County Bancorp Inc (ICBK) Fundamental Analysis & Valuation

NASDAQ:ICBK

Current stock price

35.25
+0.66 (+1.91%)
Last:

This ICBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. ICBK Profitability Analysis

1.1 Basic Checks

  • ICBK had positive earnings in the past year.
ICBK Yearly Net Income VS EBIT VS OCF VS FCFICBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 0 10M -10M 20M -20M

1.2 Ratios

Industry RankSector Rank
ROA 1.25%
ROE 10.88%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ICBK Yearly ROA, ROE, ROICICBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2 4 6 8

1.3 Margins

  • ICBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 34.04%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
ICBK Yearly Profit, Operating, Gross MarginsICBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 10 20 30

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1

2. ICBK Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, ICBK has less shares outstanding
  • The debt/assets ratio for ICBK is higher compared to a year ago.
ICBK Yearly Shares OutstandingICBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2M 4M 6M
ICBK Yearly Total Debt VS Total AssetsICBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 500M 1B 1.5B

2.2 Solvency

  • A Debt/Equity ratio of 0.45 indicates that ICBK is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
ICBK Yearly LT Debt VS Equity VS FCFICBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 0 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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5

3. ICBK Growth Analysis

3.1 Past

  • ICBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 121.90%, which is quite impressive.
  • Measured over the past years, ICBK shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.54% on average per year.
  • ICBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.90%.
  • Measured over the past years, ICBK shows a quite strong growth in Revenue. The Revenue has been growing by 8.58% on average per year.
EPS 1Y (TTM)121.9%
EPS 3Y-0.82%
EPS 5Y-2.54%
EPS Q2Q%25%
Revenue 1Y (TTM)14.9%
Revenue growth 3Y3.25%
Revenue growth 5Y8.58%
Sales Q2Q%13.18%

3.2 Future

  • Based on estimates for the next years, ICBK will show a small growth in Earnings Per Share. The EPS will grow by 0.01% on average per year.
  • Based on estimates for the next years, ICBK will show a small growth in Revenue. The Revenue will grow by 5.37% on average per year.
EPS Next Y82.32%
EPS Next 2Y12.94%
EPS Next 3Y10.16%
EPS Next 5Y0.01%
Revenue Next Year15.95%
Revenue Next 2Y8.45%
Revenue Next 3Y7.41%
Revenue Next 5Y5.37%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
ICBK Yearly Revenue VS EstimatesICBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
ICBK Yearly EPS VS EstimatesICBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

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3

4. ICBK Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.60, which indicates a very decent valuation of ICBK.
  • When comparing the Price/Earnings ratio of ICBK to the average of the S&P500 Index (25.51), we can say ICBK is valued rather cheaply.
  • ICBK is valuated rather expensively with a Price/Forward Earnings ratio of 17.27.
  • When comparing the Price/Forward Earnings ratio of ICBK to the average of the S&P500 Index (22.76), we can say ICBK is valued slightly cheaper.
Industry RankSector Rank
PE 11.6
Fwd PE 17.27
ICBK Price Earnings VS Forward Price EarningsICBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ICBK Per share dataICBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • ICBK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.14
PEG (5Y)N/A
EPS Next 2Y12.94%
EPS Next 3Y10.16%

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3

5. ICBK Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.14%, ICBK has a reasonable but not impressive dividend return.
  • Compared to the average S&P500 Dividend Yield of 1.89, ICBK is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.14%

5.2 History

  • The dividend of ICBK is nicely growing with an annual growth rate of 8.91%!
  • ICBK has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)8.91%
Div Incr YearsN/A
Div Non Decr YearsN/A
ICBK Yearly Dividends per shareICBK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 0 0 0 0 0

5.3 Sustainability

  • 14.43% of the earnings are spent on dividend by ICBK. This is a low number and sustainable payout ratio.
  • ICBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP14.43%
EPS Next 2Y12.94%
EPS Next 3Y10.16%
ICBK Yearly Income VS Free CF VS DividendICBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 0 10M -10M 20M -20M
ICBK Dividend Payout.ICBK Dividend Payout, showing the Payout Ratio.ICBK Dividend Payout.PayoutRetained Earnings

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ICBK Fundamentals: All Metrics, Ratios and Statistics

County Bancorp Inc

NASDAQ:ICBK (12/3/2021, 8:07:26 PM)

35.25

+0.66 (+1.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A
Earnings (Next)01-20
Inst Owners0.26%
Inst Owner Change0%
Ins Owners2.6%
Ins Owner Change0%
Market Cap219.11M
Revenue(TTM)56.70M
Net Income(TTM)19.30M
Analysts48.89
Price Target35.32 (0.2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.14%
Yearly Dividend0.31
Dividend Growth(5Y)8.91%
DP14.43%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.6
Fwd PE 17.27
P/S 3.86
P/FCF N/A
P/OCF N/A
P/B 1.24
P/tB N/A
EV/EBITDA N/A
EPS(TTM)3.04
EY8.62%
EPS(NY)2.04
Fwd EY5.79%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS9.12
BVpS28.53
TBVpSN/A
PEG (NY)0.14
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.25%
ROE 10.88%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.04%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)121.9%
EPS 3Y-0.82%
EPS 5Y-2.54%
EPS Q2Q%25%
EPS Next Y82.32%
EPS Next 2Y12.94%
EPS Next 3Y10.16%
EPS Next 5Y0.01%
Revenue 1Y (TTM)14.9%
Revenue growth 3Y3.25%
Revenue growth 5Y8.58%
Sales Q2Q%13.18%
Revenue Next Year15.95%
Revenue Next 2Y8.45%
Revenue Next 3Y7.41%
Revenue Next 5Y5.37%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

County Bancorp Inc / ICBK Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for County Bancorp Inc?

ChartMill assigns a fundamental rating of 4 / 10 to ICBK.


What is the valuation status for ICBK stock?

ChartMill assigns a valuation rating of 6 / 10 to County Bancorp Inc (ICBK). This can be considered as Fairly Valued.


How profitable is County Bancorp Inc (ICBK) stock?

County Bancorp Inc (ICBK) has a profitability rating of 4 / 10.


Can you provide the financial health for ICBK stock?

The financial health rating of County Bancorp Inc (ICBK) is 1 / 10.


Is the dividend of County Bancorp Inc sustainable?

The dividend rating of County Bancorp Inc (ICBK) is 5 / 10 and the dividend payout ratio is 14.43%.