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Independent Bank Group, Inc.

  • Market Cap: Small Cap
  • Industry: Regional Banks
  • ISIN: US45384B1061
USD
60.67
0.28 (0.46%)

Jan 02

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Bread Financial Holdings, Inc.
Pacific Premier Bancorp, Inc.
TowneBank
Seacoast Banking Corp. of Florida
Bank of Hawaii Corp.
The Bancorp, Inc. (Delaware)
First Financial Bancorp (Ohio)
Independent Bank Corp. (Massachusetts)
Hilltop Holdings, Inc.
BankUnited, Inc.
Independent Bank Group, Inc.
Why is Independent Bank Group, Inc. ?
1
The company has declared Negative results for the last 6 consecutive quarters
  • NET PROFIT(HY) At USD -468.26 MM has Grown at -812.44%
  • OPERATING CASH FLOW(Y) Lowest at USD 56.31 MM
  • INTEREST(9M) At USD 400.99 MM has Grown at 38.93%
2
Risky - Not traded in last 10 days
  • The stock is trading risky as compared to its average historical valuations
  • Over the past year, while the stock has generated a return of 0%, its profits have fallen by -350.6%
  • At the current price, the company has a high dividend yield of 124.8
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Independent Bank Group, Inc. for you?

Medium Risk, Medium Return

Absolute
Risk Adjusted
Volatility
Independent Bank Group, Inc.
19.24%
0.51
37.77%
S&P 500
13.22%
0.61
20.23%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
9.54%
EBIT Growth (5y)
-224.79%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
22.69%
Pledged Shares
0
Institutional Holding
89.70%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
1.29
EV to EBIT
-1.72
EV to EBITDA
-4.02
EV to Capital Employed
1.52
EV to Sales
1.73
PEG Ratio
NA
Dividend Yield
124.81%
ROCE (Latest)
-88.68%
ROE (Latest)
-22.03%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
Mildly Bearish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

Icon
Not enough Data to analyse Financial Trend
Icon
Not enough Data to analyse Financial Trend
Here's what is working for Independent Bank Group, Inc.
Net Sales
Highest at USD 241.72 MM and Grown
In each period in the last five periods
MOJO Watch
Near term sales trend is very positive

Net Sales (USD MM)

Pre-Tax Profit
At USD 26.16 MM has Grown at 126.43%
over average net sales of the previous four periods of USD -99.01 MM
MOJO Watch
Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit
At USD 20.67 MM has Grown at 119.81%
over average net sales of the previous four periods of USD -104.33 MM
MOJO Watch
Near term Net Profit trend is very positive

Net Profit (USD MM)

Dividend Payout Ratio
Highest at 77.16% and Grown
In each year in the last five years
MOJO Watch
Company is distributing higher proportion of profits generated as dividend

DPR (%)

CASA
Highest at 10.36%
in the last five periods
MOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Independent Bank Group, Inc.
Operating Cash Flow
Lowest at USD 56.31 MM and Fallen
In each year in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Non Performing Loans (%)
Highest at 0.41%
in the last four Semi-Annual periods
MOJO Watch
Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Interest
At USD 400.99 MM has Grown at 38.93%
over previous Semi-Annual period
MOJO Watch
Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Cash and Eqv
Lowest at USD 197.14 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is deteriorating

Cash and Cash Equivalents

Credit Deposit Ratio
Lowest at 89.33%
in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

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