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INTERNATIONAL BANCSHARES CRP (IBOC) Stock Fundamental Analysis

NASDAQ:IBOC - Nasdaq - US4590441030 - Common Stock - Currency: USD

63.97  -1.75 (-2.66%)

After market: 63.97 0 (0%)

Fundamental Rating

4

Overall IBOC gets a fundamental rating of 4 out of 10. We evaluated IBOC against 405 industry peers in the Banks industry. There are concerns on the financial health of IBOC while its profitability can be described as average. IBOC has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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5

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.
In the past 5 years IBOC has always been profitable.
In the past 5 years IBOC always reported a positive cash flow from operatings.
IBOC Yearly Net Income VS EBIT VS OCF VS FCFIBOC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

1.2 Ratios

IBOC has a Return On Assets of 2.52%. This is amongst the best in the industry. IBOC outperforms 98.00% of its industry peers.
IBOC's Return On Equity of 14.57% is amongst the best of the industry. IBOC outperforms 90.73% of its industry peers.
Industry RankSector 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
IBOC Yearly ROA, ROE, ROICIBOC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

IBOC has a Profit Margin of 47.88%. This is amongst the best in the industry. IBOC outperforms 99.50% of its industry peers.
In the last couple of years the Profit Margin of IBOC has grown nicely.
The Operating Margin and Gross Margin are not available for IBOC so they could not be analyzed.
Industry RankSector 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
IBOC Yearly Profit, Operating, Gross MarginsIBOC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30 40

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3

2. Health

2.1 Basic Checks

IBOC does not have a ROIC to compare to the WACC, probably because it is not profitable.
IBOC has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for IBOC has been reduced compared to 5 years ago.
The debt/assets ratio for IBOC is higher compared to a year ago.
IBOC Yearly Shares OutstandingIBOC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M
IBOC Yearly Total Debt VS Total AssetsIBOC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B

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 63.91% 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 65.41% of its industry peers.
Even though the debt/equity ratio score it not favorable for IBOC, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 1.74
Altman-Z N/A
ROIC/WACCN/A
WACC9.87%
IBOC Yearly LT Debt VS Equity VS FCFIBOC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IBOC Yearly Current Assets VS Current LiabilitesIBOC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M

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2

3. Growth

3.1 Past

IBOC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.41%.
Measured over the past years, IBOC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.35% on average per year.
The Revenue has been growing slightly by 1.04% in the past year.
IBOC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.59% yearly.
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.
IBOC Yearly Revenue VS EstimatesIBOC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M
IBOC Yearly EPS VS EstimatesIBOC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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4

4. Valuation

4.1 Price/Earnings Ratio

IBOC is valuated reasonably with a Price/Earnings ratio of 9.95.
Based on the Price/Earnings ratio, IBOC is valued cheaply inside the industry as 82.46% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 29.63. IBOC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.95
Fwd PE N/A
IBOC Price Earnings VS Forward Price EarningsIBOC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

80.45% of the companies in the same industry are more expensive than IBOC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.51
EV/EBITDA N/A
IBOC Per share dataIBOC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.65
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

IBOC has a Yearly Dividend Yield of 2.13%.
IBOC's Dividend Yield is slightly below the industry average, which is at 3.18.
Compared to an average S&P500 Dividend Yield of 2.27, IBOC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.13%

5.2 History

The dividend of IBOC is nicely growing with an annual growth rate of 10.91%!
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
IBOC Yearly Dividends per shareIBOC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

IBOC pays out 20.51% of its income as dividend. This is a 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
IBOC Yearly Income VS Free CF VS DividendIBOC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M
IBOC Dividend Payout.IBOC Dividend Payout, showing the Payout Ratio.IBOC Dividend Payout.PayoutRetained Earnings

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INTERNATIONAL BANCSHARES CRP

NASDAQ:IBOC (2/21/2025, 8:27:10 PM)

After market: 63.97 0 (0%)

63.97

-1.75 (-2.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-20 2025-02-20
Earnings (Next)04-30 2025-04-30
Inst Owners69.24%
Inst Owner Change2.6%
Ins Owners13.9%
Ins Owner Change-0.32%
Market Cap3.98B
Analysts0
Price TargetN/A
Short Float %1.36%
Short Ratio2.53
Dividend
Industry RankSector Rank
Dividend Yield 2.13%
Yearly Dividend1.26
Dividend Growth(5Y)10.91%
DP20.51%
Div Incr Years15
Div Non Decr Years15
Ex-Date02-14 2025-02-14 (0.7)
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 RankSector Rank
PE 9.95
Fwd PE N/A
P/S 4.76
P/FCF 8.51
P/OCF 8.09
P/B 1.45
P/tB 1.61
EV/EBITDA N/A
EPS(TTM)6.43
EY10.05%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)7.52
FCFY11.75%
OCF(TTM)7.91
OCFY12.36%
SpS13.45
BVpS44.2
TBVpS39.66
PEG (NY)N/A
PEG (5Y)0.65
Profitability
Industry RankSector 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 RankSector 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
WACC9.87%
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%