INTERNATIONAL BANCSHARES CRP (IBOC)
US4590441030 - Common Stock
Overall IBOC gets a fundamental rating of 4 out of 10. We evaluated IBOC against 407 industry peers in the Banks industry. There are concerns on the financial health of IBOC while its profitability can be described as average. IBOC is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
IBOC had positive earnings in the past year.
IBOC had a positive operating cash flow in the past year.
IBOC had positive earnings in each of the past 5 years.
IBOC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.52%, IBOC belongs to the top of the industry, outperforming 98.27% of the companies in the same industry.
IBOC has a better Return On Equity (14.57%) than 91.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.52% | ||
| ROE | 14.57% | ||
| ROIC | N/A |
ROA(3y)2.08%
ROA(5y)1.83%
ROE(3y)14.17%
ROE(5y)11.97%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
IBOC has a Profit Margin of 47.88%. This is amongst the best in the industry. IBOC outperforms 99.01% of its industry peers.
IBOC's Profit Margin has improved in the last couple of years.
IBOC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 47.88% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.72%
PM growth 5Y5.76%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
IBOC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, IBOC has about the same amount of shares outstanding.
IBOC has less shares outstanding than it did 5 years ago.
The debt/assets ratio for IBOC is higher compared to a year ago.
2.2 Solvency
IBOC has a debt to FCF ratio of 1.74. This is a very positive value and a sign of high solvency as it would only need 1.74 years to pay back of all of its debts.
IBOC has a Debt to FCF ratio of 1.74. This is in the better half of the industry: IBOC outperforms 63.70% of its industry peers.
IBOC has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
IBOC has a Debt to Equity ratio of 0.30. This is in the lower half of the industry: IBOC underperforms 65.19% of its industry peers.
Although IBOC does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.01%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for IBOC have decreased by -2.41% in the last year.
IBOC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.35% yearly.
IBOC shows a small growth in Revenue. In the last year, the Revenue has grown by 1.04%.
The Revenue has been growing slightly by 7.59% on average over the past years.
EPS 1Y (TTM)-2.41%
EPS 3Y36.19%
EPS 5Y15.35%
EPS Q2Q%-2.96%
Revenue 1Y (TTM)1.04%
Revenue growth 3Y15.67%
Revenue growth 5Y7.59%
Sales Q2Q%-0.43%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.02, which indicates a very decent valuation of IBOC.
Compared to the rest of the industry, the Price/Earnings ratio of IBOC indicates a rather cheap valuation: IBOC is cheaper than 84.20% of the companies listed in the same industry.
IBOC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.54.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.02 | ||
| Fwd PE | N/A |
4.2 Price Multiples
80.00% of the companies in the same industry are more expensive than IBOC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.57 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.65
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
IBOC has a Yearly Dividend Yield of 2.10%. Purely for dividend investing, there may be better candidates out there.
IBOC's Dividend Yield is slightly below the industry average, which is at 3.21.
IBOC's Dividend Yield is comparable with the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.1% |
5.2 History
On average, the dividend of IBOC grows each year by 10.91%, which is quite nice.
IBOC has paid a dividend for at least 10 years, which is a reliable track record.
IBOC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)10.91%
Div Incr Years15
Div Non Decr Years15
5.3 Sustainability
20.51% of the earnings are spent on dividend by IBOC. This is a low number and sustainable payout ratio.
IBOC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP20.51%
EPS Next 2YN/A
EPS Next 3YN/A
INTERNATIONAL BANCSHARES CRP
NASDAQ:IBOC (12/24/2024, 8:20:14 PM)
After market: 64.41 0 (0%)64.41
+0.27 (+0.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners69.71%
Inst Owner Change-3.01%
Ins Owners13.92%
Ins Owner Change-0.32%
Market Cap4.01B
Analysts0
Price TargetN/A
Short Float %1.17%
Short Ratio2.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.1% |
Dividend Growth(5Y)10.91%
DP20.51%
Div Incr Years15
Div Non Decr Years15
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.02 | ||
| Fwd PE | N/A | ||
| P/S | 4.79 | ||
| P/FCF | 8.57 | ||
| P/OCF | 8.15 | ||
| P/B | 1.46 | ||
| P/tB | 1.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.43
EY9.98%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)7.52
FCFY11.67%
OCF(TTM)7.91
OCFY12.28%
SpS13.45
BVpS44.2
TBVpS39.66
PEG (NY)N/A
PEG (5Y)0.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.52% | ||
| ROE | 14.57% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 47.88% | ||
| GM | N/A | ||
| FCFM | 55.91% |
ROA(3y)2.08%
ROA(5y)1.83%
ROE(3y)14.17%
ROE(5y)11.97%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.72%
PM growth 5Y5.76%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.74 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 107.6% | ||
| Cap/Sales | 2.89% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 116.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC10.01%
ROIC/WACCN/A
Cap/Depr(3y)84.99%
Cap/Depr(5y)76.65%
Cap/Sales(3y)2.63%
Cap/Sales(5y)2.83%
Profit Quality(3y)114.05%
Profit Quality(5y)131.6%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.41%
EPS 3Y36.19%
EPS 5Y15.35%
EPS Q2Q%-2.96%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.04%
Revenue growth 3Y15.67%
Revenue growth 5Y7.59%
Sales Q2Q%-0.43%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y38.1%
FCF growth 3Y14.41%
FCF growth 5Y16.48%
OCF growth 1Y38.26%
OCF growth 3Y15.85%
OCF growth 5Y15.6%