66.84 USD
+0.4 (+0.6%)
66.84 USD
0 (0%)
Taking everything into account, IBOC scores 4 out of 10 in our fundamental rating. IBOC was compared to 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.
IBOC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
IBOC has a better Return On Assets (2.54%) than 98.71% of its industry peers.
Looking at the Return On Equity, with a value of 13.44%, IBOC belongs to the top of the industry, outperforming 89.66% of the companies in the same industry.
| 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
The Profit Margin of IBOC (50.50%) is better 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.
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.
The debt/assets ratio for IBOC has been reduced compared to a year ago.
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's Debt to FCF ratio of 1.71 is in line compared to the rest of the industry. IBOC outperforms 52.97% of its industry peers.
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 63.05% 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
WACC10.97%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IBOC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.98%.
IBOC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.05% yearly.
IBOC shows a decrease in Revenue. In the last year, the revenue decreased by -0.44%.
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
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
IBOC is valuated reasonably with a Price/Earnings ratio of 9.90.
Compared to the rest of the industry, the Price/Earnings ratio of IBOC indicates a rather cheap valuation: IBOC is cheaper than 80.62% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.60, IBOC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.9 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, IBOC is valued a bit cheaper than the industry average as 70.54% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.16 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.62
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
IBOC has a Yearly Dividend Yield of 2.11%.
IBOC's Dividend Yield is slightly below the industry average, which is at 2.78.
Compared to an average S&P500 Dividend Yield of 1.94, 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
66.84
+0.4 (+0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners70.93%
Inst Owner Change0%
Ins Owners13.44%
Ins Owner Change0%
Market Cap4.15B
Revenue(TTM)832.72M
Net Income(TTM)420.49M
Analysts0
Price TargetN/A
Short Float %2.48%
Short Ratio5.03
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-DateN/A
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 | 9.9 | ||
| Fwd PE | N/A | ||
| P/S | 4.99 | ||
| P/FCF | 9.16 | ||
| P/OCF | 8.92 | ||
| P/B | 1.33 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.75
EY10.1%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)7.3
FCFY10.91%
OCF(TTM)7.5
OCFY11.22%
SpS13.4
BVpS50.32
TBVpS45.77
PEG (NY)N/A
PEG (5Y)0.62
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
WACC10.97%
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.
What is the valuation status of INTERNATIONAL BANCSHARES CRP (IBOC) stock?
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.
How sustainable is the dividend of INTERNATIONAL BANCSHARES CRP (IBOC) stock?
The dividend rating of INTERNATIONAL BANCSHARES CRP (IBOC) is 6 / 10 and the dividend payout ratio is 20.7%.