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International Bancshares Corp. (IBOC)
NASDAQ:IBOC

International Bancshares (IBOC) AI Stock Analysis

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IB

International Bancshares

(NASDAQ:IBOC)

80Outperform
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 (IBOC) vs. S&P 500 (SPY)

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
78
Positive
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
83
Very Positive
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
75
Positive
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
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
833.64M974.09M674.76M593.60M538.47M
Gross Profit
833.64M974.09M674.76M593.60M538.47M
EBIT
0.00525.81M420.80M322.33M211.76M
EBITDA
0.00545.46M404.46M347.36M0.00
Net Income Common Stockholders
409.17M411.77M300.23M253.92M167.32M
Balance SheetCash, Cash Equivalents and Short-Term Investments
5.34B651.06M6.51B7.42B5.08B
Total Assets
15.74B15.07B15.50B16.05B14.03B
Total Debt
119.41M119.61M145.59M570.78M570.97M
Net Debt
-233.24M-531.45M-1.94B-2.64B-1.43B
Total Liabilities
12.94B12.62B13.46B570.78M570.97M
Stockholders Equity
2.80B2.45B2.04B2.31B2.18B
Cash FlowFree Cash Flow
459.80M446.94M368.73M281.29M298.41M
Operating Cash Flow
473.95M474.43M387.94M291.68M305.13M
Investing Cash Flow
-985.06M-1.07B-992.03M-915.89M-343.70M
Financing Cash Flow
212.71M-843.89M-517.43M1.84B1.78B

International Bancshares Technical Analysis

Technical Analysis Sentiment
Positive
Last Price62.74
Price Trends
50DMA
61.69
Positive
100DMA
63.45
Negative
200DMA
63.29
Negative
Market Momentum
MACD
0.28
Negative
RSI
58.50
Neutral
STOCH
82.61
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IBOC, the sentiment is Positive. The current price of 62.74 is above the 20-day moving average (MA) of 59.71, above the 50-day MA of 61.69, and below the 200-day MA of 63.29, indicating a neutral trend. The MACD of 0.28 indicates Negative momentum. The RSI at 58.50 is Neutral, neither overbought nor oversold. The STOCH value of 82.61 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IBOC.

International Bancshares Risk Analysis

International Bancshares disclosed 32 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
AXAX
80
Outperform
$3.80B9.1817.80%15.93%0.17%
80
Outperform
$3.91B9.5615.60%2.17%7.33%-0.55%
70
Neutral
$4.17B11.2310.19%1.16%9.14%31.69%
69
Neutral
$4.03B18.3614.14%1.49%2.59%7.66%
AUAUB
64
Neutral
$3.84B13.307.30%4.54%26.09%-19.05%
64
Neutral
$12.61B9.787.94%16985.69%12.75%-4.02%
61
Neutral
$3.79B47.674.24%8.37%9.03%4.36%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IBOC
International Bancshares
62.74
3.90
6.63%
ABCB
Ameris Bancorp
60.16
11.01
22.40%
BANF
BancFirst
121.51
31.25
34.62%
AX
Axos Financial
67.67
7.99
13.39%
TFSL
TFS Financial
13.54
1.42
11.72%
AUB
Atlantic Union Bankshares
29.10
-3.36
-10.35%

International Bancshares Corporate Events

Stock Buyback
International Bancshares Announces $150 Million Stock Buyback
Positive
Mar 14, 2025

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.

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.