| Company Name: | IBT Bancorp Inc. PA | | Ticker Symbol: | IRW | | | WWW Address: | www.irwinbank.com | | CEO: | Charles G. Urtin | | No. of Employees: | 168 | | Common Issue Type: | CS | | Business Description: | A bank holding company which through its subsidiary, Irwin Bank provides a full range of commercial and retail banking and trust services.
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| | | Industry Information: | BANKING - Regional - Northeast Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 31.2 |  0.0 | - | - | 0 | 31.20 | 31.20 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 184.1 | 5.9 | 0.17 | 1.33 | 1.00 | 23.1 | 3.2 | 31.85 - 15.30 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 31.20 | $ | | PE Ratio - LTM | 23.1 | |
| Market Capitalisation | 182.6 | mil |
| Latest Shares Outstanding | 5.9 | mil |
| Earnings pS (EPS) | 1.33 | $ |
| Dividend pS (DPS) | 1.00 | ¢ |
| Dividend Yield | 3.2 | % |
| Dividend Payout Ratio | 75 | % |
| Revenue per Employee | 305,094 | $ |
| Effective Tax Rate | 22.7 | % |
| Float | 5.4 | mil |
| Float as % of Shares Outstanding | 91.6 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 63.5 | % |
| Pre-Tax Profit Margin | 20.6 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 1.0 | % |
| Return on Equity (ROE) | 11.5 | % |
| Return on Capital Invested (ROCI) | 6.4 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 11.9 | |
| Interest Cover | 1.5 | |
| Total Debt/Equity (Gearing Ratio) | 0.80 | |
| LT Debt/Total Capital | 45.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 11.90 | $ |
| Tangible Book-Value pS | 11.90 | $ |
| Cash Flow pS | 1.37 | $ |
| Free Cash Flow pS | 0.34 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 2.62 | |
| Price/Tangible Book Ratio | 2.62 | |
| Price/Cash Flow | 22.8 | |
| Price/Free Cash Flow | 91.8 | |
| P/E as % of Industry Group | 175.0 | % |
| P/E as % of Sector Segment | 135.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Type of Payment | Cash Payment |
| Dividend Rate | 1.00 |
| Current Dividend Yield | 3.2 |
| 5-Y Average Dividend Yield | 3.7 |
| Payout Ratio | 75.0 |
| 5-Y Average Payout Ratio | 67.0 |
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|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 0.8 | 104 | 11 | 26 |
| 4 Weeks | 31.25 | 30.55 | 30.97 | 0.7 | 103 | 17 | 326 |
| 13 Weeks | 31.85 | 27.44 | 27.14 | 15.0 | 109 | 39 | 2,482 |
| 26 Weeks | 31.85 | 17.90 | 17.80 | 75.3 | 194 | 52 | 6,482 |
| 52 Weeks | 31.85 | 15.30 | 19.00 | 64.2 | 182 | 35 | 8,770 |
| YTD | 31.85 | 26.25 | - | 13.2 | 122 | 36 | 3,949 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 31.00 | 30.99 | 30.65 | 27.32 | 24.81 | 0.17 | -0.20 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 6.36 | 76.3 | 10.17 |
| Income | -1.56 | 3.5 | 5.97 |
| Dividend | 9.79 | 91.6 | 5.48 |
| Capital Spending | -17.97 | NA | -3.67 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | -1.29 | NA | 5.87 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 7.2 | 7.2 | 7.4 |
| Earnings % | 9.6 | 9.6 | -7.1 |
| EPS % | 6.3 | 6.3 | -6.3 |
| EPS $ | 0.02 | 0.02 | -0.09 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 5.52 |
| Free Cash Flow Margin 5YEAR AVG | 11.82 |
| Cash-Flow pS | 1.53 |
| Free Cash-Flow pS | 0.42 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 11.92 |
| Debt Ratio | 91.61 |
| Total Debt/Equity (Gearing Ratio) | 1.55 |
| LT Debt/Equity | 0.87 |
| LT Debt/Capital Invested | 46.61 |
| LT Debt/Total Liabilities | 7.99 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 2.97 |
| Tobin's Q Ratio | 0.24 |
| Current P/E Ratio - LTM | 23.10 |
| Enterprise Value (EV)/EBITDA | 0.06 |
| Enterprise Value (EV)/Free Cash Flow | 9.79 |
| Dividend Yield | 3.2 |
| Price/Tangible Book Ratio - LTM | 2.62 |
| Price/Book Ratio - LTM | 2.62 |
| Price/Cash Flow Ratio | 22.8 |
| Price/Free Cash Flow Ratio - LTM | 91.8 |
| P/E Ratio (1 month ago) - LTM | 23.2 |
| P/E Ratio (26 weeks ago) - LTM | 13.6 |
| P/E Ratio (52 weeks ago) - LTM | 14.1 |
| 5-Y High P/E Ratio | 31.0 |
| 5-Y Low P/E Ratio | 11.5 |
| 5-Y Average P/E Ratio | 18.4 |
| Current P/E Ratio as % of 5-Y Average P/E | 126 |
| P/E as % of Industry Group | 175.0 |
| P/E as % of Sector Segment | 135.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 23.1 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 11.90 |
| Book Value pS - LTM | 11.90 |
| Capital Invested pS | 21.13 |
| Cash Flow pS - LTM | 1.37 |
| Free Cash Flow pS - LTM | 0.34 |
| Earnings pS (EPS) | 1.33 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 11.90 |
| Return on Equity (ROE) - 5YEAR AVRG. | 13.1 |
| Return on Capital Invested (ROCI) | 6.35 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 8.0 |
| Return on Assets (ROA) | 1.00 |
| Return on Assets (ROA) - 5YEAR AVRG. | 1.2 |
| EBIT Margin - LTM | 63.5 |
| EBITDA Margin - LTM | 63.5 |
| Pre-Tax Profit Margin | 45.63 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 48.95 |
| Net Profit Margin | 35.25 |
| Net Profit Margin - 5YEAR AVRG. | 36.84 |
| Effective Tax Rate | 22.75 |
| Effective Tax Rate - 5YEAR AVRG. | 24.89 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 310,344 |
| Net Income per Employee - LTM | 47,834 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,190.90 |
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