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InBankshares, Corp INBC OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

InBankshares, Corp (INBC) is a Banks - Regional company in the Financial Services sector, currently trading at $11.74. It has a SharesGrow Score of 53/100, indicating a mixed investment profile with 2 out of 7 criteria passed.

Financials: revenue is $84M, +26.3%/yr average growth. Net income is $6M, growing at -7.6%/yr. Net profit margin is 7.5% (thin). Gross margin is 54.5% (-45.5 pp trend).

Balance sheet: total debt is $117M against $142M equity (Debt-to-Equity (D/E) ratio 0.83, moderate). Current ratio is 0.22 (tight liquidity). Debt-to-assets is 8.3%. Total assets: $1.4B.

SharesGrow 7-Criteria breakdown: Value 75/100 (Pass), Growth 58/100 (Partial), Past 100/100 (Pass), Health 17/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 45/100 (Partial).

INBC SharesGrow Score Overview

55/100

SharesGrow Score

Above average fundamentals

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VALUE 75/100

Valuation — P/E, PEG, Forward PEG

GROWTH 58/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 17/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 45/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — INBC

INBC trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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INBC: +26.3%/yr revenue is, -7.6%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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INBC: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet INBC: Debt-to-Equity (D/E) ratio 0.83 (moderate), Current ratio is 0.22 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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INBC: Gross margin is 54.5% (-45.5 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

INBC: Net profit margin is 7.5%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range9.25-12.65

Volume900

Avg Volume (30D)3.3K

Market Cap$138.35M

Beta (1Y)0.42

Share Statistics

EPS (TTM)0.53

Shares Outstanding$11.86M

IPO Date2020-01-24

Employees174

CEOEdward G. Francis

Financial Highlights & Ratios

Revenue (TTM)$83.77M

Gross Profit$45.63M

EBITDA$7.68M

Net Income$6.25M

Operating Income$7.68M

Total Cash$252.13M

Total Debt$116.89M

Net Debt$3.52M

Total Assets$1.41B

Price / Earnings (P/E)22.2

Price / Sales (P/S)1.65

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS45332V1052

Price Chart

INBC

InBankshares, Corp ↗ · Other OTC

Financial Services • Banks - Regional

9.25 52WK RANGE 12.65

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