s PB Ratio Range Over the Past 10 Years
Min: 0.79  Med: 1.41 Max: 2.96
Current: 1.8
0.79
2.96
PS Ratio 5.79
IBTX's PS Ratio is ranked lower than
99.99% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. IBTX: 5.79 )
Ranked among companies with meaningful PS Ratio only.
IBTX' s PS Ratio Range Over the Past 10 Years
Min: 2.52  Med: 4.19 Max: 7.78
Current: 5.79
2.52
7.78
Price-to-Free-Cash-Flow 20.86
IBTX's Price-to-Free-Cash-Flow is ranked lower than
99.99% of the 773 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. IBTX: 20.86 )
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: 7.38  Med: 20.06 Max: 37.04
Current: 20.86
7.38
37.04
Price-to-Operating-Cash-Flow 19.25
IBTX's Price-to-Operating-Cash-Flow is ranked lower than
99.99% of the 824 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. IBTX: 19.25 )
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: 6.82  Med: 14.32 Max: 71.13
Current: 19.25
6.82
71.13
EV-to-EBIT -0.55
IBTX's EV-to-EBIT is ranked lower than
99.99% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.64 vs. IBTX: -0.55 )
Ranked among companies with meaningful EV-to-EBIT only.
IBTX' s EV-to-EBIT Range Over the Past 10 Years
Min: -0.55  Med: 14.3 Max: 35.9
Current: -0.55
-0.55
35.9
EV-to-EBITDA -0.51
IBTX's EV-to-EBITDA is ranked lower than
99.99% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.46 vs. IBTX: -0.51 )
Ranked among companies with meaningful EV-to-EBITDA only.
IBTX' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.51  Med: 12.7 Max: 29.8
Current: -0.51
-0.51
29.8
PEG Ratio 1.98
IBTX's PEG Ratio is ranked lower than
99.99% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.55 vs. IBTX: 1.98 )
Ranked among companies with meaningful PEG Ratio only.
IBTX' s PEG Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.98
Current: 1.98
0
1.98

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.56
IBTX's Dividend Yield % is ranked lower than
95% of the 2324 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. IBTX: 0.56 )
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: 0.56
0.13
1.21
Dividend Payout Ratio 0.12
IBTX's Dividend Payout Ratio is ranked higher than
97% of the 1297 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 lower than
99.99% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 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 % 0.63
IBTX's Forward Dividend Yield % is ranked lower than
96% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. IBTX: 0.63 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.57
IBTX's 5-Year Yield-on-Cost % is ranked lower than
96% of the 2647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.35 vs. IBTX: 0.57 )
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  Med: 0 Max: 0.57
Current: 0.57
0
0.57
3-Year Average Share Buyback Ratio -15.20
IBTX's 3-Year Average Share Buyback Ratio is ranked lower than
99.99% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 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: -28.85 Max: -15.2
Current: -15.2
-36.6
-15.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.03
IBTX's Price-to-Tangible-Book is ranked lower than
99.99% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. IBTX: 3.03 )
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: 3.03
1.79
3.13
Price-to-Median-PS-Value 1.38
IBTX's Price-to-Median-PS-Value is ranked lower than
99.99% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. IBTX: 1.38 )
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: 0.76  Med: 1.19 Max: 1.45
Current: 1.38
0.76
1.45
Price-to-Graham-Number 1.73
IBTX's Price-to-Graham-Number is ranked lower than
99.99% of the 1224 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. IBTX: 1.73 )
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: 1.73
1.07
1.97
Earnings Yield (Greenblatt) % -181.01
IBTX's Earnings Yield (Greenblatt) % is ranked lower than
99.99% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. IBTX: -181.01 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
IBTX' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -181.8  Med: 7 Max: 11.9
Current: -181.01
-181.8
11.9

More Statistics

Revenue (TTM) (Mil) $203.4
EPS (TTM) $ 2.88
Beta1.26
Short Percentage of Float3.08%
52-Week Range $25.50 - 66.85
Shares Outstanding (Mil)18.92
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