IBOC Stock Overview
International Bancshares Corporation, a financial holding company, provides commercial and retail banking services.
No risks detected for IBOC from our risk checks.
International Bancshares Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$43.48|
|52 Week High||US$46.67|
|52 Week Low||US$38.00|
|1 Month Change||4.07%|
|3 Month Change||8.48%|
|1 Year Change||3.62%|
|3 Year Change||16.63%|
|5 Year Change||7.09%|
|Change since IPO||1,013.58%|
Recent News & Updates
International Bancshares (NASDAQ:IBOC) Will Pay A Dividend Of $0.60
The board of International Bancshares Corporation ( NASDAQ:IBOC ) has announced that it will pay a dividend of $0.60...
International Bancshares GAAP EPS of $0.92
International Bancshares press release (NASDAQ:IBOC): Q2 GAAP EPS of $0.92. Total assets at June 30, 2022 were $16.3 billion compared to $16.0 billion at Dec. 31, 2021. Total net loans were $6.9 billion at June 30, 2022 compared to $7.1 billion at Dec. 31, 2021. Deposits were $12.9 billion at June 30, 2022 compared to $12.6 billion at Dec. 31, 2021.
Is Now The Time To Put International Bancshares (NASDAQ:IBOC) On Your Watchlist?
Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...
|IBOC||US Banks||US Market|
Return vs Industry: IBOC exceeded the US Banks industry which returned -24.8% over the past year.
Return vs Market: IBOC exceeded the US Market which returned -22.1% over the past year.
|IBOC Average Weekly Movement||3.2%|
|Banks Industry Average Movement||3.4%|
|Market Average Movement||6.9%|
|10% most volatile stocks in US Market||15.8%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: IBOC is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: IBOC's weekly volatility (3%) has been stable over the past year.
About the Company
International Bancshares Corporation, a financial holding company, provides commercial and retail banking services. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services.
International Bancshares Fundamentals Summary
|IBOC fundamental statistics|
Is IBOC overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|IBOC income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||3.58|
|Net Profit Margin||40.77%|
How did IBOC perform over the long term?See historical performance and comparison
2.8%Current Dividend Yield
Is IBOC undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for IBOC?
Other financial metrics that can be useful for relative valuation.
|What is IBOC's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does IBOC's PE Ratio compare to its peers?
|IBOC PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
FULT Fulton Financial
IBTX Independent Bank Group
TCBI Texas Capital Bancshares
IBOC International Bancshares
Price-To-Earnings vs Peers: IBOC is good value based on its Price-To-Earnings Ratio (12.2x) compared to the peer average (12.3x).
Price to Earnings Ratio vs Industry
How does IBOC's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: IBOC is expensive based on its Price-To-Earnings Ratio (12.2x) compared to the US Banks industry average (9.5x)
Price to Earnings Ratio vs Fair Ratio
What is IBOC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||12.2x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate IBOC's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of IBOC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: IBOC ($43.48) is trading below our estimate of fair value ($77.5)
Significantly Below Fair Value: IBOC is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is International Bancshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
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- Examine whether International Bancshares is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
How has International Bancshares performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: IBOC has high quality earnings.
Growing Profit Margin: IBOC's current net profit margins (40.8%) are lower than last year (41.8%).
Past Earnings Growth Analysis
Earnings Trend: IBOC's earnings have grown by 7.2% 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 (-4.8%) over the past year, making it difficult to compare to the Banks industry average (8.7%).
Return on Equity
High ROE: IBOC's Return on Equity (10.6%) is considered low.
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How is International Bancshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: IBOC's Assets to Equity ratio (7.8x) is low.
Allowance for Bad Loans: IBOC has a sufficient allowance for bad loans (7166%).
Low Risk Liabilities: 91% 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 (42%).
Low Risk Deposits: IBOC's Loans to Deposits ratio (53%) is appropriate.
Level of Bad Loans: IBOC has an appropriate level of bad loans (0%).
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What is International Bancshares's current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
|International Bancshares Dividend Yield vs Market|
|Company (International Bancshares)||2.8%|
|Market Bottom 25% (US)||1.6%|
|Market Top 25% (US)||4.6%|
|Industry Average (Banks)||3.4%|
|Analyst forecast in 3 Years (International Bancshares)||n/a|
Notable Dividend: IBOC's dividend (2.76%) is higher than the bottom 25% of dividend payers in the US market (1.67%).
High Dividend: IBOC's dividend (2.76%) is low compared to the top 25% of dividend payers in the US market (4.69%).
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
Earnings Coverage: With its reasonably low payout ratio (34.1%), 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 or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
International Bancshares has no CEO, or we have no data on them.
Experienced Management: IBOC's management team is seasoned and experienced (9.8 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.
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
International Bancshares Corporation's employee growth, exchange listings and data sources
- Name: International Bancshares Corporation
- Ticker: IBOC
- Exchange: NasdaqGS
- Founded: 1966
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$2.706b
- Shares outstanding: 62.24m
- Website: https://www.ibc.com
Number of Employees
- International Bancshares Corporation
- 1200 San Bernardo Avenue
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|IBOC||NasdaqGS (Nasdaq Global Select)||Yes||Common Shares||US||USD||Aug 1995|
|IB4||DB (Deutsche Boerse AG)||Yes||Common Shares||DE||EUR||Aug 1995|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/28 00:00|
|End of Day Share Price||2022/09/28 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.