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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 No Debt
IEBS's Cash to Debt is ranked lower than
100% of the Companies
in the Global industry.

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

Equity to Asset 0.14
IEBS's Equity to Asset is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. IEBS: 0.14 )
IEBS' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.2
Current: 0.14

0.07
0.2
F-Score: 2
Z-Score: -0.26
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 (%) -160.83
IEBS's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. IEBS: -160.83 )
IEBS' s 10-Year Operating margin (%) Range
Min: -167.32   Max: 2.84
Current: -160.83

-167.32
2.84
Net-margin (%) -160.83
IEBS's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. IEBS: -160.83 )
IEBS' s 10-Year Net-margin (%) Range
Min: -213.6   Max: 8.63
Current: -160.83

-213.6
8.63
ROE (%) -42.13
IEBS's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. IEBS: -42.13 )
IEBS' s 10-Year ROE (%) Range
Min: -60.72   Max: 1.7
Current: -42.13

-60.72
1.7
ROA (%) -5.78
IEBS's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. IEBS: -5.78 )
IEBS' s 10-Year ROA (%) Range
Min: -5.78   Max: 0.29
Current: -5.78

-5.78
0.29
ROC (Joel Greenblatt) (%) -239.87
IEBS's ROC (Joel Greenblatt) (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. IEBS: -239.87 )
IEBS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -239.87   Max: 3.88
Current: -239.87

-239.87
3.88
Revenue Growth (%) -48.90
IEBS's Revenue Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

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

-48.9
10.7
EBITDA Growth (%) -49.80
IEBS's EBITDA Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

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

-49.8
59.9
EPS Growth (%) -53.80
IEBS's EPS Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. IEBS: -53.80 )
IEBS' s 10-Year EPS Growth (%) 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

Latest Guru Trades with IEBS

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Ratios

vs
industry
vs
history
P/B 2.50
IEBS's P/B is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. IEBS: 2.50 )
IEBS' s 10-Year P/B Range
Min: 0.01   Max: 3.69
Current: 2.5

0.01
3.69
P/S 8.20
IEBS's P/S is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. IEBS: 8.20 )
IEBS' s 10-Year P/S Range
Min: 0.03   Max: 13.16
Current: 8.2

0.03
13.16
EV-to-EBIT -4.25
IEBS's EV-to-EBIT is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. IEBS: -4.25 )
IEBS' s 10-Year EV-to-EBIT Range
Min: 98.9   Max: 164.4
Current: -4.25

98.9
164.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.50
IEBS's Price/Tangible Book is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. IEBS: 2.50 )
IEBS' s 10-Year Price/Tangible Book Range
Min: 0.01   Max: 3.69
Current: 2.5

0.01
3.69
Price/Median PS Value 17.80
IEBS's Price/Median PS Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. IEBS: 17.80 )
IEBS' s 10-Year Price/Median PS Value Range
Min: 0.08   Max: 26.67
Current: 17.8

0.08
26.67
Forward Rate of Return (Yacktman) -57.89
IEBS's Forward Rate of Return (Yacktman) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. IEBS: -57.89 )
IEBS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -257.1   Max: -4.8
Current: -57.89

-257.1
-4.8

Business Description

Industry: »
Compare: » details
Independence Bancshares, Inc., a bank holding company, was incorporated on May 16, 2005. The Company operates as a holding company for Independence Bancshares, Inc. The bank provides community banking services to consumers and small- to mid-size businesses, principally in Greenville County, South Carolina. It accepts various deposits, including checking accounts, commercial accounts, NOW accounts, savings accounts, and time deposits of various types ranging from daily money market accounts to long-term certificates of deposit. The Company also originates real estate mortgage loans, commercial real estate loans, construction and development real estate loans, residential real estate loans and home equity loans, commercial business loans, and consumer loans, including loans to individuals for personal and household purposes, such as secured and unsecured installment loans, and revolving lines of credit. In addition, it offers various services, such as cashier’s checks, banking by mail, direct deposit of payroll and social security checks, remote deposit capture, the United States Savings Bonds, and travelers checks, as well as merchant banking and credit card, Internet banking, bill payment, and cash management services. It serves small business owners, legal and medical communities, insurance agencies, and clients owning and developing income producing properties. It operates through three full service branch offices. As a bank holding company, the Company is subject to the regulation and supervision of the Federal Reserve Board.
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