InBankshares (OTCPK:INBC) - Stock Price, News & Analysis

INBC Stock Overview

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

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 30.5% below our estimate of its fair value

Risk Analysis

Does not have a meaningful market cap ($91M)

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

InBankshares, Corp Competitors

BEO Bancorp

OTCPK:BEOB

US$92.3m

Oxford Bank

OTCPK:OXBC

US$81.3m

SouthPoint Bancshares

OTCPK:SOUB

US$103.3m

Jeffersonville Bancorp

OTCPK:JFBC

US$84.7m

Price History & Performance

Summary of all time highs, changes and price drops for InBankshares
Historical stock prices
Current Share Price	US$7.75
52 Week High	US$8.75
52 Week Low	US$7.50
Beta	0.23
11 Month Change	-6.17%
3 Month Change	-4.91%
1 Year Change	3.06%
33 Year Change	-22.19%
5 Year Change	n/a
Change since IPO	-22.50%

Recent updates

Shareholder Returns

	INBC	US Banks	US Market
7D	-1.9%	-2.8%	-1.9%
1Y	3.1%	45.2%	30.4%

Return vs Industry: INBC underperformed the US Banks industry which returned 46.7% over the past year.

Return vs Market: INBC underperformed the US Market which returned 30.8% over the past year.

Price Volatility

Is INBC's price volatile compared to industry and market?
INBC volatility
INBC Average Weekly Movement	3.0%
Banks Industry Average Movement	4.1%
Market Average Movement	6.0%
10% most volatile stocks in US Market	15.0%
10% least volatile stocks in US Market	2.9%

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$91.40m
Earnings (TTM)	US$7.41m
Revenue (TTM)	US$48.51m

12.3x

P/E Ratio

0.7x

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

InBankshares OTCPK:INBC Stock Report