International Bancshares (IBOC) AI Stock Analysis

• Market Cap: $3.91B
• Dividend Yield: 2.14%
• Average Volume (3M): 230.43K
• Price to Earnings (P/E): 9.6
• Beta (1Y): 0.94
• Revenue Growth: 4.24%
• EPS Growth: 0.38%
• Country: US
• Employees: 2,103
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 1.55
• Shares Outstanding: 62,141,937
• 10 Day Avg. Volume: 172,692
• 30 Day Avg. Volume: 230,425
• PEG Ratio: -0.40
• Price to Book (P/B): 1.34
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 11.53
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 80 Outperform
• Price Target: ―

International Bancshares Corporation shows strong financial performance and attractive valuation, supported by solid corporate actions like stock buybacks and dividend increases. The technical analysis indicates potential for further positive movement, although some fluctuation in cash flow growth and operational profit transparency need monitoring. Overall, the stock is well-positioned with room for appreciation.

International Bancshares Business Overview & Revenue Model

Company Description

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. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. As of February 28, 2022, the company had 170 branch facilities and 263 ATMs serving 76 communities in Texas and Oklahoma. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.

How the Company Makes Money

International Bancshares Corporation generates revenue primarily through the interest income earned on loans and investment securities. The bank's loan portfolio, which includes commercial, real estate, and consumer loans, is a significant contributor to its interest earnings. Additionally, IBOC earns non-interest income through service charges on deposit accounts, fees from banking services such as wealth management and insurance, and gains from the sale of investment securities. The company also benefits from strategic partnerships and community engagements that enhance its service offerings and customer reach. IBOC's earnings are supported by its focus on efficient operations and risk management, ensuring sustainable financial performance in its competitive markets.

International Bancshares Financial Statement Overview

Summary

International Bancshares exhibits strong financial health with solid revenue growth, efficient cost management, and a prudent balance sheet. The cash flow remains robust, although there are fluctuations in free cash flow growth. Overall, the company is well-positioned financially with minor concerns in operational profit transparency.

Income Statement

International Bancshares has demonstrated strong revenue and profit growth. The gross profit margin has remained consistently high, indicating efficient cost management. However, EBIT and EBITDA margins were not applicable for the most recent year, which slightly affects transparency in operational profitability.

Balance Sheet

The company's balance sheet is robust with a low debt-to-equity ratio, indicating prudent financial leverage. The equity ratio is healthy, showing a solid capital structure. The high return on equity suggests efficient use of shareholder funds to generate profits.

Cash Flow

Cash flow performance is strong, with consistent free cash flow generation and a solid operating cash flow to net income ratio. However, the variability in free cash flow growth highlights potential fluctuations in cash generation capacity.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
930.87M	833.64M	974.09M	674.76M	593.60M	538.47M
	Gross Profit
877.45M	833.64M	974.09M	674.76M	593.60M	538.47M
	EBIT
381.63M	508.72M	525.81M	420.80M	322.33M	211.76M
	EBITDA
449.98M	531.24M	545.46M	404.46M	347.36M	0.00
	Net Income Common Stockholders
408.73M	409.17M	411.77M	300.23M	253.92M	167.32M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
0.00	5.34B	651.06M	6.51B	7.42B	5.08B
	Total Assets
0.00	15.74B	15.07B	15.50B	16.05B	14.03B
	Total Debt
0.00	119.41M	119.61M	145.59M	570.78M	570.97M
	Net Debt
0.00	-233.24M	-531.45M	-1.94B	-2.64B	-1.43B
	Total Liabilities
13.37B	12.94B	12.62B	13.46B	570.78M	570.97M
	Stockholders Equity
2.90B	2.80B	2.45B	2.04B	2.31B	2.18B
Cash Flow		Free Cash Flow
335.54M	459.80M	446.94M	368.73M	281.29M	298.41M
	Operating Cash Flow
343.15M	473.95M	474.43M	387.94M	291.68M	305.13M
	Investing Cash Flow
-906.03M	-985.06M	-1.07B	-992.03M	-915.89M	-343.70M
	Financing Cash Flow
378.21M	212.71M	-843.89M	-517.43M	1.84B	1.78B

International Bancshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 62.95
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IBOC, the sentiment is Neutral. The current price of 62.95 is below the 20-day moving average (MA) of 63.32, above the 50-day MA of 61.83, and below the 200-day MA of 63.28, indicating a neutral trend. The MACD of 0.89 indicates Positive momentum. The RSI at 49.59 is Neutral, neither overbought nor oversold. The STOCH value of 31.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IBOC.

International Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AX	80 Outperform	$3.93B	9.49	17.80%	―	15.93%	0.17%
IBOC	80 Outperform	$3.91B	9.60	15.20%	2.14%	4.24%	0.38%
AUB	71 Outperform	$4.18B	13.43	7.30%	4.48%	26.09%	-19.05%
ABCB	70 Neutral	$4.33B	11.66	10.19%	1.14%	9.14%	31.69%
BANF	69 Neutral	$4.12B	18.77	14.14%	1.44%	2.59%	7.66%
TFSL	67 Neutral	$3.79B	47.00	4.22%	8.38%	8.99%	3.89%
Sector *	64 Neutral	$12.66B	9.79	7.67%	17015.07%	12.23%	-6.06%

International Bancshares Corporate Events

International Bancshares Holds Annual Shareholders Meeting

On May 19, 2025, International Bancshares Corporation held its Annual Meeting of Shareholders where several proposals were voted on, including the election of eight directors, the ratification of RSM US LLP as the independent auditor for 2025, and a non-binding advisory resolution on executive compensation. All director nominees were elected, and the proposals regarding the auditor and executive compensation were approved by a majority vote. Additionally, shareholders preferred an annual advisory vote on executive compensation, which the Board of Directors will include in the 2026 meeting.

International Bancshares Announces $150 Million Stock Buyback

On March 12, 2025, International Bancshares Corporation’s Board of Directors approved a stock repurchase program, authorizing the buyback of up to $150 million of its common stock over a year starting March 15, 2025. This strategic move is likely aimed at enhancing shareholder value and could impact the company’s market positioning by potentially increasing stock value and investor confidence.