International Bancshares (IBOC) AI Stock Analysis

• Market Cap: $4.21B
• Dividend Yield: 2.11%
• Average Volume (3M): 205.56K
• Price to Earnings (P/E): 10.2
• Beta (1Y): 0.99
• Revenue Growth: 0.99%
• EPS Growth: 4.94%
• Country: US
• Employees: 2,103
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.74
• Shares Outstanding: 62,156,400
• 10 Day Avg. Volume: 202,621
• 30 Day Avg. Volume: 205,560
• PEG Ratio: -12.73
• Price to Book (P/B): 1.40
• Price to Sales (P/S): 3.77
• P/FCF Ratio: 8.54
• Enterprise Value/Market Cap: 1.00
• Enterprise Value/Revenue: 4.00
• Enterprise Value/Gross Profit: 5.11
• Enterprise Value/Ebitda: 7.78
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: $69.00 ▲(3.93% Upside)

International Bancshares' strong financial performance is the most significant factor, supported by robust revenue growth and profitability. However, technical analysis indicates bearish momentum, which negatively impacts the overall score. The stock's valuation is favorable, with a low P/E ratio and a decent dividend yield, providing some balance to the technical weakness.

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 generates revenue primarily through net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. Key revenue streams include interest from commercial and consumer loans, mortgage loans, and fees from various banking services such as account maintenance and transaction services. Additionally, the company earns non-interest income from investment services, insurance products, and transaction fees. Significant partnerships with local businesses and community organizations enhance its market reach and customer base, contributing to its overall earnings.

International Bancshares Financial Statement Overview

Summary

International Bancshares exhibits strong financial health with robust revenue growth and profitability. The balance sheet is stable with manageable leverage, though there is moderate reliance on debt. Cash flow generation is solid, but there are signs of pressure in converting income to cash. Overall, the company is well-positioned but should monitor operational efficiency and cash flow conversion closely.

Income Statement

International Bancshares has demonstrated strong revenue growth with a 23.4% increase in TTM, supported by healthy gross and net profit margins of 77.6% and 39.5% respectively. The EBIT and EBITDA margins are robust at 48.7% and 50.8%, indicating efficient operational management. However, the slight decline in EBIT margin from previous periods suggests potential pressure on operational efficiency.

Balance Sheet

The company's balance sheet is stable with a manageable debt-to-equity ratio of 0.26, indicating prudent leverage. Return on equity is strong at 14.4%, reflecting effective use of shareholder funds. However, the equity ratio of 18.4% suggests a moderate reliance on debt financing, which could pose risks if market conditions change.

Cash Flow

Operating cash flow remains strong, but free cash flow has seen a slight decline of 2.8% in the TTM period. The operating cash flow to net income ratio is low at 0.036, indicating potential challenges in converting income into cash. Nevertheless, the free cash flow to net income ratio is high at 96.5%, suggesting efficient cash generation relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.05B	1.04B	970.10M	712.91M	620.43M	577.59M
Gross Profit	821.72M	801.84M	798.87M	653.11M	585.64M	493.09M
EBITDA	539.61M	531.24M	545.46M	404.46M	347.36M	240.08M
Net Income	420.49M	409.17M	411.77M	300.23M	253.92M	167.32M
Balance Sheet
Total Assets	16.55B	15.74B	15.07B	15.50B	16.05B	14.03B
Cash, Cash Equivalents and Short-Term Investments	5.44B	5.34B	5.47B	6.51B	7.42B	5.08B
Total Debt	783.63M	654.73M	650.03M	576.78M	1.01B	999.12M
Total Liabilities	13.42B	12.94B	12.62B	13.46B	13.74B	11.85B
Stockholders Equity	3.13B	2.80B	2.45B	2.04B	2.31B	2.18B
Cash Flow
Free Cash Flow	453.46M	459.80M	446.94M	368.73M	281.29M	298.41M
Operating Cash Flow	466.00M	473.95M	474.43M	387.94M	291.68M	305.13M
Investing Cash Flow	-878.94M	-985.06M	-1.07B	-992.03M	-915.89M	-343.70M
Financing Cash Flow	222.43M	212.71M	-843.89M	-517.43M	1.84B	1.78B

International Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 66.39
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• 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 Positive. The current price of 66.39 is above the 20-day moving average (MA) of 66.25, below the 50-day MA of 67.40, and above the 200-day MA of 65.49, indicating a neutral trend. The MACD of -0.75 indicates Positive momentum. The RSI at 50.47 is Neutral, neither overbought nor oversold. The STOCH value of 45.19 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IBOC.

International Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UCB	77 Outperform	$3.71B	12.08	9.01%	3.21%	5.63%	65.11%
TCBI	74 Outperform	$4.01B	14.41	8.60%	―	5.19%	3454.95%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IBOC	67 Neutral	$4.21B	10.25	14.31%	2.11%	0.99%	4.94%
ASB	66 Neutral	$4.25B	27.62	3.78%	3.72%	-1.44%	-21.65%
SFBS	66 Neutral	$3.85B	15.08	15.24%	1.90%	3.97%	24.91%
BANF	60 Neutral	$3.68B	15.71	14.11%	1.69%	6.55%	12.94%

International Bancshares Corporate Events

International Bancshares Reports Strong Q3 2025 Earnings

International Bancshares Corporation (IBC) is a prominent independent bank holding company based in Laredo, Texas, operating within the financial sector with a significant presence across Texas and Oklahoma through its extensive network of facilities and ATMs.