Logo image of IBOC

INTERNATIONAL BANCSHARES CRP (IBOC) Stock Fundamental Analysis

NASDAQ:IBOC - Nasdaq - US4590441030 - Common Stock - Currency: USD

69.37  -0.89 (-1.27%)

After market: 69.37 0 (0%)

Fundamental Rating

4

IBOC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 397 industry peers in the Banks industry. IBOC has a medium profitability rating, but doesn't score so well on its financial health evaluation. IBOC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

5

1. Profitability

1.1 Basic Checks

IBOC had positive earnings in the past year.
In the past year IBOC had a positive cash flow from operations.
In the past 5 years IBOC has always been profitable.
Each year in the past 5 years IBOC had a positive operating cash flow.
IBOC Yearly Net Income VS EBIT VS OCF VS FCFIBOC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

With an excellent Return On Assets value of 2.51%, IBOC belongs to the best of the industry, outperforming 98.74% of the companies in the same industry.
IBOC's Return On Equity of 14.12% is amongst the best of the industry. IBOC outperforms 89.67% of its industry peers.
Industry RankSector Rank
ROA 2.51%
ROE 14.12%
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
IBOC Yearly ROA, ROE, ROICIBOC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

IBOC has a better Profit Margin (49.48%) than 100.00% of its industry peers.
In the last couple of years the Profit Margin of IBOC has grown nicely.
IBOC 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) 49.48%
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
IBOC Yearly Profit, Operating, Gross MarginsIBOC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

More info and screens

3

2. Health

2.1 Basic Checks

IBOC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, IBOC has more shares outstanding
IBOC has less shares outstanding than it did 5 years ago.
The debt/assets ratio for IBOC has been reduced compared to a year ago.
IBOC Yearly Shares OutstandingIBOC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
IBOC Yearly Total Debt VS Total AssetsIBOC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

The Debt to FCF ratio of IBOC is 1.51, which is an excellent value as it means it would take IBOC, only 1.51 years of fcf income to pay off all of its debts.
IBOC has a better Debt to FCF ratio (1.51) than 61.46% of its industry peers.
IBOC has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
IBOC has a Debt to Equity ratio of 0.24. This is in the lower half of the industry: IBOC underperforms 63.73% of its industry peers.
Even though the debt/equity ratio score it not favorable for IBOC, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.51
Altman-Z N/A
ROIC/WACCN/A
WACC11.11%
IBOC Yearly LT Debt VS Equity VS FCFIBOC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IBOC Yearly Current Assets VS Current LiabilitesIBOC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

More info and screens

2

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 0.33% over the past year.
IBOC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.05% yearly.
Looking at the last year, IBOC shows a decrease in Revenue. The Revenue has decreased by -0.93% in the last year.
The Revenue has been growing slightly by 7.21% on average over the past years.
EPS 1Y (TTM)0.33%
EPS 3Y17.97%
EPS 5Y16.05%
EPS Q2Q%-0.2%
Revenue 1Y (TTM)-0.93%
Revenue growth 3Y11.99%
Revenue growth 5Y7.21%
Sales Q2Q%-3.71%

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.
IBOC Yearly Revenue VS EstimatesIBOC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

More info and screens

3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.57, the valuation of IBOC can be described as very reasonable.
Based on the Price/Earnings ratio, IBOC is valued a bit cheaper than the industry average as 77.83% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.30, IBOC is valued rather cheaply.
Industry RankSector Rank
PE 10.57
Fwd PE N/A
IBOC Price Earnings VS Forward Price EarningsIBOC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

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 70.28% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.29
EV/EBITDA N/A
IBOC Per share dataIBOC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.66
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

IBOC has a Yearly Dividend Yield of 1.99%.
Compared to an average industry Dividend Yield of 3.31, IBOC is paying slightly less dividend.
IBOC's Dividend Yield is comparable with the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 1.99%

5.2 History

The dividend of IBOC has a limited annual growth rate of 4.72%.
IBOC has been paying a dividend for at least 10 years, so it has a reliable track record.
IBOC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.72%
Div Incr Years15
Div Non Decr Years15
IBOC Yearly Dividends per shareIBOC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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
IBOC Yearly Income VS Free CF VS DividendIBOC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
IBOC Dividend Payout.IBOC Dividend Payout, showing the Payout Ratio.IBOC Dividend Payout.PayoutRetained Earnings

More info and screens

INTERNATIONAL BANCSHARES CRP

NASDAQ:IBOC (7/11/2025, 8:22:29 PM)

After market: 69.37 0 (0%)

69.37

-0.89 (-1.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-01 2025-05-01
Earnings (Next)07-31 2025-07-31
Inst Owners69.77%
Inst Owner Change0%
Ins Owners13.45%
Ins Owner Change0.04%
Market Cap4.31B
Analysts0
Price TargetN/A
Short Float %1.95%
Short Ratio4.99
Dividend
Industry RankSector Rank
Dividend Yield 1.99%
Yearly Dividend1.32
Dividend Growth(5Y)4.72%
DP20.7%
Div Incr Years15
Div Non Decr Years15
Ex-Date02-14 2025-02-14 (0.7)
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 10.57
Fwd PE N/A
P/S 5.22
P/FCF 9.29
P/OCF 9
P/B 1.49
P/tB 1.65
EV/EBITDA N/A
EPS(TTM)6.56
EY9.46%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)7.47
FCFY10.76%
OCF(TTM)7.71
OCFY11.11%
SpS13.29
BVpS46.59
TBVpS42.04
PEG (NY)N/A
PEG (5Y)0.66
Profitability
Industry RankSector Rank
ROA 2.51%
ROE 14.12%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 49.48%
GM N/A
FCFM 56.18%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.51
Debt/EBITDA N/A
Cap/Depr 66.57%
Cap/Sales 1.81%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 113.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC11.11%
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)0.33%
EPS 3Y17.97%
EPS 5Y16.05%
EPS Q2Q%-0.2%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.93%
Revenue growth 3Y11.99%
Revenue growth 5Y7.21%
Sales Q2Q%-3.71%
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 1Y7.79%
FCF growth 3Y17.8%
FCF growth 5Y10.27%
OCF growth 1Y6.09%
OCF growth 3Y17.56%
OCF growth 5Y8.75%