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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 : 5/10

vs
industry
vs
history
Cash to Debt 1.10
IEBS's Cash to Debt is ranked higher than
74% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. IEBS: 1.10 )
IEBS' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 1.1

Equity to Asset 0.11
IEBS's Equity to Asset is ranked higher than
78% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. IEBS: 0.11 )
IEBS' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.2
Current: 0.11

0.07
0.2
F-Score: 2
Z-Score: -0.44
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 : 1/10

vs
industry
vs
history
Operating margin (%) -169.49
IEBS's Operating margin (%) is ranked lower than
54% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. IEBS: -169.49 )
IEBS' s 10-Year Operating margin (%) Range
Min: -167.32   Max: 2.84
Current: -169.49

-167.32
2.84
Net-margin (%) -169.49
IEBS's Net-margin (%) is ranked lower than
54% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. IEBS: -169.49 )
IEBS' s 10-Year Net-margin (%) Range
Min: -213.6   Max: 8.63
Current: -169.49

-213.6
8.63
ROE (%) -51.40
IEBS's ROE (%) is ranked lower than
54% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. IEBS: -51.40 )
IEBS' s 10-Year ROE (%) Range
Min: -46.77   Max: 1.72
Current: -51.4

-46.77
1.72
ROA (%) -6.67
IEBS's ROA (%) is ranked lower than
53% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. IEBS: -6.67 )
IEBS' s 10-Year ROA (%) Range
Min: -5.26   Max: 0.35
Current: -6.67

-5.26
0.35
ROC (Joel Greenblatt) (%) -285.87
IEBS's ROC (Joel Greenblatt) (%) is ranked lower than
53% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. IEBS: -285.87 )
IEBS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -256.35   Max: 7.76
Current: -285.87

-256.35
7.76
Revenue Growth (3Y)(%) -48.90
IEBS's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. IEBS: -48.90 )
IEBS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -48.9   Max: 10.7
Current: -48.9

-48.9
10.7
EBITDA Growth (3Y)(%) -49.80
IEBS's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. IEBS: -49.80 )
IEBS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -49.8   Max: 59.9
Current: -49.8

-49.8
59.9
EPS Growth (3Y)(%) -53.80
IEBS's EPS Growth (3Y)(%) is ranked higher than
52% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. IEBS: -53.80 )
IEBS' s 10-Year EPS Growth (3Y)(%) Range
Min: -53.8   Max: 63.2
Current: -53.8

-53.8
63.2
» IEBS's 10-Y Financials

Financials


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

» Details

Insider Trades

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Ratios

vs
industry
vs
history
P/B 0.76
IEBS's P/B is ranked higher than
90% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. IEBS: 0.76 )
IEBS' s 10-Year P/B Range
Min: 0.01   Max: 3.69
Current: 0.76

0.01
3.69
P/S 2.05
IEBS's P/S is ranked higher than
88% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. IEBS: 2.05 )
IEBS' s 10-Year P/S Range
Min: 0.03   Max: 13.16
Current: 2.05

0.03
13.16
EV-to-EBIT -1.14
IEBS's EV-to-EBIT is ranked lower than
52% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. IEBS: -1.14 )
IEBS' s 10-Year EV-to-EBIT Range
Min: -12.1   Max: 20.3
Current: -1.14

-12.1
20.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.76
IEBS's Price/Tangible Book is ranked higher than
92% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. IEBS: 0.76 )
IEBS' s 10-Year Price/Tangible Book Range
Min: 0.01   Max: 3.69
Current: 0.76

0.01
3.69
Price/Median PS Value 3.15
IEBS's Price/Median PS Value is ranked higher than
62% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. IEBS: 3.15 )
IEBS' s 10-Year Price/Median PS Value Range
Min: 0.06   Max: 18.46
Current: 3.15

0.06
18.46
Earnings Yield (Greenblatt) -87.70
IEBS's Earnings Yield (Greenblatt) is ranked lower than
54% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. IEBS: -87.70 )
IEBS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.9   Max: 81.3
Current: -87.7

4.9
81.3

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Independence Bancshares Inc was incorporated on May 16, 2005. The Company operates as a bank holding company. The bank provides banking services to consumers and small to mid-size businesses, principally in Greenville County, South Carolina. The bank began offering digital banking, payments and transaction services in October 2013 on a limited basis. In addition to the online bill pay, person-to-person payments, ACH services, debit and credit cards, and merchant services which it already provided, the bank now also offers mobile bill pay and person-to-person payments as well as mobile remote deposit capture. The Bank is primarily engaged in the business of accepting demand and time deposits and providing commercial, consumer and mortgage loans to the general public. Deposits in the Bank are insured by the Federal Deposit Insurance Corporation ("FDIC") up to a maximum amount, which is currently set at $250,000 per depositor. Other services which the Bank offers include mobile banking, online banking, commercial cash management, remote deposit capture, safe deposit boxes, bank official checks, traveler's checks, and wire transfer capabilities. Real Estate Mortgage Loans, the principal component of our loan portfolio is loans secured by real estate mortgages. It obtains security interest in real estate whenever possible, in addition to any other available collateral, in order to increase the likelihood of the ultimate repayment of the loan. It also other community bank services including cashier's checks, banking by mail, direct deposit, remote deposit capture, United States Savings Bonds, and travelers' checks. Its primary focus and target market is to fulfill the financial needs of small business owners, the legal community, the medical community, insurance agencies, and clients owning and developing income producing properties. It operates through three full service branch offices.
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