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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.41
IBOC's Cash to Debt is ranked lower than
74% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. IBOC: 0.41 )
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: 0.72
Current: 0.41
0.09
0.72
Equity to Asset 0.14
IBOC's Equity to Asset is ranked higher than
81% of the 1660 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 Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.14
Current: 0.14
0.07
0.14
Interest Coverage 4.67
IBOC's Interest Coverage is ranked higher than
79% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. IBOC: 4.67 )
Ranked among companies with meaningful Interest Coverage only.
IBOC' s Interest Coverage Range Over the Past 10 Years
Min: 0.53  Med: 1.90 Max: 4.94
Current: 4.67
0.53
4.94
F-Score: 5
M-Score: -2.36
WACC vs ROIC
9.27%
5.78%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 40.70
IBOC's Operating margin (%) is ranked higher than
71% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. IBOC: 40.70 )
Ranked among companies with meaningful Operating margin (%) only.
IBOC' s Operating margin (%) Range Over the Past 10 Years
Min: 31.57  Med: 37.26 Max: 43.76
Current: 40.7
31.57
43.76
Net-margin (%) 26.91
IBOC's Net-margin (%) is ranked higher than
63% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. IBOC: 26.91 )
Ranked among companies with meaningful Net-margin (%) only.
IBOC' s Net-margin (%) Range Over the Past 10 Years
Min: 21.49  Med: 25.18 Max: 29.15
Current: 26.91
21.49
29.15
ROE (%) 8.39
IBOC's ROE (%) is ranked higher than
50% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. IBOC: 8.39 )
Ranked among companies with meaningful ROE (%) only.
IBOC' s ROE (%) Range Over the Past 10 Years
Min: 6.16  Med: 9.29 Max: 14.31
Current: 8.39
6.16
14.31
ROA (%) 1.13
IBOC's ROA (%) is ranked higher than
66% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. IBOC: 1.13 )
Ranked among companies with meaningful ROA (%) only.
IBOC' s ROA (%) Range Over the Past 10 Years
Min: 0.91  Med: 1.10 Max: 1.26
Current: 1.13
0.91
1.26
Revenue Growth (3Y)(%) 0.80
IBOC's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. IBOC: 0.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
IBOC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.7  Med: 8.80 Max: 80.6
Current: 0.8
-4.7
80.6
EBITDA Growth (3Y)(%) 7.40
IBOC's EBITDA Growth (3Y)(%) is ranked higher than
53% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. IBOC: 7.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
IBOC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.7  Med: 5.55 Max: 24
Current: 7.4
-9.7
24
EPS Growth (3Y)(%) 13.90
IBOC's EPS Growth (3Y)(%) is ranked higher than
67% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. IBOC: 13.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
IBOC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.9  Med: 9.50 Max: 20.3
Current: 13.9
-9.9
20.3
» IBOC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-05-08)


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

» Details

Guru Trades

Q1 2015

IBOC Guru Trades in Q1 2015

Barrow, Hanley, Mewhinney & Strauss 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%)
Barrow, Hanley, Mewhinney & Strauss 48,605 sh (+5.42%)
Bernard Horn 141,263 sh (unchged)
» More
Q3 2015

IBOC Guru Trades in Q3 2015

Jim Simons 30,737 sh (New)
David Dreman 274,656 sh (+13.53%)
Barrow, Hanley, Mewhinney & Strauss 48,605 sh (unchged)
Bernard Horn 141,263 sh (unchged)
» More
Q4 2015

IBOC Guru Trades in Q4 2015

Jim Simons 128,451 sh (+317.90%)
Bernard Horn 167,963 sh (+18.90%)
Barrow, Hanley, Mewhinney & Strauss 48,973 sh (+0.76%)
David Dreman Sold Out
» 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) 12.71
IBOC's P/E(ttm) is ranked lower than
51% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. IBOC: 12.71 )
Ranked among companies with meaningful P/E(ttm) only.
IBOC' s P/E(ttm) Range Over the Past 10 Years
Min: 3.95  Med: 12.18 Max: 17.26
Current: 12.71
3.95
17.26
PE(NRI) 12.78
IBOC's PE(NRI) is ranked lower than
51% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. IBOC: 12.78 )
Ranked among companies with meaningful PE(NRI) only.
IBOC' s PE(NRI) Range Over the Past 10 Years
Min: 3.95  Med: 12.17 Max: 17.25
Current: 12.78
3.95
17.25
Price/Owner Earnings (ttm) 13.84
IBOC's Price/Owner Earnings (ttm) is ranked lower than
62% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. IBOC: 13.84 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
IBOC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.73  Med: 12.25 Max: 31.55
Current: 13.84
5.73
31.55
P/B 1.04
IBOC's P/B is ranked higher than
50% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. IBOC: 1.04 )
Ranked among companies with meaningful P/B only.
IBOC' s P/B Range Over the Past 10 Years
Min: 0.47  Med: 1.09 Max: 2.47
Current: 1.04
0.47
2.47
P/S 3.43
IBOC's P/S is ranked lower than
60% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. IBOC: 3.43 )
Ranked among companies with meaningful P/S only.
IBOC' s P/S Range Over the Past 10 Years
Min: 0.97  Med: 3.09 Max: 4.42
Current: 3.43
0.97
4.42
PFCF 9.50
IBOC's PFCF is ranked higher than
58% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. IBOC: 9.50 )
Ranked among companies with meaningful PFCF only.
IBOC' s PFCF Range Over the Past 10 Years
Min: 4.61  Med: 12.18 Max: 28.19
Current: 9.5
4.61
28.19
POCF 8.57
IBOC's POCF is ranked higher than
55% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. IBOC: 8.57 )
Ranked among companies with meaningful POCF only.
IBOC' s POCF Range Over the Past 10 Years
Min: 4.21  Med: 8.56 Max: 18.32
Current: 8.57
4.21
18.32
EV-to-EBIT 10.25
IBOC's EV-to-EBIT is ranked higher than
64% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. IBOC: 10.25 )
Ranked among companies with meaningful EV-to-EBIT only.
IBOC' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.9  Med: 12.50 Max: 23.2
Current: 10.25
6.9
23.2
EV-to-EBITDA 9.12
IBOC's EV-to-EBITDA is ranked higher than
66% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. IBOC: 9.12 )
Ranked among companies with meaningful EV-to-EBITDA only.
IBOC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.7  Med: 10.70 Max: 18.8
Current: 9.12
5.7
18.8
PEG 12.80
IBOC's PEG is ranked lower than
96% of the 724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. IBOC: 12.80 )
Ranked among companies with meaningful PEG only.
IBOC' s PEG Range Over the Past 10 Years
Min: 0.78  Med: 4.05 Max: 414.33
Current: 12.8
0.78
414.33
Shiller P/E 13.45
IBOC's Shiller P/E is ranked higher than
72% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. IBOC: 13.45 )
Ranked among companies with meaningful Shiller P/E only.
IBOC' s Shiller P/E Range Over the Past 10 Years
Min: 4.49  Med: 12.03 Max: 20.54
Current: 13.45
4.49
20.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.21
IBOC's Dividend Yield is ranked lower than
64% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. IBOC: 2.21 )
Ranked among companies with meaningful Dividend Yield only.
IBOC' s Dividend Yield Range Over the Past 10 Years
Min: 1.01  Med: 2.14 Max: 6.59
Current: 2.21
1.01
6.59
Dividend Payout 0.28
IBOC's Dividend Payout is ranked higher than
61% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. IBOC: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
IBOC' s Dividend Payout Range Over the Past 10 Years
Min: 0.06  Med: 0.23 Max: 0.38
Current: 0.28
0.06
0.38
Dividend Growth (3y) 13.20
IBOC's Dividend Growth (3y) is ranked higher than
64% of the 742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. IBOC: 13.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
IBOC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 11.00 Max: 63.5
Current: 13.2
0
63.5
Forward Dividend Yield 2.21
IBOC's Forward Dividend Yield is ranked lower than
68% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. IBOC: 2.21 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.64
IBOC's Yield on cost (5-Year) is ranked higher than
55% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. IBOC: 3.64 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
IBOC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.64  Med: 3.48 Max: 10.71
Current: 3.64
1.64
10.71
3-Year Average Share Buyback Ratio 0.30
IBOC's 3-Year Average Share Buyback Ratio is ranked higher than
82% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. IBOC: 0.30 )
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: -1.7  Med: 0.30 Max: 2.3
Current: 0.3
-1.7
2.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.26
IBOC's Price/Tangible Book is ranked lower than
60% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. IBOC: 1.26 )
Ranked among companies with meaningful Price/Tangible Book only.
IBOC' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.06  Med: 2.11 Max: 4.82
Current: 1.26
1.06
4.82
Price/Projected FCF 0.63
IBOC's Price/Projected FCF is ranked higher than
54% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. IBOC: 0.63 )
Ranked among companies with meaningful Price/Projected FCF only.
IBOC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.52  Med: 0.75 Max: 1.22
Current: 0.63
0.52
1.22
Price/Median PS Value 1.11
IBOC's Price/Median PS Value is ranked lower than
65% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. IBOC: 1.11 )
Ranked among companies with meaningful Price/Median PS Value only.
IBOC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.71  Med: 1.13 Max: 1.75
Current: 1.11
0.71
1.75
Price/Graham Number 0.85
IBOC's Price/Graham Number is ranked lower than
52% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. IBOC: 0.85 )
Ranked among companies with meaningful Price/Graham Number only.
IBOC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.76  Med: 1.06 Max: 1.91
Current: 0.85
0.76
1.91
Earnings Yield (Greenblatt) (%) 9.80
IBOC's Earnings Yield (Greenblatt) (%) is ranked higher than
68% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. IBOC: 9.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
IBOC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.3  Med: 8.00 Max: 14.5
Current: 9.8
4.3
14.5
Forward Rate of Return (Yacktman) (%) 9.88
IBOC's Forward Rate of Return (Yacktman) (%) is ranked lower than
57% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. IBOC: 9.88 )
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: 9.10 Max: 22.2
Current: 9.88
-0.6
22.2

More Statistics

Revenue(Mil) $508
EPS $ 2.06
Beta1.45
Short Percentage of Float2.82%
52-Week Range $21.05 - 31.00
Shares Outstanding(Mil)65.93

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:UMPQ, NYSE:WBS, NYSE:FHN, NAS:PVTB, NAS:BPOP, NAS:FCNCA » 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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