Independent Bank Valuation
| IBTX Stock | USD 64.67 1.61 2.55% |
At this time, the firm appears to be overvalued. Independent Bank retains a regular Real Value of $52.59 per share. The prevalent price of the firm is $64.67. Our model calculates the value of Independent Bank from evaluating the firm fundamentals such as Current Valuation of 1.86 B, return on asset of -0.0234, and Return On Equity of -0.2 as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Independent Bank's valuation include:
Price Book 1.375 | Enterprise Value 1.9 B | Price Sales 5.7415 | Forward PE 19.4175 | Enterprise Value Revenue 6.7605 |
Overvalued
Today
Please note that Independent Bank's price fluctuation is very steady at this time. Calculation of the real value of Independent Bank is based on 3 months time horizon. Increasing Independent Bank's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Independent Bank is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Independent Stock. However, Independent Bank's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 64.67 | Real 52.59 | Target 46.17 | Hype 64.67 | Naive 63.04 |
The intrinsic value of Independent Bank's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Independent Bank's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Independent Bank Group helps investors to forecast how Independent stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Independent Bank more accurately as focusing exclusively on Independent Bank's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Independent Bank's intrinsic value based on its ongoing forecasts of Independent Bank's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Independent Bank's closest peers.
Independent Bank Cash |
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Independent Valuation Trend
Analysing the historical paterns of Independent Bank's enterprise value and its market capitalization is a good way to estimate and gauge the value of Independent Bank Group over time and is usually enough for investors to make rational market timing decisions.
Independent Bank Total Value Analysis
Independent Bank Group is currently anticipated to have valuation of 1.86 B with market capitalization of 2.68 B, debt of 676.44 M, and cash on hands of 533.58 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Independent Bank fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
1.86 B | 2.68 B | 676.44 M | 533.58 M |
Independent Bank Investor Information
About 14.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.38. Some equities with similar Price to Book (P/B) outperform the market in the long run. Independent Bank has Price/Earnings To Growth (PEG) ratio of 1.81. The entity recorded a loss per share of 10.5. The firm last dividend was issued on the 31st of October 2024. Based on the analysis of Independent Bank's profitability, liquidity, and operating efficiency, Independent Bank Group is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.57 | 0.67 |
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| Total Cash From Operating Activities | 116 M | 165.3 M |
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| Operating Income | 167.7 M | 194.1 M |
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Independent Bank Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Independent Bank has an asset utilization ratio of 2.67 percent. This suggests that the Company is making $0.0267 for each dollar of assets. An increasing asset utilization means that Independent Bank Group is more efficient with each dollar of assets it utilizes for everyday operations.Independent Bank Ownership Allocation
Independent Bank Group has a total of 41.44 Million outstanding shares. The majority of Independent Bank outstanding shares are owned by outside corporations. These institutional investors are usually referred to as non-private investors looking to purchase positions in Independent Bank to benefit from reduced commissions. Consequently, third-party entities are subject to a different set of regulations than regular investors in Independent Bank Group. Please pay attention to any change in the institutional holdings of Independent Bank as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company holds, if the real value of the firm is less than the current market value, you may not be able to make money on it.Independent Bank Profitability Analysis
The company reported the previous year's revenue of 507.67 M. Net Income was 43.2 M with profit before overhead, payroll, taxes, and interest of 605.18 M.Independent Bank Past Distributions to stockholders
About Independent Bank Valuation
Our relative valuation model uses a comparative analysis of Independent Bank. We calculate exposure to Independent Bank's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Independent Bank's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 507.7 M | 339.6 M | |
| Pretax Profit Margin | 0.10 | 0.10 | |
| Operating Profit Margin | 0.67 | 0.57 | |
| Net Profit Margin | 0.09 | 0.08 |
Independent Bank Quarterly Retained Earnings |
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A single share of Independent Bank represents a small ownership stake in the entity. As a stockholder of Independent, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Independent Bank Dividends Analysis For Valuation
Dividends Paid is likely to rise to about 65.8 M in 2024. Dividend Yield is likely to rise to 0.03 in 2024. At this time, Independent Bank's Retained Earnings are fairly stable compared to the past year. Retained Earnings Total Equity is likely to rise to about 770.8 M in 2024, whereas Earning Assets are likely to drop slightly above 1 B in 2024.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 62.7 M | 65.8 M | |
| Dividend Yield | 0.03 | 0.03 | |
| Dividend Payout Ratio | 1.45 | 1.52 | |
| Dividend Paid And Capex Coverage Ratio | 1.97 | 2.12 |
There are various types of dividends Independent Bank can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Independent shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Independent Bank Group directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Independent pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Independent Bank by the value of the dividends paid out.
Independent Bank Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 41.3 M | |
| Quarterly Earnings Growth Y O Y | -0.38 | |
| Forward Price Earnings | 19.4175 |
Independent Bank Current Valuation Indicators
Valuation refers to the process of determining the present value of Independent Bank Group and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Independent we look at many different elements of the entity such as Independent's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Independent Bank, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Independent Bank's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Independent Bank's worth.Additional Tools for Independent Stock Analysis
When running Independent Bank's price analysis, check to measure Independent Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Independent Bank is operating at the current time. Most of Independent Bank's value examination focuses on studying past and present price action to predict the probability of Independent Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Independent Bank's price. Additionally, you may evaluate how the addition of Independent Bank to your portfolios can decrease your overall portfolio volatility.