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International Bancshares (IBOC)
:IBOC
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International Bancshares
(NASDAQ:IBOC)
60Neutral
International Bancshares (IBOC) vs. S&P 500 (SPY)
Market Cap
$3.80B
Dividend Yield2.24%
Average Volume (3M)329.19K
Price to Earnings (P/E)9.2
Beta (1Y)1.14
Revenue Growth7.33%
EPS Growth-0.55%
CountryUS
Employees2,062
SectorFinancial
Sector Strength77
IndustryBanking
Share Statistics
EPS (TTM)6.57
Shares Outstanding62,215,830
10 Day Avg. Volume323,695
30 Day Avg. Volume329,185
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)4.53
Price to Cash Flow (P/CF)8.20
P/FCF Ratio5.80
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
International Bancshares Business Overview & Revenue Model
Company DescriptionInternational Bancshares Corporation (IBOC) is a financial holding company headquartered in Laredo, Texas. It operates primarily through its principal subsidiary, International Bank of Commerce (IBC), which provides a range of commercial and retail banking services. The company caters to the banking needs of individuals, businesses, and government entities, offering products and services such as personal and business checking accounts, savings accounts, loans, credit cards, and wealth management solutions. With a strong presence in the Texas and Oklahoma markets, IBOC focuses on community-oriented banking to serve the specific needs of its regional customer base.
How the Company Makes MoneyInternational 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.78
Positive
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.83
Very Positive
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.75
Positive
| Breakdown | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 833.64M | 974.09M | 674.76M | 593.60M | 538.47M | Gross Profit |
| 833.64M | 974.09M | 674.76M | 593.60M | 538.47M | EBIT |
| 0.00 | 525.81M | 420.80M | 322.33M | 211.76M | EBITDA |
| 0.00 | 545.46M | 404.46M | 347.36M | 0.00 | Net Income Common Stockholders |
| 409.17M | 411.77M | 300.23M | 253.92M | 167.32M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 5.34B | 651.06M | 6.51B | 7.42B | 5.08B | Total Assets |
| 15.74B | 15.07B | 15.50B | 16.05B | 14.03B | Total Debt |
| 119.41M | 119.61M | 145.59M | 570.78M | 570.97M | Net Debt |
| -233.24M | -531.45M | -1.94B | -2.64B | -1.43B | Total Liabilities |
| 12.94B | 12.62B | 13.46B | 570.78M | 570.97M | Stockholders Equity |
| 2.80B | 2.45B | 2.04B | 2.31B | 2.18B |
| Cash Flow | Free Cash Flow | |||
| 459.80M | 446.94M | 368.73M | 281.29M | 298.41M | Operating Cash Flow |
| 473.95M | 474.43M | 387.94M | 291.68M | 305.13M | Investing Cash Flow |
| -985.06M | -1.07B | -992.03M | -915.89M | -343.70M | Financing Cash Flow |
| 212.71M | -843.89M | -517.43M | 1.84B | 1.78B |
International Bancshares Technical Analysis
Negative
61.10
Price Trends
64.51
Negative
65.87
Negative
62.28
Negative
Market Momentum
-1.01
Positive
36.29
Neutral
11.36
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IBOC, the sentiment is Negative. The current price of 61.1 is below the 20-day moving average (MA) of 64.37, below the 50-day MA of 64.51, and below the 200-day MA of 62.28, indicating a bearish trend. The MACD of -1.01 indicates Positive momentum. The RSI at 36.29 is Neutral, neither overbought nor oversold. The STOCH value of 11.36 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IBOC.
International Bancshares Risk Analysis
International Bancshares disclosed 27 risk factors in its most recent earnings report. International Bancshares reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
International Bancshares Peers Comparison
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $7.83B | 14.29 | 15.13% | 2.98% | 7.81% | -2.49% | |
70 Outperform | $6.73B | 14.18 | 6.60% | 3.16% | 11.96% | 11.66% | |
69 Neutral | $6.98B | 10.13 | 13.15% | 3.56% | 7.91% | 13.79% | |
68 Neutral | $6.35B | 12.19 | 9.70% | 2.26% | 11.17% | 1.47% | |
64 Neutral | $13.80B | 10.64 | 9.23% | 4.22% | 17.66% | -7.66% | |
61 Neutral | $9.24B | 13.92 | 8.70% | 3.39% | 4.56% | -13.90% | |
60 Neutral | $3.80B | 9.23 | 15.60% | 2.24% | 7.33% | -0.55% |
* Financial Sector Average
Performance Comparison
IBOC
International Bancshares
61.10
8.36
15.85%
BOKF
Bok Financial
98.85
14.57
17.29%
CFR
Cullen/Frost Bankers
121.84
17.31
16.56%
FHN
First Horizon
18.19
3.99
28.10%
PB
Prosperity Bancshares
70.66
10.15
16.77%
ZION
Zions Bancorporation National Association
47.33
7.77
19.64%
International Bancshares Corporate Events
Dividends
International Bancshares Approves Increased Cash Dividend
Positive
Feb 3, 2025
On February 3, 2025, International Bancshares Corporation announced that its Board of Directors approved a cash dividend of seventy cents per share for its shareholders of Common Stock, marking a 6% increase from the previous dividend. This decision reflects the company’s commitment to returning value to its shareholders and may positively impact its market positioning by demonstrating financial stability and growth.
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.