International Bancshares Corporation, a multibank financial holding company, provides commercial and retail banking services. More Details
No risks detected for IBOC from our risk checks.
Flawless balance sheet average dividend payer.
Share Price & News
How has International Bancshares's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: IBOC is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: IBOC's weekly volatility (4%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: IBOC underperformed the US Banks industry which returned 59.1% over the past year.
Return vs Market: IBOC underperformed the US Market which returned 35.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is International Bancshares's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StDo Institutions Own International Bancshares Corporation (NASDAQ:IBOC) Shares?
1 month ago | Simply Wall StInternational Bancshares (NASDAQ:IBOC) Has Compensated Shareholders With A Respectable 92% Return On Their Investment
2 months ago | Simply Wall StWe Discuss Why International Bancshares Corporation's (NASDAQ:IBOC) CEO May Deserve A Higher Pay Packet
Is International Bancshares undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: IBOC ($39.08) is trading below our estimate of fair value ($51.49)
Significantly Below Fair Value: IBOC is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: IBOC is poor value based on its PE Ratio (13.5x) compared to the US Banks industry average (10.7x).
PE vs Market: IBOC is good value based on its PE Ratio (13.5x) compared to the US market (18.1x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate IBOC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: IBOC's PB Ratio (1.1x) is in line with the US Banks industry average.
How is International Bancshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as International Bancshares has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has International Bancshares performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: IBOC has high quality earnings.
Growing Profit Margin: IBOC's current net profit margins (36.8%) are higher than last year (34%).
Past Earnings Growth Analysis
Earnings Trend: IBOC's earnings have grown by 7.8% per year over the past 5 years.
Accelerating Growth: IBOC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: IBOC had negative earnings growth (-2.5%) over the past year, making it difficult to compare to the Banks industry average (35%).
Return on Equity
High ROE: IBOC's Return on Equity (8.4%) is considered low.
How is International Bancshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: IBOC's Assets to Equity ratio (6.8x) is low.
Allowance for Bad Loans: IBOC has a sufficient allowance for bad loans (3745%).
Low Risk Liabilities: 90% of IBOC's liabilities are made up of primarily low risk sources of funding.
Loan Level: IBOC has an appropriate level of Loans to Assets ratio (49%).
Low Risk Deposits: IBOC's Loans to Deposits ratio (64%) is appropriate.
Level of Bad Loans: IBOC has an appropriate level of bad loans (0%).
What is International Bancshares's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: IBOC's dividend (2.81%) is higher than the bottom 25% of dividend payers in the US market (1.31%).
High Dividend: IBOC's dividend (2.81%) is low compared to the top 25% of dividend payers in the US market (3.55%).
Stability and Growth of Payments
Stable Dividend: IBOC's dividends per share have been stable in the past 10 years.
Growing Dividend: IBOC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (38%), IBOC's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dennis Nixon (78 yo)
Mr. Dennis Edward Nixon is Chairman at International Bancshares Corporation since 1992 and has been its President since 1979 and Director since 1975. Mr. Nixon served as Chief Financial Officer at Internat...
CEO Compensation Analysis
Compensation vs Market: Dennis's total compensation ($USD2.14M) is below average for companies of similar size in the US market ($USD5.32M).
Compensation vs Earnings: Dennis's compensation has been consistent with company performance over the past year.
Experienced Management: IBOC's management team is seasoned and experienced (8.7 years average tenure).
Experienced Board: IBOC's board of directors are considered experienced (9.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
International Bancshares Corporation's company bio, employee growth, exchange listings and data sources
- Name: International Bancshares Corporation
- Ticker: IBOC
- Exchange: NasdaqGS
- Founded: 1966
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$2.476b
- Shares outstanding: 63.36m
- Website: https://www.ibc.com
Number of Employees
- International Bancshares Corporation
- 1200 San Bernardo Avenue
- United States
International Bancshares Corporation, a multibank financial holding company, provides commercial and retail banking services. It accepts checking and saving deposits; and offers commercial, real estate, pe...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/08/01 22:03|
|End of Day Share Price||2021/07/30 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.