Switch to:

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 : 6/10

vs
industry
vs
history
Cash to Debt 0.26
IBOC's Cash to Debt is ranked higher than
55% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. IBOC: 0.26 )
IBOC' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.26

Equity to Asset 0.12
IBOC's Equity to Asset is ranked higher than
82% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. IBOC: 0.12 )
IBOC' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.14
Current: 0.12

0.06
0.14
Interest Coverage 3.34
IBOC's Interest Coverage is ranked higher than
85% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. IBOC: 3.34 )
IBOC' s 10-Year Interest Coverage Range
Min: 0.43   Max: 3.34
Current: 3.34

0.43
3.34
F-Score: 6
Z-Score: 0.35
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 : 6/10

vs
industry
vs
history
Operating margin (%) 36.65
IBOC's Operating margin (%) is ranked higher than
83% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. IBOC: 36.65 )
IBOC' s 10-Year Operating margin (%) Range
Min: -137.94   Max: 52.07
Current: 36.65

-137.94
52.07
Net-margin (%) 25.36
IBOC's Net-margin (%) is ranked higher than
81% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. IBOC: 25.36 )
IBOC' s 10-Year Net-margin (%) Range
Min: 21.49   Max: 128.57
Current: 25.36

21.49
128.57
ROE (%) 8.87
IBOC's ROE (%) is ranked higher than
78% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. IBOC: 8.87 )
IBOC' s 10-Year ROE (%) Range
Min: 7.51   Max: 21.15
Current: 8.87

7.51
21.15
ROA (%) 1.05
IBOC's ROA (%) is ranked higher than
84% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. IBOC: 1.05 )
IBOC' s 10-Year ROA (%) Range
Min: 0.91   Max: 1.86
Current: 1.05

0.91
1.86
ROC (Joel Greenblatt) (%) 36.17
IBOC's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. IBOC: 36.17 )
IBOC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -53.45   Max: 86.14
Current: 36.17

-53.45
86.14
Revenue Growth (%) -3.70
IBOC's Revenue Growth (%) is ranked higher than
63% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. IBOC: -3.70 )
IBOC' s 10-Year Revenue Growth (%) Range
Min: -4.7   Max: 80.9
Current: -3.7

-4.7
80.9
EBITDA Growth (%) -3.70
IBOC's EBITDA Growth (%) is ranked higher than
60% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. IBOC: -3.70 )
IBOC' s 10-Year EBITDA Growth (%) Range
Min: -9.7   Max: 24.1
Current: -3.7

-9.7
24.1
EPS Growth (%) 3.00
IBOC's EPS Growth (%) is ranked higher than
67% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. IBOC: 3.00 )
IBOC' s 10-Year EPS Growth (%) Range
Min: -9.9   Max: 20.5
Current: 3

-9.9
20.5
» IBOC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2013

IBOC Guru Trades in Q2 2013

Bernard Horn 112,063 sh (unchged)
David Dreman 328,953 sh (-14.73%)
» More
Q3 2013

IBOC Guru Trades in Q3 2013

Bernard Horn 112,063 sh (unchged)
David Dreman 92,829 sh (-71.78%)
» More
Q4 2013

IBOC Guru Trades in Q4 2013

David Dreman 106,207 sh (+14.41%)
Bernard Horn 112,063 sh (unchged)
» More
Q1 2014

IBOC Guru Trades in Q1 2014

Bernard Horn 141,263 sh (+26.06%)
David Dreman 109,526 sh (+3.13%)
» More
» Details

Insider Trades

Latest Guru Trades with IBOC

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Dreman 2013-09-30 Reduce -71.78%0.14%$21.33 - $25.24 $ 25.810%92829
David Dreman 2012-03-31 Add 57%0.07%$18.47 - $21.79 $ 25.839%406090
David Dreman 2011-12-31 New Buy0.11%$12.49 - $19.31 $ 25.849%258662
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.30
IBOC's P/E(ttm) is ranked higher than
84% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. IBOC: 12.30 )
IBOC' s 10-Year P/E(ttm) Range
Min: 3.95   Max: 19.2
Current: 12.3

3.95
19.2
P/B 1.20
IBOC's P/B is ranked higher than
71% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. IBOC: 1.20 )
IBOC' s 10-Year P/B Range
Min: 0.47   Max: 3.68
Current: 1.2

0.47
3.68
P/S 3.36
IBOC's P/S is ranked higher than
67% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. IBOC: 3.36 )
IBOC' s 10-Year P/S Range
Min: 0.97   Max: 6.41
Current: 3.36

0.97
6.41
PFCF 10.90
IBOC's PFCF is ranked higher than
74% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. IBOC: 10.90 )
IBOC' s 10-Year PFCF Range
Min: 4.59   Max: 19.23
Current: 10.9

4.59
19.23
EV-to-EBIT 12.91
IBOC's EV-to-EBIT is ranked higher than
81% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. IBOC: 12.91 )
IBOC' s 10-Year EV-to-EBIT Range
Min: 6.9   Max: 29.1
Current: 12.91

6.9
29.1
PEG 11.10
IBOC's PEG is ranked higher than
71% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. IBOC: 11.10 )
IBOC' s 10-Year PEG Range
Min: 0.7   Max: 31.59
Current: 11.1

0.7
31.59
Shiller P/E 13.80
IBOC's Shiller P/E is ranked higher than
92% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.15 vs. IBOC: 13.80 )
IBOC' s 10-Year Shiller P/E Range
Min: 3.97   Max: 26.83
Current: 13.8

3.97
26.83

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.86
IBOC's Dividend Yield is ranked lower than
61% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. IBOC: 1.86 )
IBOC' s 10-Year Dividend Yield Range
Min: 1.45   Max: 5.45
Current: 1.86

1.45
5.45
Dividend Payout 0.23
IBOC's Dividend Payout is ranked higher than
81% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. IBOC: 0.23 )
IBOC' s 10-Year Dividend Payout Range
Min: 0.27   Max: 0.7
Current: 0.23

0.27
0.7
Dividend growth (3y) 6.10
IBOC's Dividend growth (3y) is ranked higher than
77% of the 962 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. IBOC: 6.10 )
IBOC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 63.5
Current: 6.1

0
63.5
Yield on cost (5-Year) 2.53
IBOC's Yield on cost (5-Year) is ranked higher than
50% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. IBOC: 2.53 )
IBOC' s 10-Year Yield on cost (5-Year) Range
Min: 1.93   Max: 7.26
Current: 2.53

1.93
7.26
Share Buyback Rate 0.30
IBOC's Share Buyback Rate is ranked higher than
89% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. IBOC: 0.30 )
IBOC' s 10-Year Share Buyback Rate Range
Min: 2.3   Max: -7.4
Current: 0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
IBOC's Price/Tangible Book is ranked higher than
68% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. IBOC: 1.50 )
IBOC' s 10-Year Price/Tangible Book Range
Min: 0.66   Max: 5.75
Current: 1.5

0.66
5.75
Price/DCF (Projected) 0.70
IBOC's Price/DCF (Projected) is ranked higher than
80% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. IBOC: 0.70 )
IBOC' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 1.01
Current: 0.7

0.24
1.01
Price/Median PS Value 1.10
IBOC's Price/Median PS Value is ranked higher than
75% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. IBOC: 1.10 )
IBOC' s 10-Year Price/Median PS Value Range
Min: 0.32   Max: 6.36
Current: 1.1

0.32
6.36
Price/Graham Number 0.90
IBOC's Price/Graham Number is ranked higher than
79% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. IBOC: 0.90 )
IBOC' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 2.09
Current: 0.9

0.3
2.09
Earnings Yield (Greenblatt) 7.70
IBOC's Earnings Yield (Greenblatt) is ranked higher than
75% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. IBOC: 7.70 )
IBOC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.4   Max: 14.5
Current: 7.7

3.4
14.5
Forward Rate of Return (Yacktman) -0.70
IBOC's Forward Rate of Return (Yacktman) is ranked higher than
52% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. IBOC: -0.70 )
IBOC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.2   Max: 29.6
Current: -0.7

-0.2
29.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
International Bancshares Corporation 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 with its principal corporate offices in Laredo, Texas. 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 217 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 is one of the independent commercial bank holding companies headquartered in Texas. The Company, through its bank subsidiaries, is in the business of gathering funds from various sources and investing those funds in order to earn a return. The Company either directly or through a bank subsidiary owns two insurance agencies, a liquidating subsidiary, a broker/dealer and a fifty percent interest in an investment banking unit that owns a broker/dealer. The Company's main earnings come from the spread between the interest earned on interest-bearing assets and the interest paid on interest-bearing liabilities. In addition, the Company generates income from fees on products offered to commercial, consumer and international customers. 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.
» More Articles for IBOC

Headlines

Articles On GuruFocus.com
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 
IBC Reports Strong Earnings Performance Aug 04 2009 

More From Other Websites
Carlyle Buyout of New York Vitamin Firm Spurs SEC Insider Suit May 22 2014
INTERNATIONAL BANCSHARES CORP Files SEC form 8-K, Submission of Matters to a Vote of Security... May 21 2014
INTERNATIONAL BANCSHARES CORP Financials May 10 2014
IBC Announces Strong First Quarter 2014 Earnings May 05 2014
INTERNATIONAL BANCSHARES CORP Files SEC form 8-K, Results of Operations and Financial Condition,... May 05 2014
INTERNATIONAL BANCSHARES CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 21 2014
International Bancshares Corporation Named to Forbes’ 2014 List of America’s 50 Most Trustworthy... Apr 21 2014
Dividend Champions For April 2014 Apr 01 2014
International Bancshares: Big Texas Bank, Big Potential Upside Mar 26 2014
INTERNATIONAL BANCSHARES CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 21 2014
International Bancshares raises dividend 8.7% to 25c Mar 21 2014
International Bancshares Corporation Announces Increased Cash Dividend Mar 21 2014
INTERNATIONAL BANCSHARES CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 10 2014
International Bancshares extends share repurchase program Mar 10 2014
International Bancshares Corporation Announces Extension of Stock Repurchase Program Mar 10 2014
INTERNATIONAL BANCSHARES CORP Files SEC form 8-K, Other Events Mar 07 2014
Mark W. Funke and Joe T. Shockley, Jr, President and CEO & Executive Vice President and CFO of... Mar 04 2014
INTERNATIONAL BANCSHARES CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 24 2014
IBC Announces Strong 2013 Earnings Feb 24 2014
IBC Bank and LPL Financial Congratulate Fernando Montemayor and Julian Cruz for Recognition in Bank... Dec 30 2013

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Email Hide