INTERNATIONAL BANCSHARES CRP (IBOC) Stock Fundamental Analysis
USA - NASDAQ:IBOC - US4590441030 - Common Stock
66.38 USD
+0.22 (+0.33%)
66.38 USD
0 (0%)
IBOC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. IBOC has a medium profitability rating, but doesn't score so well on its financial health evaluation. IBOC is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
IBOC had positive earnings in the past year.
In the past year IBOC had a positive cash flow from operations.
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's Return On Assets of 2.50% is amongst the best of the industry. IBOC outperforms 98.72% of its industry peers.
The Return On Equity of IBOC (13.63%) is better than 90.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.5% | ||
| ROE | 13.63% | ||
| 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 better Profit Margin (49.84%) than 100.00% of its industry peers.
In the last couple of years the Profit Margin of IBOC has grown nicely.
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) | 49.84% | ||
| 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
Compared to 5 years ago, IBOC has less shares outstanding
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 1.61, which is an excellent value as it means it would take IBOC, only 1.61 years of fcf income to pay off all of its debts.
IBOC's Debt to FCF ratio of 1.61 is in line compared to the rest of the industry. IBOC outperforms 55.64% of its industry peers.
IBOC has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.24, IBOC is not doing good in the industry: 62.56% of the companies in the same industry are doing better.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 1.61 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.92%
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 2.04%.
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.
Looking at the last year, IBOC shows a decrease in Revenue. The Revenue has decreased by -1.30% in the last year.
The Revenue has been growing slightly by 7.21% on average over the past years.
EPS 1Y (TTM)2.04%
EPS 3Y17.97%
EPS 5Y16.05%
EPS Q2Q%3.36%
Revenue 1Y (TTM)-1.3%
Revenue growth 3Y11.99%
Revenue growth 5Y7.21%
Sales Q2Q%0.2%
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 10.04, which indicates a very decent valuation of IBOC.
Based on the Price/Earnings ratio, IBOC is valued a bit cheaper than the industry average as 71.28% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of IBOC to the average of the S&P500 Index (26.10), we can say IBOC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.04 | ||
| 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 72.31% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.15 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.63
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
IBOC has a Yearly Dividend Yield of 2.12%.
Compared to an average industry Dividend Yield of 3.45, IBOC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.35, IBOC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.12% |
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 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 20.54% 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.
DP20.54%
EPS Next 2YN/A
EPS Next 3YN/A
66.38
+0.22 (+0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners70.46%
Inst Owner Change-0.15%
Ins Owners13.44%
Ins Owner Change0.04%
Market Cap4.13B
Revenue(TTM)826.42M
Net Income(TTM)411.89M
Analysts0
Price TargetN/A
Short Float %2.04%
Short Ratio5.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.12% |
Yearly Dividend1.32
Dividend Growth(5Y)4.72%
DP20.54%
Div Incr Years15
Div Non Decr Years15
Ex-Date
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 | 10.04 | ||
| Fwd PE | N/A | ||
| P/S | 4.99 | ||
| P/FCF | 9.15 | ||
| P/OCF | 8.83 | ||
| P/B | 1.37 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.61
EY9.96%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)7.25
FCFY10.93%
OCF(TTM)7.52
OCFY11.33%
SpS13.3
BVpS48.62
TBVpS44.07
PEG (NY)N/A
PEG (5Y)0.63
Graham Number85.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.5% | ||
| ROE | 13.63% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 49.84% | ||
| GM | N/A | ||
| FCFM | 54.55% |
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-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 1.61 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 74.09% | ||
| Cap/Sales | 2% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 109.45% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC10.92%
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)2.04%
EPS 3Y17.97%
EPS 5Y16.05%
EPS Q2Q%3.36%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.3%
Revenue growth 3Y11.99%
Revenue growth 5Y7.21%
Sales Q2Q%0.2%
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 1Y5.35%
FCF growth 3Y17.8%
FCF growth 5Y10.27%
OCF growth 1Y4.22%
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.
Can you provide the valuation status for INTERNATIONAL BANCSHARES CRP?
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.
Can you provide the PE and PB ratios for IBOC stock?
The Price/Earnings (PE) ratio for INTERNATIONAL BANCSHARES CRP (IBOC) is 10.04 and the Price/Book (PB) ratio is 1.37.
Is the dividend of INTERNATIONAL BANCSHARES CRP sustainable?
The dividend rating of INTERNATIONAL BANCSHARES CRP (IBOC) is 6 / 10 and the dividend payout ratio is 20.54%.