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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 No Debt
IEBS's Cash-to-Debt is ranked higher than
93% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. IEBS: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
IEBS' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.94 Max: No Debt
Current: No Debt
Equity-to-Asset 0.11
IEBS's Equity-to-Asset is ranked higher than
57% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. IEBS: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
IEBS' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.13 Max: 0.24
Current: 0.11
0.08
0.24
WACC vs ROIC
-0.25%
-65.88%
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 : 1/10

vs
industry
vs
history
Operating Margin % -63.42
IEBS's Operating Margin % is ranked lower than
98% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. IEBS: -63.42 )
Ranked among companies with meaningful Operating Margin % only.
IEBS' s Operating Margin % Range Over the Past 10 Years
Min: -167.32  Med: -80.97 Max: 2.84
Current: -63.42
-167.32
2.84
Net Margin % -63.42
IEBS's Net Margin % is ranked lower than
98% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. IEBS: -63.42 )
Ranked among companies with meaningful Net Margin % only.
IEBS' s Net Margin % Range Over the Past 10 Years
Min: -213.6  Med: -71.82 Max: 8.63
Current: -63.42
-213.6
8.63
ROE % -22.27
IEBS's ROE % is ranked lower than
98% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. IEBS: -22.27 )
Ranked among companies with meaningful ROE % only.
IEBS' s ROE % Range Over the Past 10 Years
Min: -54.81  Med: -22.47 Max: 1.72
Current: -22.27
-54.81
1.72
ROA % -2.77
IEBS's ROA % is ranked lower than
98% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. IEBS: -2.77 )
Ranked among companies with meaningful ROA % only.
IEBS' s ROA % Range Over the Past 10 Years
Min: -6.34  Med: -2.27 Max: 0.35
Current: -2.77
-6.34
0.35
3-Year Revenue Growth Rate 2.10
IEBS's 3-Year Revenue Growth Rate is ranked lower than
61% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. IEBS: 2.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
IEBS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -52.3  Med: -3.1 Max: 10.7
Current: 2.1
-52.3
10.7
3-Year EBITDA Growth Rate -27.10
IEBS's 3-Year EBITDA Growth Rate is ranked lower than
95% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. IEBS: -27.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
IEBS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -49.2  Med: -27.1 Max: 60.1
Current: -27.1
-49.2
60.1
3-Year EPS without NRI Growth Rate -24.30
IEBS's 3-Year EPS without NRI Growth Rate is ranked lower than
92% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. IEBS: -24.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
IEBS' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -53.8  Med: -24.3 Max: 63.2
Current: -24.3
-53.8
63.2
GuruFocus has detected 1 Warning Sign with Independence Bancshares Inc $IEBS.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» IEBS's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
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Headquarter Location:USA
Independence Bancshares Inc is engaged in the business of banking & providing services related to banking including accepting demand deposits & savings deposits, and providing commercial, consumer & mortgage loans in Greenville County, South Carolina.

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.

Ratios

vs
industry
vs
history
PB Ratio 0.21
IEBS's PB Ratio is ranked higher than
95% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. IEBS: 0.21 )
Ranked among companies with meaningful PB Ratio only.
IEBS' s PB Ratio Range Over the Past 10 Years
Min: 0.01  Med: 0.35 Max: 3.66
Current: 0.21
0.01
3.66
PS Ratio 0.50
IEBS's PS Ratio is ranked higher than
95% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. IEBS: 0.50 )
Ranked among companies with meaningful PS Ratio only.
IEBS' s PS Ratio Range Over the Past 10 Years
Min: 0.03  Med: 0.88 Max: 13.3
Current: 0.5
0.03
13.3
EV-to-EBIT 4.87
IEBS's EV-to-EBIT is ranked higher than
79% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. IEBS: 4.87 )
Ranked among companies with meaningful EV-to-EBIT only.
IEBS' s EV-to-EBIT Range Over the Past 10 Years
Min: -12.1  Med: -0.85 Max: 20.4
Current: 4.87
-12.1
20.4
EV-to-EBITDA 5.29
IEBS's EV-to-EBITDA is ranked higher than
76% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. IEBS: 5.29 )
Ranked among companies with meaningful EV-to-EBITDA only.
IEBS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -13.4  Med: -0.9 Max: 27.4
Current: 5.29
-13.4
27.4

Buy Back

vs
industry
vs
history

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.20
IEBS's Price-to-Tangible-Book is ranked higher than
95% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. IEBS: 0.20 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
IEBS' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.03  Med: 0.31 Max: 2.15
Current: 0.2
0.03
2.15
Price-to-Median-PS-Value 0.65
IEBS's Price-to-Median-PS-Value is ranked higher than
84% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. IEBS: 0.65 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
IEBS' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.13  Med: 0.83 Max: 8.82
Current: 0.65
0.13
8.82
Earnings Yield (Greenblatt) % 20.61
IEBS's Earnings Yield (Greenblatt) % is ranked higher than
84% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. IEBS: 20.61 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
IEBS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.9  Med: 42.65 Max: 16262.5
Current: 20.61
4.9
16262.5

More Statistics

Revenue (TTM) (Mil) $4.08
EPS (TTM) $ -0.13
Beta-0.41
Short Percentage of Float0.00%
52-Week Range $0.10 - 0.21
Shares Outstanding (Mil)20.50

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