Ratios

		vs industry	vs history
P/E(ttm)	15.60	IBOC's P/E(ttm) is ranked higher than 61% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 13.43 vs. IBOC: 15.60 )	IBOC' s 10-Year P/E(ttm) Range Min: 3.95   Max: 19.2 Current: 15.6 3.95 19.2
P/B	1.01	IBOC's P/B is ranked higher than 64% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.90 vs. IBOC: 1.01 )	IBOC' s 10-Year P/B Range Min: 0.4   Max: 3.76 Current: 1.01 0.4 3.76
P/S	2.85	IBOC's P/S is ranked lower than 59% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 2.20 vs. IBOC: 2.85 )	IBOC' s 10-Year P/S Range Min: 0.97   Max: 6.41 Current: 2.85 0.97 6.41
PFCF	15.41	IBOC's PFCF is ranked lower than 70% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 6.70 vs. IBOC: 15.41 )	IBOC' s 10-Year PFCF Range Min: 3.39   Max: 23.13 Current: 15.41 3.39 23.13
EV-to-EBIT	13.39	IBOC's EV-to-EBIT is ranked higher than 71% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 16.90 vs. IBOC: 13.39 )	IBOC' s 10-Year EV-to-EBIT Range Min: 6.9   Max: 23.2 Current: 13.39 6.9 23.2
PEG	9.2	IBOC's PEG is ranked lower than 95% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.29 vs. IBOC: 9.2 )	IBOC' s 10-Year PEG Range Min: 0.73   Max: 323.75 Current: 9.2 0.73 323.75
Shiller P/E	11.52	IBOC's Shiller P/E is ranked higher than 84% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 14.60 vs. IBOC: 11.52 )	IBOC' s 10-Year Shiller P/E Range Min: 3.99   Max: 25.2 Current: 11.52 3.99 25.2

Dividend & Buy Back

		vs industry	vs history
Dividend Yield	1.85	IBOC's Dividend Yield is ranked higher than 63% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 2.20 vs. IBOC: 1.85 )	IBOC' s 10-Year Dividend Yield Range Min: 0.73   Max: 6.59 Current: 1.85 0.73 6.59
Dividend Payout	0.3	IBOC's Dividend Payout is ranked higher than 59% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.42 vs. IBOC: 0.3 )	IBOC' s 10-Year Dividend Payout Range Min: 0.16   Max: 0.38 Current: 0.3 0.16 0.38
Dividend growth (3y)	4.1	IBOC's Dividend growth (3y) is ranked higher than 81% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: -21.50 vs. IBOC: 4.1 )	IBOC' s 10-Year Dividend growth (3y) Range Min: -14.5   Max: 21.4 Current: 4.1 -14.5 21.4
Yield on cost (5-Year)	1.22	IBOC's Yield on cost (5-Year) is ranked higher than 51% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.92 vs. IBOC: 1.22 )	IBOC' s 10-Year Yield on cost (5-Year) Range Min: 0.47   Max: 4.23 Current: 1.22 0.47 4.23
Share Buyback Rate	0.4	IBOC's Share Buyback Rate is ranked higher than 89% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: -1.75 vs. IBOC: 0.4 )	IBOC' s 10-Year Share Buyback Rate Range Min: 1.8   Max: -0.8 Current: 0.4

Valuation & Return

		vs industry	vs history
Price/Tangible Book	1.3	IBOC's Price/Tangible Book is ranked higher than 67% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.00 vs. IBOC: 1.3 )	IBOC' s 10-Year Price/Tangible Book Range Min: 0.9   Max: 4.8 Current: 1.3 0.9 4.8
Price/DCF (Projected)	0.7	IBOC's Price/DCF (Projected) is ranked higher than 81% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.50 vs. IBOC: 0.7 )	IBOC' s 10-Year Price/DCF (Projected) Range Min: 0.5   Max: 0.9 Current: 0.7 0.5 0.9
Price/Median PS Value	0.8	IBOC's Price/Median PS Value is ranked higher than 55% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.80 vs. IBOC: 0.8 )	IBOC' s 10-Year Price/Median PS Value Range Min: 0.6   Max: 1.5 Current: 0.8 0.6 1.5
Price/Graham Number	1	IBOC's Price/Graham Number is ranked higher than 64% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.80 vs. IBOC: 1 )	IBOC' s 10-Year Price/Graham Number Range Min: 0.6   Max: 1.9 Current: 1 0.6 1.9
Earnings Yield (Greenblatt)	7.50	IBOC's Earnings Yield (Greenblatt) is ranked higher than 77% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 5.80 vs. IBOC: 7.50 )	IBOC' s 10-Year Earnings Yield (Greenblatt) Range Min: 4.3   Max: 14.5 Current: 7.5 4.3 14.5
Forward Rate of Return (Yacktman)	1.41	IBOC's Forward Rate of Return (Yacktman) is ranked higher than 54% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 15.01 vs. IBOC: 1.41 )	IBOC' s 10-Year Forward Rate of Return (Yacktman) Range Min: 4.6   Max: 32.3 Current: 1.41 4.6 32.3

Business Description

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.
Company Website
SEC Reports

Industry:	Banks - Regional - US
Compare:	MTB, USB, PNC, PB, CFR

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