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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 38.60
IEBS's Cash to Debt is ranked higher than
66% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. IEBS: 38.60 )
Ranked among companies with meaningful Cash to Debt only.
IEBS' s 10-Year Cash to Debt Range
Min: 0.07  Med: 0.79 Max: No Debt
Current: 38.6
Equity to Asset 0.09
IEBS's Equity to Asset is ranked lower than
64% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. IEBS: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
IEBS' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.12 Max: 0.2
Current: 0.09
0.07
0.2
F-Score: 3
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 : 2/10

vs
industry
vs
history
Operating margin (%) -138.90
IEBS's Operating margin (%) is ranked lower than
99% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. IEBS: -138.90 )
Ranked among companies with meaningful Operating margin (%) only.
IEBS' s 10-Year Operating margin (%) Range
Min: -167.32  Med: -60.31 Max: 2.84
Current: -138.9
-167.32
2.84
Net-margin (%) -139.03
IEBS's Net-margin (%) is ranked lower than
99% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. IEBS: -139.03 )
Ranked among companies with meaningful Net-margin (%) only.
IEBS' s 10-Year Net-margin (%) Range
Min: -213.6  Med: -60.31 Max: 8.63
Current: -139.03
-213.6
8.63
ROE (%) -50.32
IEBS's ROE (%) is ranked lower than
99% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. IEBS: -50.32 )
Ranked among companies with meaningful ROE (%) only.
IEBS' s 10-Year ROE (%) Range
Min: -54.81  Med: -17.12 Max: 1.72
Current: -50.32
-54.81
1.72
ROA (%) -5.50
IEBS's ROA (%) is ranked lower than
98% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. IEBS: -5.50 )
Ranked among companies with meaningful ROA (%) only.
IEBS' s 10-Year ROA (%) Range
Min: -6.34  Med: -1.69 Max: 0.35
Current: -5.5
-6.34
0.35
Revenue Growth (3Y)(%) -50.50
IEBS's Revenue Growth (3Y)(%) is ranked lower than
97% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. IEBS: -50.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
IEBS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -50.5  Med: -3.15 Max: 10.7
Current: -50.5
-50.5
10.7
EBITDA Growth (3Y)(%) -29.90
IEBS's EBITDA Growth (3Y)(%) is ranked lower than
93% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. IEBS: -29.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
IEBS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -49.2  Med: -29.90 Max: 59.9
Current: -29.9
-49.2
59.9
EPS Growth (3Y)(%) -31.60
IEBS's EPS Growth (3Y)(%) is ranked lower than
92% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. IEBS: -31.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
IEBS' s 10-Year EPS Growth (3Y)(%) Range
Min: -53.8  Med: -31.60 Max: 63.2
Current: -31.6
-53.8
63.2
» IEBS's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/B 0.96
IEBS's P/B is ranked higher than
62% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. IEBS: 0.96 )
Ranked among companies with meaningful P/B only.
IEBS' s 10-Year P/B Range
Min: 0.01  Med: 0.82 Max: 3.69
Current: 0.96
0.01
3.69
P/S 2.22
IEBS's P/S is ranked higher than
71% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. IEBS: 2.22 )
Ranked among companies with meaningful P/S only.
IEBS' s 10-Year P/S Range
Min: 0.03  Med: 1.05 Max: 13.16
Current: 2.22
0.03
13.16
EV-to-EBIT -0.58
IEBS's EV-to-EBIT is ranked lower than
179% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. IEBS: -0.58 )
Ranked among companies with meaningful EV-to-EBIT only.
IEBS' s 10-Year EV-to-EBIT Range
Min: -12.1  Med: -1.75 Max: 20.3
Current: -0.58
-12.1
20.3
Days Sales Outstanding 23.73
IEBS's Days Sales Outstanding is ranked higher than
72% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. IEBS: 23.73 )
Ranked among companies with meaningful Days Sales Outstanding only.
IEBS' s 10-Year Days Sales Outstanding Range
Min: 26.25  Med: 35.75 Max: 54.31
Current: 23.73
26.25
54.31

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.96
IEBS's Price/Tangible Book is ranked higher than
65% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. IEBS: 0.96 )
Ranked among companies with meaningful Price/Tangible Book only.
IEBS' s 10-Year Price/Tangible Book Range
Min: 0.01  Med: 0.29 Max: 3.69
Current: 0.96
0.01
3.69
Price/Median PS Value 2.05
IEBS's Price/Median PS Value is ranked lower than
95% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. IEBS: 2.05 )
Ranked among companies with meaningful Price/Median PS Value only.
IEBS' s 10-Year Price/Median PS Value Range
Min: 0.03  Med: 0.70 Max: 11.43
Current: 2.05
0.03
11.43
Earnings Yield (Greenblatt) (%) -172.40
IEBS's Earnings Yield (Greenblatt) (%) is ranked lower than
100% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. IEBS: -172.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
IEBS' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -172.4  Med: 27.70 Max: 81.3
Current: -172.4
-172.4
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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