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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 0.32
NAS:IBOC's Cash to Debt is ranked lower than
81% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. NAS:IBOC: 0.32 )
Ranked among companies with meaningful Cash to Debt only.
NAS:IBOC' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.18 Max: N/A
Current: 0.32
Equity to Asset 0.15
NAS:IBOC's Equity to Asset is ranked higher than
85% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:IBOC: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
NAS:IBOC' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 0.15
Current: 0.15
0.06
0.15
Interest Coverage 4.49
NAS:IBOC's Interest Coverage is ranked higher than
77% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. NAS:IBOC: 4.49 )
Ranked among companies with meaningful Interest Coverage only.
NAS:IBOC' s Interest Coverage Range Over the Past 10 Years
Min: 0.53  Med: 1.9 Max: 4.94
Current: 4.49
0.53
4.94
F-Score: 5
M-Score: -2.46
WACC vs ROIC
10.48%
6.04%
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 (%) 39.34
NAS:IBOC's Operating margin (%) is ranked higher than
69% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. NAS:IBOC: 39.34 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:IBOC' s Operating margin (%) Range Over the Past 10 Years
Min: 31.57  Med: 37.26 Max: 43.76
Current: 39.34
31.57
43.76
Net-margin (%) 26.71
NAS:IBOC's Net-margin (%) is ranked higher than
64% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. NAS:IBOC: 26.71 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:IBOC' s Net-margin (%) Range Over the Past 10 Years
Min: 21.49  Med: 25.18 Max: 29.15
Current: 26.71
21.49
29.15
ROE (%) 7.84
NAS:IBOC's ROE (%) is ranked lower than
54% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. NAS:IBOC: 7.84 )
Ranked among companies with meaningful ROE (%) only.
NAS:IBOC' s ROE (%) Range Over the Past 10 Years
Min: 6.16  Med: 9.29 Max: 14.31
Current: 7.84
6.16
14.31
ROA (%) 1.12
NAS:IBOC's ROA (%) is ranked higher than
66% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NAS:IBOC: 1.12 )
Ranked among companies with meaningful ROA (%) only.
NAS:IBOC' s ROA (%) Range Over the Past 10 Years
Min: 0.91  Med: 1.1 Max: 1.26
Current: 1.12
0.91
1.26
Revenue Growth (3Y)(%) 0.80
NAS:IBOC's Revenue Growth (3Y)(%) is ranked lower than
62% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. NAS:IBOC: 0.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:IBOC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.7  Med: 8.8 Max: 80.6
Current: 0.8
-4.7
80.6
EBITDA Growth (3Y)(%) 7.40
NAS:IBOC's EBITDA Growth (3Y)(%) is ranked higher than
55% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NAS:IBOC: 7.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:IBOC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.7  Med: 5.9 Max: 24
Current: 7.4
-9.7
24
EPS Growth (3Y)(%) 13.80
NAS:IBOC's EPS Growth (3Y)(%) is ranked higher than
68% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:IBOC: 13.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:IBOC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.9  Med: 9.5 Max: 20.4
Current: 13.8
-9.9
20.4
» NAS:IBOC's 10-Y Financials

Financials


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

» Details

Guru Trades

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
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
» Details

Insider Trades

Latest Guru Trades with IBOC

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:FULT, NYSE:CBU, NAS:GBCI, NYSE:EVER, NYSE:BXS, NAS:HOPE, NAS:ONB, NAS:TRMK, NAS:CVBF, NAS:COLB, NYSE:GWB, NAS:CATY, NYSE:VLY, NYSE:TCB, NAS:FFIN, NAS:PNFP, NAS:SSB, NYSE:STL, NAS:FMBI, NYSE:FNB » 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
P/E(ttm) 20.66
IBOC's P/E(ttm) is ranked lower than
72% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. IBOC: 20.66 )
Ranked among companies with meaningful P/E(ttm) only.
IBOC' s P/E(ttm) Range Over the Past 10 Years
Min: 3.95  Med: 12.2 Max: 20.68
Current: 20.66
3.95
20.68
PE(NRI) 20.66
IBOC's PE(NRI) is ranked lower than
72% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. IBOC: 20.66 )
Ranked among companies with meaningful PE(NRI) only.
IBOC' s PE(NRI) Range Over the Past 10 Years
Min: 3.95  Med: 12.2 Max: 20.68
Current: 20.66
3.95
20.68
Price/Owner Earnings (ttm) 25.98
IBOC's Price/Owner Earnings (ttm) is ranked lower than
81% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. IBOC: 25.98 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
IBOC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.74  Med: 12.59 Max: 32.01
Current: 25.98
5.74
32.01
P/B 1.56
IBOC's P/B is ranked lower than
70% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. IBOC: 1.56 )
Ranked among companies with meaningful P/B only.
IBOC' s P/B Range Over the Past 10 Years
Min: 0.47  Med: 1.08 Max: 2.41
Current: 1.56
0.47
2.41
P/S 5.47
IBOC's P/S is ranked lower than
79% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. IBOC: 5.47 )
Ranked among companies with meaningful P/S only.
IBOC' s P/S Range Over the Past 10 Years
Min: 0.97  Med: 3.1 Max: 5.48
Current: 5.47
0.97
5.48
PFCF 16.78
IBOC's PFCF is ranked lower than
62% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. IBOC: 16.78 )
Ranked among companies with meaningful PFCF only.
IBOC' s PFCF Range Over the Past 10 Years
Min: 4.61  Med: 11.59 Max: 28.19
Current: 16.78
4.61
28.19
POCF 15.22
IBOC's POCF is ranked lower than
65% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. IBOC: 15.22 )
Ranked among companies with meaningful POCF only.
IBOC' s POCF Range Over the Past 10 Years
Min: 4.21  Med: 8.55 Max: 18.32
Current: 15.22
4.21
18.32
EV-to-EBIT 16.64
IBOC's EV-to-EBIT is ranked lower than
61% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. IBOC: 16.64 )
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: 16.64
6.9
23.2
EV-to-EBITDA 14.81
IBOC's EV-to-EBITDA is ranked lower than
60% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. IBOC: 14.81 )
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: 14.81
5.7
18.8
PEG 19.40
IBOC's PEG is ranked lower than
97% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. IBOC: 19.40 )
Ranked among companies with meaningful PEG only.
IBOC' s PEG Range Over the Past 10 Years
Min: 0.81  Med: 4.98 Max: 416.67
Current: 19.4
0.81
416.67
Shiller P/E 20.84
IBOC's Shiller P/E is ranked higher than
52% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. IBOC: 20.84 )
Ranked among companies with meaningful Shiller P/E only.
IBOC' s Shiller P/E Range Over the Past 10 Years
Min: 4.46  Med: 12.13 Max: 20.86
Current: 20.84
4.46
20.86

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.43
IBOC's Dividend Yield is ranked lower than
77% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. IBOC: 1.43 )
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: 1.43
1.01
6.59
Dividend Payout 0.30
IBOC's Dividend Payout is ranked higher than
56% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. IBOC: 0.30 )
Ranked among companies with meaningful Dividend Payout only.
IBOC' s Dividend Payout Range Over the Past 10 Years
Min: 0.3  Med: 0.48 Max: 0.71
Current: 0.3
0.3
0.71
Dividend Growth (3y) 13.20
IBOC's Dividend Growth (3y) is ranked higher than
64% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 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: -18.8  Med: 11.8 Max: 45.3
Current: 13.2
-18.8
45.3
Forward Dividend Yield 1.48
IBOC's Forward Dividend Yield is ranked lower than
80% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. IBOC: 1.48 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.32
IBOC's Yield on cost (5-Year) is ranked lower than
66% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. IBOC: 2.32 )
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: 3.49 Max: 10.71
Current: 2.32
1.64
10.71
3-Year Average Share Buyback Ratio 0.50
IBOC's 3-Year Average Share Buyback Ratio is ranked higher than
82% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. IBOC: 0.50 )
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: 0.5
-1.4
2.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.88
IBOC's Price/Tangible Book is ranked lower than
73% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. IBOC: 1.88 )
Ranked among companies with meaningful Price/Tangible Book only.
IBOC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.66  Med: 2.24 Max: 6
Current: 1.88
0.66
6
Price/Projected FCF 0.98
IBOC's Price/Projected FCF is ranked lower than
67% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. IBOC: 0.98 )
Ranked among companies with meaningful Price/Projected FCF only.
IBOC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.28  Med: 0.75 Max: 1.42
Current: 0.98
0.28
1.42
Price/Median PS Value 1.79
IBOC's Price/Median PS Value is ranked lower than
88% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. IBOC: 1.79 )
Ranked among companies with meaningful Price/Median PS Value only.
IBOC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.32  Med: 1.11 Max: 6.49
Current: 1.79
0.32
6.49
Price/Graham Number 1.32
IBOC's Price/Graham Number is ranked lower than
71% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. IBOC: 1.32 )
Ranked among companies with meaningful Price/Graham Number only.
IBOC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.35  Med: 1.04 Max: 2.2
Current: 1.32
0.35
2.2
Earnings Yield (Greenblatt) (%) 6.01
IBOC's Earnings Yield (Greenblatt) (%) is ranked higher than
54% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. IBOC: 6.01 )
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: 6.01
4.3
14.5
Forward Rate of Return (Yacktman) (%) 8.52
IBOC's Forward Rate of Return (Yacktman) (%) is ranked lower than
58% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. IBOC: 8.52 )
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: 9.1 Max: 21.5
Current: 8.52
-0.6
21.5

More Statistics

Revenue (TTM) (Mil) $499.6
EPS (TTM) $ 2.01
Beta1.45
Short Percentage of Float1.57%
52-Week Range $21.05 - 41.95
Shares Outstanding (Mil)65.96
» More Articles for NAS: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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