INBC Stock Overview

Provides a range of banking and mortgage services to individual and business customers in the United States. More details

INBC fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 22.7% below our estimate of its fair value

Risk Analysis

Profit margins (15.3%) are lower than last year (23%)

My Notes

Capture your thoughts, links and company narrative

InBankshares, Corp Competitors

BEO Bancorp

OTCPK:BEOB

US$93.9m

SouthPoint Bancshares

OTCPK:SOUB

US$108.8m

First IC

OTCPK:FIEB

US$84.3m

Primary Bank

OTCPK:PRMY

US$117.7m

Price History & Performance

Summary of share price highs, lows and changes for InBankshares
Historical stock prices
Current Share Price	US$8.50
52 Week High	US$8.75
52 Week Low	US$7.61
Beta	0.25
1 Month Change	8.83%
3 Month Change	-2.86%
1 Year Change	7.59%
3 Year Change	-14.14%
5 Year Change	n/a
Change since IPO	-15.00%

Recent updates

Shareholder Returns

	INBC	US Banks	US Market
7D	2.4%	-3.4%	-2.4%
1Y	7.6%	29.1%	23.4%

Return vs Industry: INBC underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: INBC underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is INBC's price volatile compared to industry and market?
INBC volatility
INBC Average Weekly Movement	3.1%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: INBC has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine INBC's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2017	184	Ed Francis	inbank.com

InBankshares, Corp provides a range of banking and mortgage services to individual and business customers in the United States. It provides business and personal checking and savings accounts, and credit cards. The company also offers business lending, including equipment term, owner occupied real estate, small business administration, investor real estate, and construction loans, as well working capital lines of credit.

InBankshares, Corp Fundamentals Summary

How do InBankshares's earnings and revenue compare to its market cap?
INBC fundamental statistics
Market cap	US$100.27m
Earnings (TTM)	US$7.41m
Revenue (TTM)	US$48.51m

13.5x

P/E Ratio

0.8x

P/B Ratio

Is INBC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
INBC income statement (TTM)
Revenue	US$48.51m
Cost of Revenue	US$0
Gross Profit	US$48.51m
Other Expenses	US$41.11m
Earnings	US$7.41m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.63
Gross Margin	100.00%
Net Profit Margin	15.26%
Debt/Equity Ratio	41.4%

How did INBC perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 08:28
End of Day Share Price	2024/12/17 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

InBankshares, Corp is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

InBankshares OTCPK:INBC Stock Report