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 398 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.

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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.

Each year in the past 5 years IBOC has 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 2.60%, IBOC belongs to the best of the industry, outperforming 98.24% of the companies in the same industry.

IBOC's Return On Equity of 14.63% is amongst the best of the industry. IBOC outperforms 90.20% 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

Looking at the Profit Margin, with a value of 49.08%, IBOC belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.

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)	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.

IBOC has more shares outstanding than it did 1 year ago.

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

IBOC has a debt to FCF ratio of 1.40. This is a very positive value and a sign of high solvency as it would only need 1.40 years to pay back of all of its debts.

With a decent Debt to FCF ratio value of 1.40, IBOC is doing good in the industry, outperforming 66.08% of the companies in the same industry.

IBOC has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.

IBOC has a Debt to Equity ratio (0.23) which is in line with its industry peers.

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

ROIC/WACCN/A

WACC11.31%

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.

IBOC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.21% yearly.

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

Based on the Price/Earnings ratio of 9.37, the valuation of IBOC can be described as reasonable.

Based on the Price/Earnings ratio, IBOC is valued cheaply inside the industry as 81.66% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of IBOC to the average of the S&P500 Index (28.92), we can say IBOC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.37
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 74.87% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.33
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.58

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

IBOC has a Yearly Dividend Yield of 2.37%. Purely for dividend investing, there may be better candidates out there.

IBOC's Dividend Yield is slightly below the industry average, which is at 3.63.

Compared to an average S&P500 Dividend Yield of 2.51, IBOC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.37%

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

5.3 Sustainability

IBOC pays out 20.06% of its income as dividend. This is a sustainable payout ratio.

The dividend of IBOC is growing, but earnings are growing more, so the dividend growth is sustainable.

DP20.06%

EPS Next 2YN/A

EPS Next 3YN/A

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INTERNATIONAL BANCSHARES CRP

NASDAQ:IBOC (4/24/2025, 8:16:34 PM)

After market: 61.56 0 (0%)

61.56

+0.17 (+0.28%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-20 2025-02-20

Earnings (Next)05-01 2025-05-01

Inst Owners69.24%

Inst Owner Change0.56%

Ins Owners13.9%

Ins Owner Change-0.32%

Market Cap3.83B

Analysts0

Price TargetN/A

Short Float %1.91%

Short Ratio2.99

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.37%

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	9.37
Fwd PE	N/A
P/S	4.59
P/FCF	8.33
P/OCF	8.08
P/B	1.37
P/tB	1.52
EV/EBITDA	N/A

EPS(TTM)6.57

EY10.67%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)7.39

FCFY12%

OCF(TTM)7.62

OCFY12.37%

SpS13.4

BVpS44.95

TBVpS40.41

PEG (NY)N/A

PEG (5Y)0.58

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

WACC11.31%

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

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