A Business at a Glance
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Item 1. Business We are a registered multibank financial holding company providing a diversified range of commercial and retail banking services in our main banking and branch facilities located in north, south, central, and southeast Texas and the State of Oklahoma. We were organized and we operate as a bank holding company within the meaning of the Bank Holding Company Act of 1956 (BHCA). As a bank holding company, we may own one or more banks and may engage in activities closely related to banking. In this regard, we are subject to supervision and regulation by the Board of Governors of the Federal Reserve System (FRB). In addition, all five of our wholly owned banking subsidiaries are members of and subject to regulation by the Federal Deposit Insurance Corporation (FDIC). Our principal corporate offices are located in Laredo, Texas.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.1B | 1.1B | 1.0B | 970M | 713M | 620M |
| Net Income | 412M | 412M | 409M | 412M | 300M | 254M |
| EPS | $6.62 | $6.62 | $6.57 | $6.62 | $4.78 | $4.00 |
| Free Cash Flow | 473M | 473M | 460M | 447M | 369M | 281M |
| ROIC | 15.2% | 13.6% | 15.5% | 18.2% | 13.8% | 11.3% |
| Gross Margin | 81.0% | 81.0% | 79.8% | 82.3% | 91.6% | 94.4% |
| Debt/Equity | 0.00 | 4.10 | 4.63 | 0.01 | 6.58 | 5.95 |
| Dividends/Share | $1.40 | $1.40 | $1.32 | $1.26 | $1.20 | $1.15 |
| Operating Income | 520M | 520M | 21M | 524M | 33M | 25M |
| Operating Margin | 49.3% | 49.3% | 2.0% | 54.0% | 4.6% | 4.0% |
| ROE | 12.7% | 13.6% | 15.6% | 18.3% | 13.8% | 11.3% |
| Shares Outstanding | 62M | 62M | 62M | 62M | 63M | 63M |
INTERNATIONAL BANCSHARES CORP passes 5 of 9 quality checks, suggesting mixed fundamentals.
INTERNATIONAL BANCSHARES CORP trades at 10.9x trailing earnings, compared to its 15-year median P/E of 9.9x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 9.5x vs a median of 8.5x. The company's 5-year average ROIC is 14.5% with a gross margin of 85.8%. Total shareholder yield (dividends + buybacks) is 2.0%. At current prices, the estimated annualized return to fair value is +13.5%.
INTERNATIONAL BANCSHARES CORP (IBOC) has a current P/E ratio of 10.9, compared to its historical median P/E of 9.9. The stock is currently considered Fair based on its historical valuation range.
INTERNATIONAL BANCSHARES CORP (IBOC) has a 5-year average return on invested capital (ROIC) of 14.5%. This indicates solid capital allocation.
INTERNATIONAL BANCSHARES CORP (IBOC) has a market capitalization of $4.5B. It is classified as a mid-cap stock.
Yes, INTERNATIONAL BANCSHARES CORP (IBOC) pays a dividend with a trailing twelve-month yield of 1.94%. The company also returns capital through share buybacks, with a buyback yield of 0.10%.
Based on historical P/E analysis, INTERNATIONAL BANCSHARES CORP (IBOC) appears fair. The current P/E of 10.9 is 10% above its historical median of 9.9. The estimated fair value CAGR (P/E method) is 17.0%.
INTERNATIONAL BANCSHARES CORP (IBOC) operates in the State Commercial Banks industry, within the Financials sector.
INTERNATIONAL BANCSHARES CORP (IBOC) reported annual revenue of $1.1 billion in its most recent fiscal year, based on SEC EDGAR filings.
INTERNATIONAL BANCSHARES CORP (IBOC) has a net profit margin of 39.0%. This is a strong margin indicating high profitability.
INTERNATIONAL BANCSHARES CORP (IBOC) generated $473 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
INTERNATIONAL BANCSHARES CORP (IBOC) has a debt-to-equity ratio of 4.10. This indicates higher leverage, which may increase financial risk.
INTERNATIONAL BANCSHARES CORP (IBOC) reported earnings per share (EPS) of $6.62 in its most recent fiscal year.
INTERNATIONAL BANCSHARES CORP (IBOC) has a return on equity (ROE) of 13.6%. This indicates moderate shareholder returns.
INTERNATIONAL BANCSHARES CORP (IBOC) has a 5-year average gross margin of 85.8%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for INTERNATIONAL BANCSHARES CORP (IBOC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
INTERNATIONAL BANCSHARES CORP (IBOC) has a book value per share of $52.21, based on its most recent annual SEC filing.
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