On the stock market since 2024, it operates in the world of money and finance. It has 2 employees. Now — the numbers.
This is an established company with proven profits.
Red columns mark years that ended in a loss.
Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
There is growth, but not at top-of-the-class tempo.
Clearly below the class average.
Business Quality: Profit power and business quality trail similar companies in the sector.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
angles, checked one by one.
The 2 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Executive Buying: The trades send no strong signal of confidence.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
Nothing in the current numbers stands out as a strong positive. That, by itself, is worth knowing.
Over the last 12 months, executives reported 66 sells against just 0 buys. Not an alarm bell by itself, but a number worth watching.
Measured against its sector, the quality of the business sits below the class average. Report-card grade: 9/100.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 10/100.
On our five-subject report card, IBAC sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: IBAC is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.