INBC

InBankshares, Corp

USD

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Price alert · INBC

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16.20 USD +0.11 +0.68%
As of Oct 30, 2026
16.19 Day range 16.20
11.30 52-week range 16.20
YTD
+35.56%
1 year
+38.23%
Open
16.19
Prev close
16.09
Mkt cap
193.52M
Vol
3.37K
Avg vol
14.43K
EPS
0.66
P/E
24.55
More statistics
Low
16.19
High
16.20

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Financial health

Altman Z-Score

0.18 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 2
  • P/B 3

Valuation

P/E 22.5×
FY 2018: -0.0×FY 2019: -0.0×FY 2020: 44.4×FY 2021: 27.0×FY 2022: 9.4×FY 2023: 10.7×FY 2024: 10.2×FY 2025: 22.5×
FY 2018 5y median 10.7× FY 2025
P/S 1.7×
FY 2018: 0.0×FY 2019: 0.0×FY 2020: 2.3×FY 2021: 2.6×FY 2022: 1.7×FY 2023: 1.4×FY 2024: 1.3×FY 2025: 1.7×
FY 2018 5y median 1.7× FY 2025
P/B 1.0×
FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 0.7×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 1.0×
FY 2018 5y median 0.8× FY 2025
P/FCF 8.9×
FY 2018: -0.1×FY 2019: -0.0×FY 2020: -12.4×FY 2021: 5.7×FY 2022: 4.4×FY 2023: 13.1×FY 2024: 7.4×FY 2025: 8.9×
FY 2018 5y median 7.4× FY 2025
EV/EBITDA 14.6×
FY 2018: -38.4×FY 2019: -1.4×FY 2020: 9.1×FY 2021: 11.1×FY 2022: 8.6×FY 2023: 2.1×FY 2024: 6.6×FY 2025: 14.6×
FY 2018 5y median 8.6× FY 2025
EV/Sales 1.7×
FY 2018: 4.9×FY 2019: 0.0×FY 2020: 1.2×FY 2021: 1.9×FY 2022: 2.4×FY 2023: 0.4×FY 2024: 1.3×FY 2025: 1.7×
FY 2018 5y median 1.7× FY 2025
FCF Yield 11.3%
FY 2018: -1826.5%FY 2019: -4361.6%FY 2020: -8.1%FY 2021: 17.4%FY 2022: 22.6%FY 2023: 7.7%FY 2024: 13.5%FY 2025: 11.3%
FY 2018 5y median 13.5% FY 2025

Profitability

Gross Margin 54.5%
FY 2018: 85.4%FY 2019: 82.4%FY 2020: 87.0%FY 2021: 90.7%FY 2022: 88.4%FY 2023: 71.1%FY 2024: 63.4%FY 2025: 54.5%
FY 2018 5y median 71.1% FY 2025
Operating Margin 9.2%
FY 2018: -20.7%FY 2019: -10.9%FY 2020: 6.5%FY 2021: 11.9%FY 2022: 22.4%FY 2023: 17.5%FY 2024: 16.0%FY 2025: 9.2%
FY 2018 5y median 16.0% FY 2025
Net Margin 7.5%
FY 2018: -17.4%FY 2019: -9.0%FY 2020: 5.1%FY 2021: 9.4%FY 2022: 17.8%FY 2023: 13.0%FY 2024: 12.5%FY 2025: 7.5%
FY 2018 5y median 12.5% FY 2025
ROE 4.4%
FY 2018: -2.3%FY 2019: -2.5%FY 2020: 1.8%FY 2021: 3.6%FY 2022: 8.0%FY 2023: 7.4%FY 2024: 7.8%FY 2025: 4.4%
FY 2018 5y median 7.4% FY 2025
ROIC 2.3%
FY 2018: -1.3%FY 2019: -1.6%FY 2020: 1.0%FY 2021: 2.4%FY 2022: 1.6%FY 2023: 5.0%FY 2024: 2.7%FY 2025: 2.3%
FY 2018 5y median 2.4% FY 2025
ROA 0.4%
FY 2018: -0.4%FY 2019: -0.4%FY 2020: 0.2%FY 2021: 0.4%FY 2022: 0.7%FY 2023: 0.7%FY 2024: 0.8%FY 2025: 0.4%
FY 2018 5y median 0.7% FY 2025

Growth (YoY)

Revenue 2.3%
FY 2018: 0.0%FY 2019: 110.7%FY 2020: 38.2%FY 2021: 16.3%FY 2022: 69.5%FY 2023: 36.8%FY 2024: 20.7%FY 2025: 2.3%
FY 2018 FY 2025
Operating Income -41.3%
FY 2018: 0.0%FY 2019: -10.6%FY 2020: 183.0%FY 2021: 112.7%FY 2022: 218.2%FY 2023: 6.6%FY 2024: 10.2%FY 2025: -41.3%
FY 2018 FY 2025
EPS (diluted) -38.4%
FY 2018: 0.0%FY 2019: -9.5%FY 2020: 178.3%FY 2021: 94.4%FY 2022: 134.3%FY 2023: -9.8%FY 2024: 16.2%FY 2025: -38.4%
FY 2018 FY 2025
Free Cash Flow 13.8%
FY 2018: 0.0%FY 2019: -138.1%FY 2020: -1142.3%FY 2021: 384.7%FY 2022: 42.5%FY 2023: -61.4%FY 2024: 95.5%FY 2025: 13.8%
FY 2018 FY 2025

Financial Health

Current Ratio 0.2×
FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 8.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2018 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 9.0×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2018 5y median 0.2× FY 2025
Debt / Equity 0.8×
FY 2018: 0.9×FY 2019: 0.6×FY 2020: 0.2×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.8×
FY 2018 5y median 0.5× FY 2025
Net Debt / EBITDA 0.4×
FY 2018: -38.4×FY 2019: -1.4×FY 2020: -8.7×FY 2021: -4.0×FY 2022: 2.5×FY 2023: -4.4×FY 2024: -0.1×FY 2025: 0.4×
FY 2018 5y median -0.1× FY 2025
Interest Coverage 0.3×
FY 2018: -2.0×FY 2019: -0.7×FY 2020: 0.8×FY 2021: 2.2×FY 2022: 3.1×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.3×
FY 2018 5y median 0.6× FY 2025

Dividends

Dividend Yield 0.0%
FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2018 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2018 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31