INTERNATIONAL BANCSHARES CRP(NASDAQ:IBOC) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, IBOC scores 4 out of 10 in our fundamental rating. IBOC was compared to 397 industry peers in the Banks industry. While IBOC is still in line with the averages on profitability rating, there are concerns on its financial health. IBOC has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

IBOC had positive earnings in the past year.

IBOC had a positive operating cash flow in the past year.

IBOC had positive earnings in each of the past 5 years.

Each year in the past 5 years IBOC had a positive operating cash flow.

1.2 Ratios

IBOC has a Return On Assets of 2.60%. This is amongst the best in the industry. IBOC outperforms 98.49% of its industry peers.

IBOC has a better Return On Equity (14.63%) than 90.93% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.6%
ROE	14.63%
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 Profit Margin of 49.08%. This is amongst the best in the industry. IBOC outperforms 100.00% of its industry peers.

IBOC's Profit Margin has improved in the last couple of years.

IBOC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	49.08%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

The number of shares outstanding for IBOC has been reduced compared to 5 years ago.

Compared to 1 year ago, IBOC has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of IBOC is 1.40, which is an excellent value as it means it would take IBOC, only 1.40 years of fcf income to pay off all of its debts.

IBOC has a Debt to FCF ratio of 1.40. This is in the better half of the industry: IBOC outperforms 64.74% of its industry peers.

A Debt/Equity ratio of 0.23 indicates that IBOC is not too dependend on debt financing.

The Debt to Equity ratio of IBOC (0.23) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.23
Debt/FCF	1.4
Altman-Z	N/A

ROIC/WACCN/A

WACC11.21%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for IBOC have decreased by -0.64% in the last 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.

The Revenue has been growing slightly by 0.01% in the past year.

The Revenue has been growing slightly by 7.21% on average over the past years.

EPS 1Y (TTM)-0.64%

EPS 3Y17.97%

EPS 5Y16.05%

EPS Q2Q%7.98%

Revenue 1Y (TTM)0.01%

Revenue growth 3Y11.99%

Revenue growth 5Y7.21%

Sales Q2Q%-1.31%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.61, which indicates a very decent valuation of IBOC.

Based on the Price/Earnings ratio, IBOC is valued cheaper than 80.60% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 28.18, IBOC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.61
Fwd PE	N/A

4.2 Price Multiples

75.31% of the companies in the same industry are more expensive than IBOC, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	8.54
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.6

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

IBOC has a Yearly Dividend Yield of 2.23%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.50, IBOC is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.45, IBOC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.23%

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

20.06% of the earnings are spent on dividend by IBOC. This is a low number and sustainable payout ratio.

IBOC's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP20.06%

EPS Next 2YN/A

EPS Next 3YN/A

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INTERNATIONAL BANCSHARES CRP

NASDAQ:IBOC (5/5/2025, 10:58:57 AM)

63.13

+0.36 (+0.57%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-01 2025-05-01

Earnings (Next)07-30 2025-07-30

Inst Owners69.24%

Inst Owner Change-0.1%

Ins Owners13.9%

Ins Owner Change-0.32%

Market Cap3.93B

Analysts0

Price TargetN/A

Short Float %2.03%

Short Ratio3.24

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.23%

Yearly Dividend1.32

Dividend Growth(5Y)4.72%

DP20.06%

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 Rank	Sector Rank
PE	9.61
Fwd PE	N/A
P/S	4.71
P/FCF	8.54
P/OCF	8.29
P/B	1.4
P/tB	1.56
EV/EBITDA	N/A

EPS(TTM)6.57

EY10.41%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)7.39

FCFY11.71%

OCF(TTM)7.62

OCFY12.07%

SpS13.4

BVpS44.95

TBVpS40.41

PEG (NY)N/A

PEG (5Y)0.6

Profitability

		Industry Rank	Sector Rank
ROA	2.6%
ROE	14.63%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	49.08%
GM	N/A
FCFM	55.16%

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-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.23
Debt/FCF	1.4
Debt/EBITDA	N/A
Cap/Depr	62.81%
Cap/Sales	1.7%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	112.38%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC11.21%

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)-0.64%

EPS 3Y17.97%

EPS 5Y16.05%

EPS Q2Q%7.98%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)0.01%

Revenue growth 3Y11.99%

Revenue growth 5Y7.21%

Sales Q2Q%-1.31%

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 1Y2.88%

FCF growth 3Y17.8%

FCF growth 5Y10.27%

OCF growth 1Y-0.1%

OCF growth 3Y17.56%

OCF growth 5Y8.75%

INTERNATIONAL BANCSHARES CRP (IBOC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens