66.5 USD
-0.48 (-0.72%)
Overall IBOC gets a fundamental rating of 4 out of 10. We evaluated IBOC against 387 industry peers in the Banks industry. There are concerns on the financial health of IBOC while its profitability can be described as average. IBOC has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year IBOC was profitable.
IBOC had a positive operating cash flow in the past year.
In the past 5 years IBOC has always been profitable.
Each year in the past 5 years IBOC had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 2.54%, IBOC belongs to the best of the industry, outperforming 99.22% of the companies in the same industry.
IBOC has a better Return On Equity (13.44%) than 90.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.54% | ||
| ROE | 13.44% | ||
| ROIC | N/A |
ROA(3y)2.42%
ROA(5y)2.01%
ROE(3y)15.38%
ROE(5y)12.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
IBOC has a better Profit Margin (50.50%) than 100.00% of its industry peers.
IBOC's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for IBOC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 50.5% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.69%
PM growth 5Y7.09%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
IBOC does not have a ROIC to compare to the WACC, probably because it is not profitable.
IBOC has more shares outstanding than it did 1 year ago.
IBOC has less shares outstanding than it did 5 years ago.
IBOC has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of IBOC is 1.71, which is an excellent value as it means it would take IBOC, only 1.71 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.71, IBOC perfoms like the industry average, outperforming 53.75% of the companies in the same industry.
A Debt/Equity ratio of 0.25 indicates that IBOC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.25, IBOC is doing worse than 63.31% of the companies in the same industry.
Although IBOC does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.82%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.98% over the past year.
Measured over the past years, IBOC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.05% on average per year.
IBOC shows a decrease in Revenue. In the last year, the revenue decreased by -0.44%.
The Revenue has been growing slightly by 7.21% on average over the past years.
EPS 1Y (TTM)4.98%
EPS 3Y17.97%
EPS 5Y16.05%
EPS Q2Q%8.74%
Revenue 1Y (TTM)-0.44%
Revenue growth 3Y11.99%
Revenue growth 5Y7.21%
Sales Q2Q%2.97%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.85, which indicates a very decent valuation of IBOC.
Based on the Price/Earnings ratio, IBOC is valued a bit cheaper than the industry average as 78.29% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.11, IBOC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.85 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IBOC indicates a somewhat cheap valuation: IBOC is cheaper than 71.58% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.61
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.11%, IBOC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.15, IBOC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.32, IBOC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
5.2 History
The dividend of IBOC has a limited annual growth rate of 4.72%.
IBOC has paid a dividend for at least 10 years, which is a reliable track record.
IBOC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.72%
Div Incr Years15
Div Non Decr Years15
5.3 Sustainability
20.70% of the earnings are spent on dividend by IBOC. This is a low number and sustainable payout ratio.
The dividend of IBOC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP20.7%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:IBOC (12/2/2025, 3:01:08 PM)
66.5
-0.48 (-0.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners70.46%
Inst Owner Change1.02%
Ins Owners13.44%
Ins Owner Change0.04%
Market Cap4.13B
Revenue(TTM)832.72M
Net Income(TTM)420.49M
Analysts0
Price TargetN/A
Short Float %2.19%
Short Ratio5.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
Yearly Dividend1.32
Dividend Growth(5Y)4.72%
DP20.7%
Div Incr Years15
Div Non Decr Years15
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.85 | ||
| Fwd PE | N/A | ||
| P/S | 4.96 | ||
| P/FCF | 9.12 | ||
| P/OCF | 8.87 | ||
| P/B | 1.32 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.75
EY10.15%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)7.3
FCFY10.97%
OCF(TTM)7.5
OCFY11.27%
SpS13.4
BVpS50.32
TBVpS45.77
PEG (NY)N/A
PEG (5Y)0.61
Graham Number87.42
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.54% | ||
| ROE | 13.44% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 50.5% | ||
| GM | N/A | ||
| FCFM | 54.46% |
ROA(3y)2.42%
ROA(5y)2.01%
ROE(3y)15.38%
ROE(5y)12.96%
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 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.69%
PM growth 5Y7.09%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.71 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 55.98% | ||
| Cap/Sales | 1.5% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 107.84% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC10.82%
ROIC/WACCN/A
Cap/Depr(3y)92.06%
Cap/Depr(5y)68.29%
Cap/Sales(3y)2.61%
Cap/Sales(5y)2.17%
Profit Quality(3y)114.58%
Profit Quality(5y)126.58%
High Growth Momentum
Growth
EPS 1Y (TTM)4.98%
EPS 3Y17.97%
EPS 5Y16.05%
EPS Q2Q%8.74%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.44%
Revenue growth 3Y11.99%
Revenue growth 5Y7.21%
Sales Q2Q%2.97%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
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 1Y9.11%
FCF growth 3Y17.8%
FCF growth 5Y10.27%
OCF growth 1Y5.64%
OCF growth 3Y17.56%
OCF growth 5Y8.75%
INTERNATIONAL BANCSHARES CRP / IBOC FAQ
Can you provide the ChartMill fundamental rating for INTERNATIONAL BANCSHARES CRP?
ChartMill assigns a fundamental rating of 4 / 10 to IBOC.
Can you provide the valuation status for INTERNATIONAL BANCSHARES CRP?
ChartMill assigns a valuation rating of 3 / 10 to INTERNATIONAL BANCSHARES CRP (IBOC). This can be considered as Overvalued.
Can you provide the profitability details for INTERNATIONAL BANCSHARES CRP?
INTERNATIONAL BANCSHARES CRP (IBOC) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for IBOC stock?
The Price/Earnings (PE) ratio for INTERNATIONAL BANCSHARES CRP (IBOC) is 9.85 and the Price/Book (PB) ratio is 1.32.
Is the dividend of INTERNATIONAL BANCSHARES CRP sustainable?
The dividend rating of INTERNATIONAL BANCSHARES CRP (IBOC) is 6 / 10 and the dividend payout ratio is 20.7%.