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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 lower than
78% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. IBOC: 0.26 )
Ranked among companies with meaningful Cash to Debt only.
IBOC' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.17 Max: N/A
Current: 0.26
Equity to Asset 0.14
IBOC's Equity to Asset is ranked higher than
81% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. IBOC: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
IBOC' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.14
Current: 0.14
0.06
0.14
Interest Coverage 4.94
IBOC's Interest Coverage is ranked higher than
80% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. IBOC: 4.94 )
Ranked among companies with meaningful Interest Coverage only.
IBOC' s 10-Year Interest Coverage Range
Min: 0.43  Med: 1.20 Max: 4.94
Current: 4.94
0.43
4.94
F-Score: 5
WACC vs ROIC
9.19%
5.70%
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 (%) 42.67
IBOC's Operating margin (%) is ranked higher than
76% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. IBOC: 42.67 )
Ranked among companies with meaningful Operating margin (%) only.
IBOC' s 10-Year Operating margin (%) Range
Min: -137.94  Med: 40.41 Max: 52.07
Current: 42.67
-137.94
52.07
Net-margin (%) 28.03
IBOC's Net-margin (%) is ranked higher than
68% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. IBOC: 28.03 )
Ranked among companies with meaningful Net-margin (%) only.
IBOC' s 10-Year Net-margin (%) Range
Min: 21.49  Med: 29.20 Max: 128.57
Current: 28.03
21.49
128.57
ROE (%) 8.96
IBOC's ROE (%) is ranked higher than
53% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. IBOC: 8.96 )
Ranked among companies with meaningful ROE (%) only.
IBOC' s 10-Year ROE (%) Range
Min: 6.16  Med: 15.09 Max: 21.72
Current: 8.96
6.16
21.72
ROA (%) 1.16
IBOC's ROA (%) is ranked higher than
69% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. IBOC: 1.16 )
Ranked among companies with meaningful ROA (%) only.
IBOC' s 10-Year ROA (%) Range
Min: 0.91  Med: 1.24 Max: 1.87
Current: 1.16
0.91
1.87
Revenue Growth (3Y)(%) 0.30
IBOC's Revenue Growth (3Y)(%) is ranked lower than
60% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. IBOC: 0.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
IBOC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -4.7  Med: 9.00 Max: 80.9
Current: 0.3
-4.7
80.9
EBITDA Growth (3Y)(%) 3.70
IBOC's EBITDA Growth (3Y)(%) is ranked lower than
62% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. IBOC: 3.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
IBOC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -9.7  Med: 4.40 Max: 24.1
Current: 3.7
-9.7
24.1
EPS Growth (3Y)(%) 10.50
IBOC's EPS Growth (3Y)(%) is ranked higher than
53% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. IBOC: 10.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
IBOC' s 10-Year EPS Growth (3Y)(%) Range
Min: -9.9  Med: 4.40 Max: 20.5
Current: 10.5
-9.9
20.5
» IBOC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

IBOC Guru Trades in Q3 2014

David Dreman 111,148 sh (+1.42%)
Bernard Horn 141,263 sh (unchged)
» More
Q4 2014

IBOC Guru Trades in Q4 2014

David Dreman 116,815 sh (+5.10%)
Bernard Horn 141,263 sh (unchged)
» More
Q1 2015

IBOC Guru Trades in Q1 2015

James Barrow 46,107 sh (New)
David Dreman 226,878 sh (+94.22%)
Bernard Horn 141,263 sh (unchged)
» More
Q2 2015

IBOC Guru Trades in Q2 2015

David Dreman 241,920 sh (+6.63%)
James Barrow 48,605 sh (+5.42%)
Bernard Horn 141,263 sh (unchged)
» 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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Guru Investment Theses on International Bancshares Corp

Bernard Horn Comments on International Bancshares - Aug 07, 2014

Among financials, Texas-based International Bancshares (IBOC) reported healthy first quarter 2014 results, with a 55% rise in net income and 54.8% increase in diluted earnings per share compared to the prior year period. The banking institution pointed to rising net interest margins, attributable to higher net interest income from its investment portfolio, an increase in outstanding high quality loans, and a decrease in interest expense on securities sold under repurchase agreements.

From Bernard Horn (Trades, Portfolio)’s Polaris Global Value Fund Second Quarter 2014 Shareholder Letter.

Check out Bernard Horn latest stock trades

Ratios

vs
industry
vs
history
P/E(ttm) 11.45
IBOC's P/E(ttm) is ranked higher than
59% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. IBOC: 11.45 )
Ranked among companies with meaningful P/E(ttm) only.
IBOC' s 10-Year P/E(ttm) Range
Min: 3.95  Med: 12.35 Max: 18.31
Current: 11.45
3.95
18.31
Forward P/E 10.42
IBOC's Forward P/E is ranked higher than
64% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. IBOC: 10.42 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.80
IBOC's PE(NRI) is ranked higher than
58% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. IBOC: 11.80 )
Ranked among companies with meaningful PE(NRI) only.
IBOC' s 10-Year PE(NRI) Range
Min: 3.95  Med: 12.33 Max: 18.22
Current: 11.8
3.95
18.22
P/B 1.00
IBOC's P/B is ranked higher than
53% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. IBOC: 1.00 )
Ranked among companies with meaningful P/B only.
IBOC' s 10-Year P/B Range
Min: 0.47  Med: 1.12 Max: 2.88
Current: 1
0.47
2.88
P/S 3.22
IBOC's P/S is ranked lower than
61% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. IBOC: 3.22 )
Ranked among companies with meaningful P/S only.
IBOC' s 10-Year P/S Range
Min: 0.97  Med: 3.13 Max: 5.92
Current: 3.22
0.97
5.92
PFCF 9.15
IBOC's PFCF is ranked higher than
56% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. IBOC: 9.15 )
Ranked among companies with meaningful PFCF only.
IBOC' s 10-Year PFCF Range
Min: 4.59  Med: 13.29 Max: 28.28
Current: 9.15
4.59
28.28
POCF 7.70
IBOC's POCF is ranked higher than
57% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. IBOC: 7.70 )
Ranked among companies with meaningful POCF only.
IBOC' s 10-Year POCF Range
Min: 4.21  Med: 8.76 Max: 18.52
Current: 7.7
4.21
18.52
EV-to-EBIT 10.93
IBOC's EV-to-EBIT is ranked higher than
63% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. IBOC: 10.93 )
Ranked among companies with meaningful EV-to-EBIT only.
IBOC' s 10-Year EV-to-EBIT Range
Min: 6.9  Med: 13.00 Max: 23.2
Current: 10.93
6.9
23.2
Shiller P/E 12.75
IBOC's Shiller P/E is ranked higher than
66% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. IBOC: 12.75 )
Ranked among companies with meaningful Shiller P/E only.
IBOC' s 10-Year Shiller P/E Range
Min: 4.02  Med: 12.31 Max: 22.74
Current: 12.75
4.02
22.74
Days Sales Outstanding 22.66
IBOC's Days Sales Outstanding is ranked higher than
75% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. IBOC: 22.66 )
Ranked among companies with meaningful Days Sales Outstanding only.
IBOC' s 10-Year Days Sales Outstanding Range
Min: 21.86  Med: 39.71 Max: 260.1
Current: 22.66
21.86
260.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.31
IBOC's Dividend Yield is ranked lower than
62% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. IBOC: 2.31 )
Ranked among companies with meaningful Dividend Yield only.
IBOC' s 10-Year Dividend Yield Range
Min: 0.77  Med: 2.10 Max: 6.59
Current: 2.31
0.77
6.59
Dividend Payout 0.26
IBOC's Dividend Payout is ranked higher than
64% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. IBOC: 0.26 )
Ranked among companies with meaningful Dividend Payout only.
IBOC' s 10-Year Dividend Payout Range
Min: 0.27  Med: 0.48 Max: 0.7
Current: 0.26
0.27
0.7
Dividend growth (3y) 11.00
IBOC's Dividend growth (3y) is ranked higher than
61% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. IBOC: 11.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
IBOC' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 8.00 Max: 63.5
Current: 11
0
63.5
Yield on cost (5-Year) 3.41
IBOC's Yield on cost (5-Year) is ranked higher than
51% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. IBOC: 3.41 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
IBOC' s 10-Year Yield on cost (5-Year) Range
Min: 1.14  Med: 3.10 Max: 9.73
Current: 3.41
1.14
9.73
Share Buyback Rate 0.30
IBOC's Share Buyback Rate is ranked higher than
82% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. IBOC: 0.30 )
Ranked among companies with meaningful Share Buyback Rate only.
IBOC' s 10-Year Share Buyback Rate Range
Min: 2.3  Med: 0.30 Max: -7.4
Current: 0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
IBOC's Price/Tangible Book is ranked lower than
57% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. IBOC: 1.20 )
Ranked among companies with meaningful Price/Tangible Book only.
IBOC' s 10-Year Price/Tangible Book Range
Min: 0.66  Med: 2.35 Max: 5.99
Current: 1.2
0.66
5.99
Price/Projected FCF 0.59
IBOC's Price/Projected FCF is ranked higher than
56% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. IBOC: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
IBOC' s 10-Year Price/Projected FCF Range
Min: 0.28  Med: 0.76 Max: 1.42
Current: 0.59
0.28
1.42
Price/Median PS Value 1.03
IBOC's Price/Median PS Value is ranked lower than
54% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. IBOC: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
IBOC' s 10-Year Price/Median PS Value Range
Min: 0.32  Med: 1.14 Max: 6.42
Current: 1.03
0.32
6.42
Price/Graham Number 0.78
IBOC's Price/Graham Number is ranked higher than
53% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. IBOC: 0.78 )
Ranked among companies with meaningful Price/Graham Number only.
IBOC' s 10-Year Price/Graham Number Range
Min: 0.3  Med: 1.09 Max: 2.18
Current: 0.78
0.3
2.18
Earnings Yield (Greenblatt) (%) 9.21
IBOC's Earnings Yield (Greenblatt) (%) is ranked higher than
67% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. IBOC: 9.21 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
IBOC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.3  Med: 7.70 Max: 14.5
Current: 9.21
4.3
14.5
Forward Rate of Return (Yacktman) (%) 9.34
IBOC's Forward Rate of Return (Yacktman) (%) is ranked lower than
62% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. IBOC: 9.34 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
IBOC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -1.3  Med: 8.70 Max: 24.6
Current: 9.34
-1.3
24.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:IB4.Germany,
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.
» 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 

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