A Business at a Glance
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INTERNATIONAL BANCSHARES CORP
IBOC
$4.8B
Mkt Cap
$76.79
+1.36%
INTERNATIONAL BANCSHARES CORP (IBOC) has a current P/E ratio of 11.6, 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 $7.4B. It is classified as a mid-cap stock.
Yes, INTERNATIONAL BANCSHARES CORP (IBOC) pays a dividend with a trailing twelve-month yield of 1.20%. The company also returns capital through share buybacks, with a buyback yield of 0.06%.
Based on historical P/E analysis, INTERNATIONAL BANCSHARES CORP (IBOC) appears fair. The current P/E of 11.6 is 18% above its historical median of 9.9. The estimated fair value CAGR (P/E method) is 16.6%.
INTERNATIONAL BANCSHARES CORP (IBOC) operates in the State Commercial Banks industry, within the Financials sector.
IBOC is a multibank financial holding company operating five wholly owned subsidiary banks across Texas and Oklahoma, providing a diversified range of commercial and retail banking services to small- and medium-sized businesses and consumers. The company's subsidiary banks accept checking and savings deposits and originate commercial, real estate, personal, home improvement, automobile, and other installment and term loans, with particular strength in facilitating international trade along the U.S.-Mexico border through letters of credit, commercial and industrial loans, and foreign-exchange services. The business model is traditional deposit-taking and lending, supplemented by ancillary services including credit cards, safety deposit boxes, collections, escrow services, and securities products offered through third-party providers. Distribution occurs through 166 banking facilities and 247 ATMs across 75 communities in Texas and Oklahoma, including retail locations in shopping malls and non-traditional banking hours, complemented by digital channels including IBC Bank Online and IBC Mobile Banking available 24 hours daily. The company's competitive positioning centers on localized customer service and community engagement through local advisory boards that guide branch operations and product development to meet regional customer needs. IBOC also maintains merchant banking interests, investment banking partnerships, and real-estate development investments through various non-banking subsidiaries.
No forward guidance provided.
Generated solely from the company's own reports listed below — not from third-party data. Hallucination risk is low. · Sources: 10-K
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 852M | 1.1B | 1.0B | 970M | 713M | 620M |
| Net Income | 418M | 412M | 409M | 412M | 300M | 254M |
| EPS | $4.32 | $6.62 | $6.57 | $6.62 | $4.78 | $4.00 |
| Free Cash Flow | 456M | 473M | 460M | 447M | 369M | 281M |
| ROIC | 12.7% | 13.6% | 15.5% | 18.2% | 13.8% | 11.3% |
| Gross Margin | - | - | 79.8% | 82.3% | - | - |
| Debt/Equity | 0.00 | 4.10 | 4.63 | 0.01 | 6.58 | 5.95 |
| Dividends/Share | $0.92 | $1.40 | $1.32 | $1.26 | $1.20 | $1.15 |
| Operating Income | 20M | 520M | 21M | 524M | 33M | 25M |
| Operating Margin | 2.4% | 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 | 97M | 62M | 62M | 62M | 63M | 63M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 572M | 552M | 550M | 566M | 631M | 647M | 578M | 620M | 713M | 970M | 1.0B | 1.1B | 852M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 82.3% | 79.8% | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 122M | 125M | 129M | 133M | 139M | 146M | 130M | 123M | 128M | 134M | 146M | 153M | 154M |
| EBIT | 15M | 11M | 14M | 11M | 18M | 18M | 27M | 25M | 33M | 524M | 21M | 520M | 20M |
| Op. Margin | 2.5% | 2.1% | 2.5% | 2.0% | 2.9% | 2.7% | 4.7% | 4.0% | 4.6% | 54.0% | 2.0% | 49.3% | 2.4% |
| Net Income | 153M | 137M | 134M | 157M | 216M | 205M | 167M | 254M | 300M | 412M | 409M | 412M | 418M |
| Net Margin | 26.8% | 24.7% | 24.4% | 27.8% | 34.2% | 31.7% | 29.0% | 40.9% | 42.1% | 42.4% | 39.2% | 39.0% | 49.0% |
| Non-Recurring | 3.7M | -14K | 450K | 38K | 1.5M | 237K | 40K | -601K | 3.1M | 198K | 378K | 23K | 23K |
| Returns on Capital | |||||||||||||
| ROIC | 10.1% | 8.3% | 7.9% | 8.8% | 11.4% | 10.0% | 7.7% | 11.3% | 13.8% | 18.2% | 15.5% | 13.6% | 12.7% |
| ROE | 10.2% | 8.4% | 7.9% | 8.8% | 11.4% | 10.1% | 7.8% | 11.3% | 13.8% | 18.3% | 15.6% | 13.6% | 12.7% |
| ROA | 1.3% | 1.1% | 1.1% | 1.3% | 1.8% | 1.7% | 1.3% | 1.7% | 1.9% | 2.7% | 2.7% | 2.6% | 2.5% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 193M | 204M | 203M | 197M | 230M | 312M | 305M | 292M | 388M | 474M | 474M | 491M | 471M |
| Free Cash Flow | 143M | 184M | 164M | 183M | 208M | 282M | 298M | 281M | 369M | 447M | 460M | 473M | 456M |
| Owner Earnings | 168M | 177M | 177M | 171M | 203M | 282M | 276M | 266M | 366M | -105M | -128M | 468M | -146M |
| CapEx | 50M | 20M | 39M | 14M | 21M | 30M | 6.7M | 10M | 19M | 27M | 14M | 18M | 15M |
| Maint. CapEx | 24M | 25M | 25M | 25M | 26M | 28M | 28M | 25M | 22M | 579M | 602M | 23M | 617M |
| Growth CapEx | 26M | 0 | 14M | 0 | 0 | 1.3M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 24M | 25M | 25M | 25M | 26M | 28M | 28M | 25M | 22M | 579M | 602M | 23M | 617M |
| CapEx/OCF | 26.1% | 9.7% | 19.1% | 7.3% | 9.3% | 9.5% | 2.2% | 3.6% | 5.0% | 5.8% | 3.0% | 3.7% | 3.3% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 35M | 39M | 40M | 44M | 50M | 69M | 70M | 73M | 75M | 78M | 82M | 87M | 89M |
| Dividend Yield | 2.8% | 2.9% | 2.7% | 2.2% | 2.2% | 3.3% | 4.0% | 3.0% | 3.0% | 3.0% | 2.3% | 2.1% | 1.2% |
| Share Buybacks | 19M | 6.7M | 8.0M | 187K | 19M | 18M | 49M | 716K | 52M | 4.6M | 963K | 4.6M | 4.7M |
| Buyback Yield | 1.4% | 0.5% | 0.4% | 0.0% | 1.0% | 0.8% | 2.3% | 0.0% | 2.0% | 0.1% | 0.0% | 0.1% | 0.1% |
| Stock-Based Comp | 1.1M | 1.2M | 1.1M | 903K | 1.0M | 980K | 743K | 506K | 449K | 330K | 214K | 104K | 77K |
| Debt Repayment | 15M | 14M | 1.0M | 0 | 0 | 26M | 0 | 0 | 0 | 26M | 26M | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -5.2B | -4.5B | -4.4B | N/A | N/A | -3.6B | N/A | N/A | N/A | -5.5B | N/A | N/A | -5.6B |
| Cash & Equiv. | 255M | 273M | 269M | 265M | 317M | 257M | 2.0B | 3.2B | 2.1B | 651M | 353M | 536M | 5.6B |
| Long-Term Debt | 15M | 14M | 1.0M | N/A | N/A | 26M | N/A | N/A | N/A | 26M | N/A | N/A | N/A |
| Debt/Equity | 0.01 | 0.01 | 0.00 | 5.63 | 5.12 | 0.01 | 5.44 | 5.95 | 6.58 | 0.01 | 4.63 | 4.10 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.1 |
| Equity | 1.6B | 1.7B | 1.7B | 1.8B | 1.9B | 2.1B | 2.2B | 2.3B | 2.0B | 2.4B | 2.8B | 3.3B | 3.3B |
| Total Assets | 12.2B | 11.8B | 11.8B | 12.2B | 11.9B | 12.1B | 14.0B | 16.0B | 15.5B | 15.1B | 15.7B | 16.6B | 16.8B |
| Total Liabilities | 10.6B | 10.1B | 10.1B | 10.3B | 9.9B | 10.0B | 11.9B | 13.7B | 13.5B | 12.6B | 12.9B | 13.3B | 13.5B |
| Intangibles | 797K | 153K | 25K | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 1.6B | 1.7B | 1.8B | 1.9B | 2.1B | 2.2B | 2.3B | 2.5B | 2.7B | 3.0B | 3.4B | 3.7B | 3.7B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 2.28 | 2.05 | 2.02 | 2.36 | 3.24 | 3.12 | 2.62 | 4.00 | 4.78 | 6.62 | 6.57 | 6.62 | 4.32 |
| Owner EPS | 2.50 | 2.66 | 2.68 | 2.56 | 3.05 | 4.29 | 4.32 | 4.19 | 5.82 | -1.69 | -2.06 | 7.51 | -1.51 |
| Book Value | 23.53 | 24.97 | 26.01 | 27.57 | 29.10 | 32.22 | 34.10 | 36.37 | 32.55 | 39.35 | 44.91 | 52.21 | 34.01 |
| Cash Flow/Share | 2.87 | 3.05 | 3.07 | 2.95 | 3.45 | 4.74 | 4.78 | 4.59 | 6.18 | 7.63 | 7.61 | 7.88 | 10.71 |
| Dividends/Share | 0.43 | 0.58 | 0.60 | 0.66 | 0.75 | 1.05 | 1.10 | 1.15 | 1.20 | 1.26 | 1.32 | 1.40 | 0.92 |
| Shares Out. | 67.2M | 66.7M | 66.3M | 66.7M | 66.6M | 65.7M | 63.9M | 63.5M | 62.8M | 62.2M | 62.3M | 62.3M | 96.7M |
| Valuation | |||||||||||||
| P/E Ratio | 8.7 | 9.9 | 16.1 | 13.6 | 8.6 | 11.6 | 12.7 | 9.5 | 8.8 | 7.8 | 9.4 | 10.3 | 17.8 |
| P/FCF | 9.3 | 7.4 | 13.1 | 11.7 | 8.9 | 8.4 | 7.1 | 8.6 | 7.2 | 7.2 | 8.4 | 8.9 | 16.3 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 91.5 |
| Price/Book | 0.8 | 0.8 | 1.3 | 1.2 | 1.0 | 1.1 | 1.0 | 1.0 | 1.3 | 1.3 | 1.4 | 1.3 | 2.3 |
| Price/Sales | 2.4 | 2.6 | 2.9 | 3.8 | 3.9 | 3.6 | 3.2 | 4.1 | 3.7 | 3.2 | 4.3 | 4.8 | 8.7 |
| FCF Yield | 10.7% | 13.6% | 7.6% | 8.6% | 11.3% | 11.9% | 14.1% | 11.7% | 14.0% | 13.9% | 11.9% | 11.2% | 6.1% |
| Market Cap | 1.3B | 1.4B | 2.2B | 2.1B | 1.9B | 2.4B | 2.1B | 2.4B | 2.6B | 3.2B | 3.9B | 4.2B | 7.4B |
| Avg. Price | 18.66 | 19.91 | 22.05 | 29.64 | 33.63 | 31.97 | 27.08 | 38.56 | 39.77 | 42.40 | 57.05 | 65.02 | 76.79 |
| Year-End Price | 19.76 | 20.26 | 32.57 | 31.99 | 27.77 | 36.05 | 33.14 | 37.91 | 41.99 | 51.71 | 61.85 | 67.91 | 76.79 |
INTERNATIONAL BANCSHARES CORP passes 5 of 9 quality checks, suggesting mixed fundamentals.
INTERNATIONAL BANCSHARES CORP trades at 11.6x 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 10.1x vs a median of 8.5x. The company's 5-year average ROIC is 14.5% with a gross margin of 81.1%. Total shareholder yield (dividends) is 1.3%. At current prices, the estimated annualized return to fair value is +12.6%.
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 81.1%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 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.
No recent press releases.