InBankShares Corp (INBC) Ratios

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InBankShares Corp Ratios

INBC's free cash flow for Q2 2026 was $0.62. For the 2026 fiscal year, INBC's free cash flow was decreased by $ and operating cash flow was $0.20. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.23	0.22	0.05	0.22	8.05
Quick Ratio	0.23	0.22	0.05	0.22	8.99
Cash Ratio	0.23	0.10	0.05	0.08	0.72
Solvency Ratio	<0.01	<0.01	0.01	<0.01	<0.01
Operating Cash Flow Ratio	0.00	0.02	0.01	<0.01	0.75
Short-Term Operating Cash Flow Coverage	0.00	39.49	0.74	0.99	0.77
Net Current Asset Value	$ -1.19B	$ -1.02B	$ -1.13B	$ -967.86M	$ -930.37M
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.08	0.04	0.03	0.04
Debt-to-Equity Ratio	0.55	0.83	0.36	0.30	0.48
Debt-to-Capital Ratio	0.36	0.45	0.26	0.23	0.32
Long-Term Debt-to-Capital Ratio	0.14	0.45	0.16	0.19	0.20
Financial Leverage Ratio	9.10	9.97	9.97	11.22	11.26
Debt Service Coverage Ratio	0.10	0.27	0.22	0.43	0.39
Interest Coverage Ratio	0.38	0.29	0.49	0.63	3.15
Debt to Market Cap	0.45	0.82	0.43	0.38	0.64
Interest Debt Per Share	8.99	12.06	6.29	4.66	5.36
Net Debt to EBITDA	7.06	0.40	-0.09	-4.35	2.53
Profitability Margins
Gross Profit Margin	53.77%	54.48%	63.41%	71.11%	88.38%
EBIT Margin	11.18%	9.16%	15.96%	17.48%	22.43%
EBITDA Margin	11.47%	10.38%	15.96%	21.45%	27.28%
Operating Profit Margin	11.18%	9.16%	15.96%	17.48%	22.43%
Pretax Profit Margin	11.18%	9.16%	16.07%	17.48%	22.43%
Net Profit Margin	9.27%	7.46%	12.51%	12.99%	17.78%
Continuous Operations Profit Margin	9.27%	7.46%	12.51%	12.99%	17.78%
Net Income Per EBT	82.91%	81.44%	77.88%	74.32%	79.28%
EBT Per EBIT	100.00%	100.00%	100.64%	100.00%	100.00%
Return on Assets (ROA)	0.58%	0.44%	0.78%	0.66%	0.71%
Return on Equity (ROE)	5.47%	4.41%	7.75%	7.38%	7.97%
Return on Capital Employed (ROCE)	0.74%	2.86%	4.31%	7.09%	0.91%
Return on Invested Capital (ROIC)	0.58%	2.33%	2.70%	5.03%	1.55%
Return on Tangible Assets	0.59%	0.45%	0.79%	0.67%	0.72%
Earnings Yield	4.25%	4.41%	9.84%	9.40%	10.72%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	11.41	9.07
Payables Turnover	0.00	0.00	0.00	19.19	15.82
Inventory Turnover	0.00	0.00	0.00	0.00	-0.24
Fixed Asset Turnover	6.87	6.90	6.10	5.41	3.84
Asset Turnover	0.06	0.06	0.06	0.05	0.04
Working Capital Turnover Ratio	-0.18	-0.09	-0.09	-0.18	-0.56
Cash Conversion Cycle	0.00	0.00	0.00	12.97	-1.49K
Days of Sales Outstanding	0.00	0.00	0.00	31.99	40.23
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	-1.51K
Days of Payables Outstanding	0.00	0.00	0.00	19.02	23.07
Operating Cycle	0.00	0.00	0.00	31.99	-1.47K
Cash Flow Ratios
Operating Cash Flow Per Share	0.00	1.48	1.23	0.69	1.83
Free Cash Flow Per Share	0.00	1.35	1.19	0.61	1.78
CapEx Per Share	0.00	0.13	0.04	0.07	0.05
Free Cash Flow to Operating Cash Flow	0.00	0.91	0.97	0.89	0.97
Dividend Paid and CapEx Coverage Ratio	0.00	11.43	29.12	9.36	35.63
Capital Expenditure Coverage Ratio	0.00	11.43	29.12	9.36	35.63
Operating Cash Flow Coverage Ratio	0.00	0.15	0.31	0.22	0.36
Operating Cash Flow to Sales Ratio	0.00	0.21	0.18	0.12	0.39
Free Cash Flow Yield	0.00%	11.27%	13.48%	7.66%	22.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	23.26	22.55	10.16	10.63	9.33
Price-to-Sales (P/S) Ratio	2.16	1.69	1.27	1.38	1.66
Price-to-Book (P/B) Ratio	1.25	1.00	0.79	0.78	0.74
Price-to-Free Cash Flow (P/FCF) Ratio	0.00	8.87	7.42	13.05	4.42
Price-to-Operating Cash Flow Ratio	0.00	8.10	7.16	11.66	4.30
Price-to-Earnings Growth (PEG) Ratio	-0.81	-0.58	0.64	-0.99	0.07
Price-to-Fair Value	1.25	1.00	0.79	0.78	0.74
Enterprise Value Multiple	25.87	16.70	7.88	2.09	8.62
Enterprise Value	252.91M	145.20M	102.94M	30.42M	116.51M
EV to EBITDA	25.87	16.70	7.88	2.09	8.62
EV to Sales	2.97	1.73	1.26	0.45	2.35
EV to Free Cash Flow	0.00	9.10	7.34	4.24	6.27
EV to Operating Cash Flow	0.00	8.30	7.08	3.78	6.09
Tangible Book Value Per Share	10.70	10.12	9.22	8.06	8.01
Shareholders’ Equity Per Share	12.47	11.95	11.22	10.20	10.57
Tax and Other Ratios
Effective Tax Rate	0.17	0.19	0.22	0.26	0.21
Revenue Per Share	7.15	7.07	6.95	5.79	4.74
Net Income Per Share	0.66	0.53	0.87	0.75	0.84
Tax Burden	0.83	0.81	0.78	0.74	0.79
Interest Burden	1.00	1.00	1.01	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.25	0.25	0.27	0.27	0.34
Stock-Based Compensation to Revenue	<0.01	0.01	0.00	0.01	0.02
Income Quality	0.00	2.80	1.42	0.91	2.17

Currency in USD