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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.30
IBOC's Cash-to-Debt is ranked lower than
82% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. IBOC: 0.30 )
Ranked among companies with meaningful Cash-to-Debt only.
IBOC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.16 Max: 0.49
Current: 0.3
0.09
0.49
Equity-to-Asset 0.15
IBOC's Equity-to-Asset is ranked higher than
85% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. IBOC: 0.15 )
Ranked among companies with meaningful Equity-to-Asset only.
IBOC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.15
Current: 0.15
0.07
0.15
Interest Coverage 4.57
IBOC's Interest Coverage is ranked higher than
78% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. IBOC: 4.57 )
Ranked among companies with meaningful Interest Coverage only.
IBOC' s Interest Coverage Range Over the Past 10 Years
Min: 0.53  Med: 2.08 Max: 4.94
Current: 4.57
0.53
4.94
Beneish M-Score: -2.60
WACC vs ROIC
10.84%
6.08%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 38.90
IBOC's Operating Margin % is ranked higher than
71% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. IBOC: 38.90 )
Ranked among companies with meaningful Operating Margin % only.
IBOC' s Operating Margin % Range Over the Past 10 Years
Min: 31.57  Med: 37.37 Max: 43.76
Current: 38.9
31.57
43.76
Net Margin % 26.44
IBOC's Net Margin % is ranked higher than
66% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. IBOC: 26.44 )
Ranked among companies with meaningful Net Margin % only.
IBOC' s Net Margin % Range Over the Past 10 Years
Min: 21.49  Med: 25.32 Max: 29.15
Current: 26.44
21.49
29.15
ROE % 7.81
IBOC's ROE % is ranked lower than
54% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. IBOC: 7.81 )
Ranked among companies with meaningful ROE % only.
IBOC' s ROE % Range Over the Past 10 Years
Min: 6.16  Med: 8.63 Max: 13.65
Current: 7.81
6.16
13.65
ROA % 1.13
IBOC's ROA % is ranked higher than
70% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. IBOC: 1.13 )
Ranked among companies with meaningful ROA % only.
IBOC' s ROA % Range Over the Past 10 Years
Min: 0.91  Med: 1.11 Max: 1.26
Current: 1.13
0.91
1.26
3-Year Revenue Growth Rate 1.10
IBOC's 3-Year Revenue Growth Rate is ranked lower than
64% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. IBOC: 1.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
IBOC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -4.7  Med: 8.1 Max: 18.3
Current: 1.1
-4.7
18.3
3-Year EBITDA Growth Rate 1.80
IBOC's 3-Year EBITDA Growth Rate is ranked lower than
65% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. IBOC: 1.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
IBOC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -9.7  Med: 4.4 Max: 24
Current: 1.8
-9.7
24
3-Year EPS without NRI Growth Rate 2.40
IBOC's 3-Year EPS without NRI Growth Rate is ranked lower than
65% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. IBOC: 2.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
IBOC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -9.9  Med: 4.4 Max: 20.4
Current: 2.4
-9.9
20.4
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» IBOC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

IBOC Guru Trades in Q1 2016

David Dreman 276,335 sh (New)
Barrow, Hanley, Mewhinney & Strauss 51,876 sh (+5.93%)
Bernard Horn 167,963 sh (unchged)
Jim Simons 101,100 sh (-21.29%)
» More
Q2 2016

IBOC Guru Trades in Q2 2016

Jim Simons 135,300 sh (+33.83%)
Bernard Horn 167,963 sh (unchged)
David Dreman Sold Out
Barrow, Hanley, Mewhinney & Strauss 51,719 sh (-0.30%)
» More
Q3 2016

IBOC Guru Trades in Q3 2016

Barrow, Hanley, Mewhinney & Strauss 54,184 sh (+4.77%)
Bernard Horn 167,963 sh (unchged)
Jim Simons 134,000 sh (-0.96%)
» More
Q4 2016

IBOC Guru Trades in Q4 2016

Barrow, Hanley, Mewhinney & Strauss 53,800 sh (-0.71%)
Bernard Horn 142,563 sh (-15.12%)
Jim Simons 65,400 sh (-51.19%)
» More
» Details

Insider Trades

Latest Guru Trades with IBOC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:ONB, NAS:CVBF, NAS:FMBI, NAS:COLB, NAS:CBF, NYSE:GWB, NYSE:CBU, NAS:TRMK, NYSE:EVER, NAS:SSB, NAS:GBCI, NAS:HOPE, NAS:FFIN, NAS:EGBN, NAS:TOWN, NYSE:FCB, NAS:UCBI, NAS:SFBS, NAS:LTXB, NYSE:TCB » details
Traded in other countries:IB4.Germany,
International Bancshares Corp is a financial holding company. The Company through its bank subsidiaries provides commercial and retail banking services through offices.

International Bancshares Corp was originally incorporated under the General Corporation Law of the State of Delaware in 1979. Effective June 7, 1995, the Company's state of incorporation was changed from Delaware to Texas. It is a financial holding company The Company, through its bank subsidiaries, IBC, Commerce Bank, IBC-Zapata and IBC-Brownsville, is engaged in the business of banking, including the acceptance of checking and savings deposits and the making of commercial, real estate, personal, home improvement, automobile and other installment and term loans. Four bank subsidiaries provide commercial and retail banking services through 211 main banking and branch facilities located in located in the regions of Laredo, San Antonio, Houston, Zapata, Eagle Pass, the Rio Grande Valley of Texas, the Coastal Bend area of Texas, and throughout the State of Oklahoma. The Company either directly or through a bank subsidiary owns two insurance agencies. The primary market area of the Company is South, Central and Southeast Texas, an area bordered on the east by the Galveston area, to the northwest by Round Rock, to the southwest by Del Rio and to the southeast by Brownsville, as well as the State of Oklahoma. The Company, through its bank subsidiaries, competes for deposits and loans with other commercial banks, savings and loan associations, credit unions and non-bank entities, which non-bank entities serve as an alternative to traditional financial institutions and are considered to be formidable competitors. The Company and its bank subsidiaries do an amount of business for customers domiciled in Mexico, with an emphasis in Northern Mexico. In addition to the generally applicable state and Federal laws governing businesses and employers, the Company and its bank subsidiaries are further extensively regulated by special Federal and state laws governing financial institutions.

Ratios

vs
industry
vs
history
PE Ratio 17.13
IBOC's PE Ratio is ranked lower than
66% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. IBOC: 17.13 )
Ranked among companies with meaningful PE Ratio only.
IBOC' s PE Ratio Range Over the Past 10 Years
Min: 3.95  Med: 12.2 Max: 20.72
Current: 17.13
3.95
20.72
PE Ratio without NRI 17.13
IBOC's PE Ratio without NRI is ranked lower than
63% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. IBOC: 17.13 )
Ranked among companies with meaningful PE Ratio without NRI only.
IBOC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.95  Med: 12.2 Max: 20.72
Current: 17.13
3.95
20.72
Price-to-Owner-Earnings 17.64
IBOC's Price-to-Owner-Earnings is ranked lower than
65% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. IBOC: 17.64 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
IBOC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.74  Med: 12.79 Max: 32.01
Current: 17.64
5.74
32.01
PB Ratio 1.32
IBOC's PB Ratio is ranked lower than
59% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. IBOC: 1.32 )
Ranked among companies with meaningful PB Ratio only.
IBOC' s PB Ratio Range Over the Past 10 Years
Min: 0.47  Med: 1.08 Max: 2.41
Current: 1.32
0.47
2.41
PS Ratio 4.52
IBOC's PS Ratio is ranked lower than
72% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. IBOC: 4.52 )
Ranked among companies with meaningful PS Ratio only.
IBOC' s PS Ratio Range Over the Past 10 Years
Min: 0.97  Med: 3.1 Max: 5.47
Current: 4.52
0.97
5.47
Price-to-Free-Cash-Flow 13.94
IBOC's Price-to-Free-Cash-Flow is ranked lower than
58% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. IBOC: 13.94 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
IBOC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.61  Med: 11.59 Max: 28.19
Current: 13.94
4.61
28.19
Price-to-Operating-Cash-Flow 11.27
IBOC's Price-to-Operating-Cash-Flow is ranked lower than
52% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. IBOC: 11.27 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
IBOC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.21  Med: 8.55 Max: 18.32
Current: 11.27
4.21
18.32
EV-to-EBIT 14.76
IBOC's EV-to-EBIT is ranked lower than
65% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. IBOC: 14.76 )
Ranked among companies with meaningful EV-to-EBIT only.
IBOC' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.9  Med: 12.35 Max: 23.2
Current: 14.76
6.9
23.2
EV-to-EBITDA 13.11
IBOC's EV-to-EBITDA is ranked lower than
63% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. IBOC: 13.11 )
Ranked among companies with meaningful EV-to-EBITDA only.
IBOC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.7  Med: 10.6 Max: 18.8
Current: 13.11
5.7
18.8
PEG Ratio 8.14
IBOC's PEG Ratio is ranked lower than
93% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. IBOC: 8.14 )
Ranked among companies with meaningful PEG Ratio only.
IBOC' s PEG Ratio Range Over the Past 10 Years
Min: 0.98  Med: 5.21 Max: 416.67
Current: 8.14
0.98
416.67
Shiller PE Ratio 17.42
IBOC's Shiller PE Ratio is ranked higher than
65% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. IBOC: 17.42 )
Ranked among companies with meaningful Shiller PE Ratio only.
IBOC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.46  Med: 12.13 Max: 21.03
Current: 17.42
4.46
21.03

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.73
IBOC's Dividend Yield % is ranked lower than
72% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. IBOC: 1.73 )
Ranked among companies with meaningful Dividend Yield % only.
IBOC' s Dividend Yield % Range Over the Past 10 Years
Min: 1.01  Med: 2.15 Max: 6.59
Current: 1.73
1.01
6.59
Dividend Payout Ratio 0.30
IBOC's Dividend Payout Ratio is ranked higher than
56% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. IBOC: 0.30 )
Ranked among companies with meaningful Dividend Payout Ratio only.
IBOC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.18  Med: 0.26 Max: 0.37
Current: 0.3
0.18
0.37
3-Year Dividend Growth Rate 11.70
IBOC's 3-Year Dividend Growth Rate is ranked higher than
63% of the 772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. IBOC: 11.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
IBOC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -18.8  Med: 11.7 Max: 45.3
Current: 11.7
-18.8
45.3
Forward Dividend Yield % 1.85
IBOC's Forward Dividend Yield % is ranked lower than
74% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. IBOC: 1.85 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.91
IBOC's 5-Year Yield-on-Cost % is ranked lower than
55% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. IBOC: 2.91 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
IBOC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.69  Med: 3.59 Max: 11
Current: 2.91
1.69
11
3-Year Average Share Buyback Ratio 0.60
IBOC's 3-Year Average Share Buyback Ratio is ranked higher than
82% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. IBOC: 0.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
IBOC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.4  Med: 0.5 Max: 2.4
Current: 0.6
-1.4
2.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.58
IBOC's Price-to-Tangible-Book is ranked lower than
66% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. IBOC: 1.58 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
IBOC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.06  Med: 2.11 Max: 4.82
Current: 1.58
1.06
4.82
Price-to-Intrinsic-Value-Projected-FCF 0.81
IBOC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
51% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. IBOC: 0.81 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
IBOC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.52  Med: 0.76 Max: 1.22
Current: 0.81
0.52
1.22
Price-to-Median-PS-Value 1.46
IBOC's Price-to-Median-PS-Value is ranked lower than
77% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. IBOC: 1.46 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
IBOC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.71  Med: 1.14 Max: 1.73
Current: 1.46
0.71
1.73
Price-to-Graham-Number 1.09
IBOC's Price-to-Graham-Number is ranked lower than
62% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. IBOC: 1.09 )
Ranked among companies with meaningful Price-to-Graham-Number only.
IBOC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.76  Med: 1.11 Max: 1.9
Current: 1.09
0.76
1.9
Earnings Yield (Greenblatt) % 6.78
IBOC's Earnings Yield (Greenblatt) % is ranked higher than
51% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. IBOC: 6.78 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
IBOC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.3  Med: 8.1 Max: 14.5
Current: 6.78
4.3
14.5
Forward Rate of Return (Yacktman) % 9.25
IBOC's Forward Rate of Return (Yacktman) % is ranked lower than
58% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. IBOC: 9.25 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
IBOC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -0.6  Med: 8.75 Max: 20.4
Current: 9.25
-0.6
20.4

More Statistics

Revenue (TTM) (Mil) $506.5
EPS (TTM) $ 2.02
Beta1.45
Short Percentage of Float1.01%
52-Week Range $22.96 - 42.25
Shares Outstanding (Mil)65.99
» More Articles for IBOC

Headlines

Articles On GuruFocus.com
Bernard Horn Comments on International Bancshares Aug 07 2014 
Southside Bancshares Inc. (SBSI) Dividend Stock Analysis Dec 28 2012 
Southside Bancshares Inc. (SBSI) Dividend Stock Analysis Jun 15 2012 
The Best Stocks With Dividend Growth From Last Week (March 19 - 25, 2012) Mar 25 2012 
International Bancshares Corp. Reports Operating Results (10-K) Feb 28 2011 
Southside Bancshares Inc. (SBSI) Dividend Stock Analysis Feb 10 2011 
International Bancshares Corp. (IBOC) CEO Dennis E Nixon sells 58,144 Shares Dec 06 2010 
International Bancshares Corp. Reports Operating Results (10-Q) Nov 01 2010 
Eleven Stocks To Pay Higher Dividends: TXN, YUM, OFC, KR, IBOC, BMR, UDR, PCAR, LHO, CLNY, MMC Sep 20 2010 
International Bancshares Corp. Reports Operating Results (10-Q) Aug 05 2010 

More From Other Websites
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Forbes Magazine Ranks International Bancshares Corporation among Nation’s Best Mar 06 2017
INTERNATIONAL BANCSHARES CORP Financials Mar 03 2017
International Bancshares Corp. breached its 50 day moving average in a Bearish Manner : IBOC-US :... Mar 03 2017
International Bancshares Corp. :IBOC-US: Earnings Analysis: 2016 By the Numbers : March 2, 2017 Mar 02 2017
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IBC Bank earnings take a hit in 2016 Feb 27 2017
INTERNATIONAL BANCSHARES CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 27 2017
IBC Reports Strong 2016 Earnings Feb 27 2017
Several institutional investors buy more shares of IBC Bank Feb 09 2017
ETFs with exposure to International Bancshares Corp. : January 17, 2017 Jan 17 2017
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International Bancshares Corp. :IBOC-US: Earnings Analysis: Q3, 2016 By the Numbers : November 10,... Nov 10 2016

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