INTERNATIONAL BANCSHARES CRP (IBOC) Fundamental Analysis & Valuation

NASDAQ:IBOC • US4590441030

Current stock price

71.68 USD
+0.37 (+0.52%)
At close:
71.68 USD
0 (0%)
After Hours:

This IBOC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. IBOC Profitability Analysis

1.1 Basic Checks

  • In the past year IBOC was profitable.
  • 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.
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 2025 100M 200M 300M 400M

1.2 Ratios

  • IBOC has a Return On Assets of 2.49%. This is amongst the best in the industry. IBOC outperforms 98.94% of its industry peers.
  • With an excellent Return On Equity value of 12.68%, IBOC belongs to the best of the industry, outperforming 84.84% of the companies in the same industry.
Industry RankSector Rank
ROA 2.49%
ROE 12.68%
ROIC N/A
ROA(3y)2.61%
ROA(5y)2.27%
ROE(3y)14.71%
ROE(5y)13.96%
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 2025 5 10 15

1.3 Margins

  • The Profit Margin of IBOC (48.96%) is better than 99.47% 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 RankSector Rank
OM N/A
PM (TTM) 48.96%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.24%
PM growth 5Y9.52%
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 2025 10 20 30 40

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3

2. IBOC Health Analysis

2.1 Basic Checks

  • IBOC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for IBOC remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, IBOC has less shares outstanding
  • IBOC has a worse debt/assets ratio than last year.
IBOC Yearly Shares OutstandingIBOC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 5B 10B 15B

2.2 Solvency

  • IBOC has a debt to FCF ratio of 1.47. This is a very positive value and a sign of high solvency as it would only need 1.47 years to pay back of all of its debts.
  • IBOC has a Debt to FCF ratio (1.47) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.21 indicates that IBOC is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.21, IBOC perfoms like the industry average, outperforming 41.22% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 1.47
Altman-Z N/A
ROIC/WACCN/A
WACC11.13%
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 2025 1B 2B 3B

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 2025 100M 200M 300M 400M 500M

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4

3. IBOC Growth Analysis

3.1 Past

  • IBOC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.83%.
  • IBOC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.38% yearly.
  • IBOC shows a small growth in Revenue. In the last year, the Revenue has grown by 1.02%.
  • Measured over the past years, IBOC shows a quite strong growth in Revenue. The Revenue has been growing by 9.36% on average per year.
EPS 1Y (TTM)0.83%
EPS 3Y11.48%
EPS 5Y20.38%
EPS Q2Q%-7.01%
Revenue 1Y (TTM)1.02%
Revenue growth 3Y7.67%
Revenue growth 5Y9.36%
Sales Q2Q%4.54%

3.2 Future

  • Based on estimates for the next years, IBOC will show a small growth in Earnings Per Share. The EPS will grow by 4.11% on average per year.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y3.06%
EPS Next 2Y4.27%
EPS Next 3Y4.11%
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 2025 200M 400M 600M 800M
IBOC Yearly EPS VS EstimatesIBOC Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 2028 2 4 6

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5

4. IBOC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.83, 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 70.48% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 27.15, IBOC is valued rather cheaply.
  • A Price/Forward Earnings ratio of 10.43 indicates a reasonable valuation of IBOC.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of IBOC is on the same level as its industry peers.
  • IBOC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.12, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.83
Fwd PE 10.43
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

  • Based on the Price/Free Cash Flow ratio, IBOC is valued a bit cheaper than 77.13% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.42
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 an expensive valuation of the company.
PEG (NY)3.54
PEG (5Y)0.53
EPS Next 2Y4.27%
EPS Next 3Y4.11%

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

4

5. IBOC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.02%, IBOC has a reasonable but not impressive dividend return.
  • IBOC's Dividend Yield is slightly below the industry average, which is at 2.53.
  • Compared to an average S&P500 Dividend Yield of 1.82, IBOC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.02%

5.2 History

  • The dividend of IBOC has a limited annual growth rate of 5.09%.
  • IBOC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)5.09%
Div Incr Years0
Div Non Decr Years0
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 21.12% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of IBOC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP21.12%
EPS Next 2Y4.27%
EPS Next 3Y4.11%
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 2025 100M 200M 300M 400M
IBOC Dividend Payout.IBOC Dividend Payout, showing the Payout Ratio.IBOC Dividend Payout.PayoutRetained Earnings

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IBOC Fundamentals: All Metrics, Ratios and Statistics

INTERNATIONAL BANCSHARES CRP

NASDAQ:IBOC (4/27/2026, 4:42:54 PM)

After market: 71.68 0 (0%)

71.68

+0.37 (+0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-26
Earnings (Next)05-04
Inst Owners71.64%
Inst Owner Change-0.44%
Ins Owners13.44%
Ins Owner Change0.04%
Market Cap4.46B
Revenue(TTM)842.17M
Net Income(TTM)412.29M
Analysts82.86
Price Target88.74 (23.8%)
Short Float %2.6%
Short Ratio3.2
Dividend
Industry RankSector Rank
Dividend Yield 2.02%
Yearly Dividend1.4
Dividend Growth(5Y)5.09%
DP21.12%
Div Incr Years0
Div Non Decr Years0
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)2.35%
PT rev (3m)2.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.59%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
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 10.83
Fwd PE 10.43
P/S 5.29
P/FCF 9.42
P/OCF 9.08
P/B 1.37
P/tB 1.5
EV/EBITDA N/A
EPS(TTM)6.62
EY9.24%
EPS(NY)6.87
Fwd EY9.59%
FCF(TTM)7.61
FCFY10.61%
OCF(TTM)7.9
OCFY11.02%
SpS13.54
BVpS52.29
TBVpS47.75
PEG (NY)3.54
PEG (5Y)0.53
Graham Number88.2564 (23.13%)
Profitability
Industry RankSector Rank
ROA 2.49%
ROE 12.68%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 48.96%
GM N/A
FCFM 56.16%
ROA(3y)2.61%
ROA(5y)2.27%
ROE(3y)14.71%
ROE(5y)13.96%
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 3Y3.24%
PM growth 5Y9.52%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 1.47
Debt/EBITDA N/A
Cap/Depr 77.61%
Cap/Sales 2.15%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 114.71%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC11.13%
ROIC/WACCN/A
Cap/Depr(3y)88.57%
Cap/Depr(5y)79.08%
Cap/Sales(3y)2.38%
Cap/Sales(5y)2.35%
Profit Quality(3y)111.88%
Profit Quality(5y)113.85%
High Growth Momentum
Growth
EPS 1Y (TTM)0.83%
EPS 3Y11.48%
EPS 5Y20.38%
EPS Q2Q%-7.01%
EPS Next Y3.06%
EPS Next 2Y4.27%
EPS Next 3Y4.11%
EPS Next 5YN/A
Revenue 1Y (TTM)1.02%
Revenue growth 3Y7.67%
Revenue growth 5Y9.36%
Sales Q2Q%4.54%
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 1Y2.86%
FCF growth 3Y8.65%
FCF growth 5Y9.65%
OCF growth 1Y3.61%
OCF growth 3Y8.18%
OCF growth 5Y9.99%

INTERNATIONAL BANCSHARES CRP / IBOC Fundamental Analysis 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.


What is the profitability of IBOC stock?

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


What is the valuation of INTERNATIONAL BANCSHARES CRP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for INTERNATIONAL BANCSHARES CRP (IBOC) is 10.83 and the Price/Book (PB) ratio is 1.37.


How financially healthy is INTERNATIONAL BANCSHARES CRP?

The financial health rating of INTERNATIONAL BANCSHARES CRP (IBOC) is 3 / 10.