INTERNATIONAL BANCSHARES CRP (IBOC) Stock Fundamental Analysis

NASDAQ:IBOC • US4590441030

68.86 USD
+0.52 (+0.76%)
At close: Feb 24, 2026
68.86 USD
0 (0%)
After Hours: 2/24/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to IBOC. IBOC was compared to 379 industry peers in the Banks industry. There are concerns on the financial health of IBOC while its profitability can be described as average. IBOC is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

5

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.
  • IBOC had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

  • With an excellent Return On Assets value of 2.54%, IBOC belongs to the best of the industry, outperforming 99.21% of the companies in the same industry.
  • IBOC has a better Return On Equity (13.44%) than 89.18% of its industry peers.
Industry RankSector 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
IBOC Yearly ROA, ROE, ROICIBOC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • IBOC has a Profit Margin of 50.50%. 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 RankSector 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
IBOC Yearly Profit, Operating, Gross MarginsIBOC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • Compared to 5 years ago, IBOC has less shares outstanding
  • Compared to 1 year ago, IBOC has an improved debt to assets ratio.
IBOC Yearly Shares OutstandingIBOC Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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.
  • IBOC has a Debt to FCF ratio of 1.71. This is comparable to the rest of the industry: IBOC outperforms 53.03% of its industry peers.
  • A Debt/Equity ratio of 0.25 indicates that IBOC is not too dependend on debt financing.
  • IBOC's Debt to Equity ratio of 0.25 is on the low side compared to the rest of the industry. IBOC is outperformed by 62.27% 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 0.25
Debt/FCF 1.71
Altman-Z N/A
ROIC/WACCN/A
WACC10.78%
IBOC Yearly LT Debt VS Equity VS FCFIBOC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 4.98% 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.
  • The Revenue has decreased by -0.44% in the past year.
  • Measured over the past years, IBOC shows a small growth in Revenue. The Revenue has been growing by 7.21% on average per year.
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

  • IBOC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.63% yearly.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y1.57%
EPS Next 2Y2.31%
EPS Next 3Y2.63%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
IBOC Yearly EPS VS EstimatesIBOC Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 2 4 6

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • IBOC is valuated reasonably with a Price/Earnings ratio of 10.20.
  • IBOC's Price/Earnings ratio is rather cheap when compared to the industry. IBOC is cheaper than 80.21% of the companies in the same industry.
  • IBOC is valuated cheaply when we compare the Price/Earnings ratio to 26.98, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 10.02, the valuation of IBOC can be described as very reasonable.
  • IBOC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. IBOC is cheaper than 63.85% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, IBOC is valued rather cheaply.
Industry RankSector Rank
PE 10.2
Fwd PE 10.02
IBOC Price Earnings VS Forward Price EarningsIBOC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • IBOC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. IBOC is cheaper than 73.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.44
EV/EBITDA N/A
IBOC Per share dataIBOC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates IBOC does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)6.51
PEG (5Y)0.64
EPS Next 2Y2.31%
EPS Next 3Y2.63%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.04%, IBOC has a reasonable but not impressive dividend return.
  • IBOC's Dividend Yield is slightly below the industry average, which is at 2.74.
  • IBOC's Dividend Yield is comparable with the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.04%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • IBOC pays out 20.70% of its income as dividend. This is a sustainable payout ratio.
  • IBOC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP20.7%
EPS Next 2Y2.31%
EPS Next 3Y2.63%
IBOC Yearly Income VS Free CF VS DividendIBOC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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

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INTERNATIONAL BANCSHARES CRP

NASDAQ:IBOC (2/24/2026, 8:00:02 PM)

After market: 68.86 0 (0%)

68.86

+0.52 (+0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-05
Earnings (Next)02-25
Inst Owners70.93%
Inst Owner Change-0.39%
Ins Owners13.44%
Ins Owner Change0.04%
Market Cap4.28B
Revenue(TTM)832.72M
Net Income(TTM)420.49M
Analysts82.86
Price Target86.7 (25.91%)
Short Float %2.47%
Short Ratio4.63
Dividend
Industry RankSector Rank
Dividend Yield 2.04%
Yearly Dividend1.32
Dividend Growth(5Y)4.72%
DP20.7%
Div Incr Years15
Div Non Decr Years15
Ex-Date02-13
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)0%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
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 10.2
Fwd PE 10.02
P/S 5.14
P/FCF 9.44
P/OCF 9.19
P/B 1.37
P/tB 1.5
EV/EBITDA N/A
EPS(TTM)6.75
EY9.8%
EPS(NY)6.87
Fwd EY9.98%
FCF(TTM)7.3
FCFY10.59%
OCF(TTM)7.5
OCFY10.89%
SpS13.4
BVpS50.32
TBVpS45.77
PEG (NY)6.51
PEG (5Y)0.64
Graham Number87.42
Profitability
Industry RankSector 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 RankSector 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
WACC10.78%
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 Y1.57%
EPS Next 2Y2.31%
EPS Next 3Y2.63%
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.


What is the valuation status of INTERNATIONAL BANCSHARES CRP (IBOC) stock?

ChartMill assigns a valuation rating of 5 / 10 to INTERNATIONAL BANCSHARES CRP (IBOC). This can be considered as Fairly Valued.


Can you provide the profitability details for INTERNATIONAL BANCSHARES CRP?

INTERNATIONAL BANCSHARES CRP (IBOC) has a profitability rating of 5 / 10.


What is the expected EPS growth for INTERNATIONAL BANCSHARES CRP (IBOC) stock?

The Earnings per Share (EPS) of INTERNATIONAL BANCSHARES CRP (IBOC) is expected to grow by 1.57% in the next year.


How sustainable is the dividend of INTERNATIONAL BANCSHARES CRP (IBOC) stock?

The dividend rating of INTERNATIONAL BANCSHARES CRP (IBOC) is 5 / 10 and the dividend payout ratio is 20.7%.