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STOCKS

International Bancshares Corp. (IBOC)

NASDAQ:IBOC

IBOC

International Bancshares

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International Bancshares (IBOC) Ratios

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International Bancshares Ratios

IBOC's free cash flow for Q2 2025 was $0.78. For the 2025 fiscal year, IBOC's free cash flow was decreased by $ and operating cash flow was $0.48. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.06	0.45	0.80	1.19	0.99
Quick Ratio	0.06	0.45	1.06	1.71	1.40
Cash Ratio	0.06	0.05	0.25	0.51	0.39
Solvency Ratio	0.03	0.03	0.02	0.49	0.34
Operating Cash Flow Ratio	0.04	0.04	0.05	0.05	0.06
Short-Term Operating Cash Flow Coverage	0.76	0.89	0.00	0.00	0.00
Net Current Asset Value	$ -12.63B	$ -7.08B	$ -6.91B	$ 6.88B	$ 4.54B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.04	<0.01	0.04	0.04
Debt-to-Equity Ratio	0.26	0.27	0.07	0.25	0.26
Debt-to-Capital Ratio	0.21	0.21	0.07	0.20	0.21
Long-Term Debt-to-Capital Ratio	0.05	0.05	0.07	0.20	0.21
Financial Leverage Ratio	5.45	6.16	7.58	6.95	6.44
Debt Service Coverage Ratio	0.52	0.65	8.44	10.40	-1.14
Interest Coverage Ratio	2.35	3.85	11.03	12.01	5.41
Debt to Market Cap	0.18	0.19	0.05	0.21	0.24
Interest Debt Per Share	16.12	12.67	2.93	9.43	9.57
Net Debt to EBITDA	0.10	>-0.01	-4.80	-7.60	0.00
Profitability Margins
Gross Profit Margin	77.56%	82.01%	100.00%	100.00%	100.00%
EBIT Margin	48.69%	53.74%	56.71%	-4.22%	-5.26%
EBITDA Margin	50.83%	56.00%	59.94%	58.52%	0.00%
Operating Profit Margin	48.69%	53.98%	62.36%	54.30%	39.33%
Pretax Profit Margin	48.69%	53.74%	56.71%	54.30%	39.33%
Net Profit Margin	39.50%	42.27%	44.49%	42.78%	31.07%
Continuous Operations Profit Margin	39.50%	42.27%	44.49%	42.78%	31.07%
Net Income Per EBT	81.13%	78.65%	78.46%	78.78%	79.01%
EBT Per EBIT	100.00%	99.56%	90.93%	100.00%	100.00%
Return on Assets (ROA)	2.50%	2.73%	1.94%	1.58%	1.19%
Return on Equity (ROE)	14.37%	16.82%	14.68%	11.00%	7.68%
Return on Capital Employed (ROCE)	15.06%	19.39%	5.76%	3.30%	2.38%
Return on Invested Capital (ROIC)	10.33%	12.76%	8.57%	3.95%	4.10%
Return on Tangible Assets	2.55%	2.79%	1.97%	1.61%	1.22%
Earnings Yield	9.56%	12.21%	10.47%	9.46%	7.01%
Efficiency Ratios
Receivables Turnover	13.93	14.92	14.74	19.40	14.21
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.43	2.23	1.56	1.33	1.12
Asset Turnover	0.06	0.06	0.04	0.04	0.04
Working Capital Turnover Ratio	-0.08	-0.15	-2.86	1.03	-21.51
Cash Conversion Cycle	26.20	24.47	24.77	18.81	25.68
Days of Sales Outstanding	26.20	24.47	24.77	18.81	25.68
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	26.20	24.47	24.77	18.81	25.68
Cash Flow Ratios
Operating Cash Flow Per Share	7.52	7.64	6.19	4.60	4.79
Free Cash Flow Per Share	7.25	7.20	5.88	4.44	4.68
CapEx Per Share	0.27	0.44	0.31	0.16	0.11
Free Cash Flow to Operating Cash Flow	0.96	0.94	0.95	0.96	0.98
Dividend Paid and CapEx Coverage Ratio	4.62	4.49	4.10	3.50	3.98
Capital Expenditure Coverage Ratio	28.31	17.25	20.19	28.07	45.37
Operating Cash Flow Coverage Ratio	0.59	0.73	2.66	0.51	0.53
Operating Cash Flow to Sales Ratio	0.45	0.49	0.57	0.49	0.57
Free Cash Flow Yield	10.46%	13.25%	12.86%	10.47%	12.51%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.46	8.19	9.55	10.58	14.26
Price-to-Sales (P/S) Ratio	4.13	3.46	4.25	4.52	4.43
Price-to-Book (P/B) Ratio	1.43	1.38	1.40	1.16	1.10
Price-to-Free Cash Flow (P/FCF) Ratio	9.56	7.55	7.78	9.55	8.00
Price-to-Operating Cash Flow Ratio	9.22	7.11	7.39	9.21	7.82
Price-to-Earnings Growth (PEG) Ratio	13.75	0.21	0.49	0.20	-0.89
Price-to-Fair Value	1.43	1.38	1.40	1.16	1.10
Enterprise Value Multiple	8.23	6.18	2.29	0.14	0.00
Enterprise Value	4.36B	3.37B	925.11M	47.06M	959.63M
EV to EBITDA	8.23	6.18	2.29	0.14	0.00
EV to Sales	4.18	3.46	1.37	0.08	1.78
EV to Free Cash Flow	9.68	7.54	2.51	0.17	3.22
EV to Operating Cash Flow	9.34	7.11	2.38	0.16	3.14
Tangible Book Value Per Share	44.08	34.88	28.12	239.81	206.76
Shareholders’ Equity Per Share	48.62	39.43	32.63	36.44	34.18
Tax and Other Ratios
Effective Tax Rate	0.19	0.21	0.22	0.21	0.21
Revenue Per Share	16.78	15.69	10.77	9.37	8.45
Net Income Per Share	6.63	6.63	4.79	4.01	2.63
Tax Burden	0.81	0.79	0.78	0.79	0.79
Interest Burden	1.00	1.00	1.00	-12.88	-7.48
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.15	0.14	0.20	0.22	0.24
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.13	1.15	1.29	1.15	1.82

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