INTERNATIONAL BANCSHARES CRP (IBOC)
US4590441030 - Common Stock
Overall IBOC gets a fundamental rating of 4 out of 10. We evaluated IBOC against 411 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 valied quite expensively at the moment, while it does show a decent growth rate.
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.
IBOC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of IBOC (2.73%) is better than 98.30% of its industry peers.
IBOC has a better Return On Equity (16.82%) than 94.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.73% | ||
| ROE | 16.82% | ||
| ROIC | N/A |
ROA(3y)2.08%
ROA(5y)1.83%
ROE(3y)14.17%
ROE(5y)11.97%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
IBOC's Profit Margin of 49.40% is amongst the best of the industry. IBOC outperforms 98.54% of its industry peers.
In the last couple of years the Profit Margin of IBOC has grown nicely.
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) | 49.4% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.72%
PM growth 5Y5.76%
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 about the same amount of shares outstanding.
Compared to 5 years ago, IBOC has less shares outstanding
The debt/assets ratio for IBOC is higher compared to a year ago.
2.2 Solvency
IBOC has a debt to FCF ratio of 1.43. This is a very positive value and a sign of high solvency as it would only need 1.43 years to pay back of all of its debts.
The Debt to FCF ratio of IBOC (1.43) is better than 68.86% of its industry peers.
IBOC has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
IBOC has a Debt to Equity ratio (0.26) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.43 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.55%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IBOC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.00%, which is quite impressive.
The Earnings Per Share has been growing by 15.35% on average over the past years. This is quite good.
The Revenue has grown by 23.54% in the past year. This is a very strong growth!
Measured over the past years, IBOC shows a small growth in Revenue. The Revenue has been growing by 7.59% on average per year.
EPS 1Y (TTM)38%
EPS 3Y36.19%
EPS 5Y15.35%
EPS growth Q2Q1.19%
Revenue 1Y (TTM)23.54%
Revenue growth 3Y15.67%
Revenue growth 5Y7.59%
Revenue growth Q2Q2.79%
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
The Price/Earnings ratio is 8.47, which indicates a very decent valuation of IBOC.
66.91% of the companies in the same industry are more expensive than IBOC, based on the Price/Earnings ratio.
IBOC is valuated cheaply when we compare the Price/Earnings ratio to 25.20, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.47 | ||
| Fwd PE | N/A |
4.2 Price Multiples
IBOC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. IBOC is cheaper than 62.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.79 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.55
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
IBOC has a Yearly Dividend Yield of 2.51%.
IBOC's Dividend Yield is slightly below the industry average, which is at 3.86.
Compared to an average S&P500 Dividend Yield of 2.44, IBOC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.51% |
5.2 History
The dividend of IBOC is nicely growing with an annual growth rate of 10.91%!
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)10.91%
Div Incr Years15
Div Non Decr Years15
5.3 Sustainability
IBOC pays out 19.00% of its income as dividend. This is a sustainable payout ratio.
IBOC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19%
EPS Next 2YN/A
EPS Next 3YN/A
INTERNATIONAL BANCSHARES CRP
NASDAQ:IBOC (4/25/2024, 7:00:01 PM)
After market: 55.97 0 (0%)55.97
-0.29 (-0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.48B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.51% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.47 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.55
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.73% | ||
| ROE | 16.82% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 49.4% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)38%
EPS 3Y36.19%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)23.54%
Revenue growth 3Y15.67%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y