$INBK
Market Cap:
$361.9 Million
$INBK Insights BETA
Income/Loss
- The tax rate (Income Tax Paid / Pretax Income) is 11.88% on average, which is well below the 21% corporate tax rate. It might be worth trying to understand what's going on.
- Net Income is relatively inconsistent. When Net Income is inconsistent, it's hard to determine a value of the company you can feel confident in.
- Net Income / Total Revenues is 19.36% on average. This is good when it's above 10%. When comparing with competitors, the company with the highest ratio will likely be the one with the competitive advantage.
- Earnings Per Share is relatively inconsistent. Erratic earnings picture is a red flag that indicates a fiercely competitive industry with lots of booms and busts. During the bust part of the cycle, the stock price might fall significantly after a bad earnings performance. This creates the illusion of a value buying opportunity but it’s not. Also keep in mind if the company has had stock splits or reverse splits.
Pretax Income
Income Tax
Net Profits/Loss
Pretax Income YoY Change
Income Tax Rate
Net Profits/Loss YoY Change
Basic EPS
Net Income To Revenue Ratio
Assets & Liabilities
- Company's without competitive advantage have an ever increasing amount of PPE, which is going also be accompanied by increasing Depreciation expenses. This is a bad because it eats into the profits of the company and indicates that the company likely needs to continuously reinvent their products. This could indicate they are facing fierce competition and a lack of a competitive advantage. It’s particularly worse if the increases in PPE investments are done using debt, rather than internal sources so check debt growth.
- Goodwill is relatively consistent. If Goodwill stays the same year after year, it’s because it’s paying under book value for companies it’s purchasing or because it’s not purchasing other companies.
Cash & Short-Term Investments
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Cash & Equivalents
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Cash To Operating Expenses Ratio
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Inventory
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Receivables
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Total Short-Term Assets
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Property, Plant And Equipment
Long-Term Investments
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Total Long-Term Assets
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Total Assets
Net Income To Total Assets Percentage
Accounts Payable
Short-Term Debt
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Long Term Debt Due
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Total Short-Term Liabilities
Long-Term Debt
Other Long-Term Liabilities
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Total Long-Term Liabilities
Total Liabilities
Short-Term To Long-Term Debt Ratio
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Short-Term Assets To Debt Ratio
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Long-Term Debt To Net Income Ratio
Ownership
- Return on Shareholders' Equity has been 2.08%, which is low (<10%). If Net Income as percentage of Total Revenue also weak (<10%) or negative, it’s a red flag. If it's strong (>10%), it's a green flag since this indicates that they are returning the earnings to shareholders somehow.