(IBOC) International Bancshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 4.459m USD | Total Return: 18% in 12m
Avg Turnover: 18.5M
EPS Trend: 66.8%
Rev. Trend: 88.4%
Warnings
Choppy
Tailwinds
No distinct edge detected
International Bancshares Corporation (IBOC) is a multibank financial holding company headquartered in Laredo, Texas. Founded in 1966, the organization operates a network of retail and commercial banking facilities across Texas and Oklahoma. Its primary business model involves capturing low-cost deposits to fund a diverse loan portfolio, including commercial, real estate, and consumer installment loans.
The company distinguishes itself through a significant focus on international banking services, specifically catering to cross-border trade between the United States and Mexico. As a regional bank, IBOC’s profitability is heavily influenced by the net interest margin, which is the spread between the interest income generated from loans and the interest paid to depositors. Historical performance in this sector often correlates with the economic health of the specific geographic regions served.
Investors can evaluate the company’s valuation metrics and historical dividend trends further on ValueRay. The firm also provides ancillary services such as foreign exchange, letters of credit, and securities products through third-party providers to maintain a comprehensive suite of financial offerings for its regional client base.
- Net interest margin expansion driven by sustained high federal funds rates
- Cross-border trade volume fluctuations between United States and Mexico
- Commercial real estate loan performance within Texas and Oklahoma markets
- Non-interest income growth from international banking and foreign exchange services
- Efficiency ratio improvements through streamlined retail branch and ATM operations
| Net Income: 417.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -0.01 > 1.0 |
| NWC/Revenue: 5.31% < 20% (prev -1.19k%; Δ 1.20k% < -1%) |
| CFO/TA 0.03 > 3% & CFO 471.3m > Net Income 417.6m |
| Net Debt (138.1m) to EBITDA (552.5m): 0.25 < 3 |
| Current Ratio: 1.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (62.2m) vs 12m ago -0.10% < -2% |
| Gross Margin: 78.89% > 18% (prev 0.77%; Δ 7.81k% > 0.5%) |
| Asset Turnover: 6.42% > 50% (prev 6.39%; Δ 0.03% > 0%) |
| Interest Coverage Ratio: 2.52 > 6 (EBITDA TTM 552.5m / Interest Expense TTM 209.4m) |
| A: 0.00 (Total Current Assets 661.3m - Total Current Liabilities 604.9m) / Total Assets 16.8b |
| B: 0.22 (Retained Earnings 3.74b / Total Assets 16.8b) |
| C: 0.03 (EBIT TTM 528.6m / Avg Total Assets 16.5b) |
| D: 0.26 (Book Value of Equity 3.57b / Total Liabilities 13.5b) |
| Altman-Z'' = 1.24 = BB |
| DSRI: 1.02 (Receivables 75.3m/72.0m, Revenue 1.06b/1.04b) |
| GMI: 0.98 (GM 78.89% / 77.28%) |
| AQI: 1.00 (AQ_t 0.94 / AQ_t-1 0.93) |
| SGI: 1.02 (Revenue 1.06b / 1.04b) |
| TATA: -0.00 (NI 417.6m - CFO 471.3m) / TA 16.8b) |
| Beneish M = -3.01 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 71.82 with a total of 308,110 shares traded.
Over the past week, the price has changed by +2.75%,
over one month by +2.35%,
over three months by +6.50% and
over the past year by +17.97%.
International Bancshares has no consensus analysts rating.
P/E Forward = 9.8135
P/S = 5.3234
P/B = 1.3395
P/EG = 0.9812
Revenue TTM = 1.06b USD
EBIT TTM = 528.6m USD
EBITDA TTM = 552.5m USD
Long Term Debt = 119.1m USD (from longTermDebt, last quarter)
Short Term Debt = 604.9m USD (from shortTermDebt, last quarter)
Debt = 724.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 138.1m USD (calculated: Debt 724.0m - CCE 585.9m)
Enterprise Value = 4.60b USD (4.46b + Debt 724.0m - CCE 585.9m)
Interest Coverage Ratio = 2.52 (Ebit TTM 528.6m / Interest Expense TTM 209.4m)
EV/FCF = 10.79x (Enterprise Value 4.60b / FCF TTM 426.1m)
FCF Yield = 9.27% (FCF TTM 426.1m / Enterprise Value 4.60b)
FCF Margin = 40.12% (FCF TTM 426.1m / Revenue TTM 1.06b)
Net Margin = 39.31% (Net Income TTM 417.6m / Revenue TTM 1.06b)
Gross Margin = 78.89% ((Revenue TTM 1.06b - Cost of Revenue TTM 224.2m) / Revenue TTM)
Gross Margin QoQ = 79.79% (prev 78.59%)
Tobins Q-Ratio = 0.27 (Enterprise Value 4.60b / Total Assets 16.8b)
Interest Expense / Debt = 28.92% (Interest Expense 209.4m / Debt 724.0m)
Taxrate = 21.02% (27.2m / 129.4m)
NOPAT = 417.5m (EBIT 528.6m * (1 - 21.02%))
Current Ratio = 0.05 (Total Current Assets 661.3m / Total Current Liabilities 12.5b)
Debt / Equity = 0.22 (Debt 724.0m / totalStockholderEquity, last quarter 3.29b)
Debt / EBITDA = 0.25 (Net Debt 138.1m / EBITDA 552.5m)
Debt / FCF = 0.32 (Net Debt 138.1m / FCF TTM 426.1m)
Total Stockholder Equity = 3.17b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.52% (Net Income 417.6m / Total Assets 16.8b)
RoE = 13.16% (Net Income TTM 417.6m / Total Stockholder Equity 3.17b)
RoCE = 16.06% (EBIT 528.6m / Capital Employed (Equity 3.17b + L.T.Debt 119.1m))
RoIC = 2.48% (NOPAT 417.5m / Invested Capital 16.8b)
WACC = 11.09% (E(4.46b)/V(5.18b) * Re(9.18%) + D(724.0m)/V(5.18b) * Rd(28.92%) * (1-Tc(0.21)))
Discount Rate = 9.18% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 0.0 | Cagr: 0.03%
[DCF] Terminal Value 66.98% ; FCFF base≈420.9m ; Y1≈433.7m ; Y5≈483.8m
[DCF] Fair Price = 79.73 (EV 5.10b - Net Debt 138.1m = Equity 4.96b / Shares 62.2m; r=11.09% [WACC]; 5y FCF grow 3.15% → 2.50% )
EPS Correlation: 66.76 | EPS CAGR: 1.46% | SUE: N/A | # QB: 0
Revenue Correlation: 88.40 | Revenue CAGR: 5.70% | SUE: N/A | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.61 | Chg30d=-4.17% | Revisions=-20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=1.65 | Chg30d=-1.20% | Revisions=-20% | Analysts=1
EPS current Year (2026-12-31): EPS=6.52 | Chg30d=-3.26% | Revisions=-20% | GrowthEPS=-1.5% | GrowthRev=+0.0%
EPS next Year (2027-12-31): EPS=6.60 | Chg30d=-7.17% | Revisions=+20% | GrowthEPS=+1.2% | GrowthRev=+0.0%