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County Bancorp Inc (ICBK) Stock Fundamental Analysis

NASDAQ:ICBK - Nasdaq - Common Stock

35.25  +0.66 (+1.91%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to ICBK. ICBK was compared to 405 industry peers in the Banks industry. ICBK may be in some trouble as it scores bad on both profitability and health. ICBK is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year ICBK was profitable.
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 2015 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 2015 2016 2017 2018 2019 2020 2 4 6 8

1.3 Margins

The Operating Margin and Gross Margin are not available for ICBK so they could not be analyzed.
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 2015 2016 2017 2018 2019 2020 10 20 30

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1

2. Health

2.1 Basic Checks

The number of shares outstanding for ICBK has been reduced compared to 1 year ago.
The debt/assets ratio for ICBK is higher compared to a year ago.
ICBK Yearly Shares OutstandingICBK Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 500M 1B 1.5B

2.2 Solvency

ICBK has a Debt/Equity ratio of 0.45. This is a healthy value indicating a solid balance between debt and equity.
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 2015 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. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 121.90% over the past year.
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

The Earnings Per Share is expected to grow by 0.01% on average over the next years.
ICBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.37% yearly.
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 2014 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 2014 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. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.60, the valuation of ICBK can be described as very reasonable.
When comparing the Price/Earnings ratio of ICBK to the average of the S&P500 Index (29.62), we can say ICBK is valued rather cheaply.
A Price/Forward Earnings ratio of 17.27 indicates a rather expensive valuation of ICBK.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, ICBK is valued a bit 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

The 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. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.14%, ICBK has a reasonable but not impressive dividend return.
With a Dividend Yield of 1.14, ICBK pays less dividend than the S&P500 average, which is at 2.27.
Industry RankSector Rank
Dividend Yield 1.14%

5.2 History

On average, the dividend of ICBK grows each year by 8.91%, which is quite nice.
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 2015 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 2015 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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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 N/A
Earnings (Next)01-20 2022-01-20
Inst Owners0.26%
Inst Owner Change0%
Ins Owners2.6%
Ins Owner Change0%
Market Cap219.11M
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
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
ROICexcg growth 3Y0%
ROICexcg 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