NAS:IBOC (USA) Also trade in: Germany Mexico

International Bancshares Corp

$ 37.41 -0.16 (-0.43%)
Volume: 181,279 Avg Vol (1m): 161,245
Market Cap $: 2.46 Bil Enterprise Value $: -1,142,970,000.00
P/E (TTM): 11.57 P/B: 1.28
Earnings Power Value 51.56
Net Current Asset Value 0
Tangible Book 25.86
Projected FCF 49.55
Median P/S Value 28.5
Graham Number 43.35
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4/10

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.
Current vs industry vs history
Cash-to-Debt 2.18
Cash-To-Debt ranked higher than
53.93% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
IBOC: 2.18
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.06, Med: 0.2, Max: 2.5
Current: 2.18
0.06
2.5
Equity-to-Asset 0.17
Equity-to-Asset ranked higher than
87.52% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
IBOC: 0.17
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.06, Med: 0.09, Max: 0.17
Current: 0.17
0.06
0.17
Debt-to-Equity 0.08
Debt-to-Equity ranked higher than
92.82% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
IBOC: 0.08
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.08, Med: 1.31, Max: 4.55
Current: 0.08
0.08
4.55
Debt-to-EBITDA 0.27
Debt-to-EBITDA ranked higher than
90.54% of 1416 companies
in the Banks - Regional - US industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
IBOC: 0.27
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 0.27
Current: 0.27
0
0.27
Beneish M-Score -2.35
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 11.32%

Profitability & Growth : 3/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 36.62
Net Margin ranked higher than
80.23% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
IBOC: 36.62
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 22.93, Med: 26.41, Max: 37.35
Current: 36.62
22.93
37.35
ROE % 11.29
ROE ranked higher than
60.87% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
IBOC: 11.29
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 6.16, Med: 8.63, Max: 11.43
Current: 11.29
6.16
11.43
ROA % 1.79
ROA ranked higher than
80.61% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
IBOC: 1.79
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 0.91, Med: 1.14, Max: 1.8
Current: 1.79
0.91
1.8
3-Year Total Revenue Growth Rate 4.60
3-Year Revenue Growth Rate ranked lower than
70.32% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
IBOC: 4.6
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -6.7, Med: 8.1, Max: 80.6
Current: 4.6
-6.7
80.6
3-Year EPS w/o NRI Growth Rate 16.50
3-Year EPS w/o NRI Growth Rate ranked lower than
64.16% of 1359 companies
in the Banks - Regional - US industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
IBOC: 16.5
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -9.9, Med: 4.4, Max: 20.4
Current: 16.5
-9.9
20.4

» IBOC's 30-Y Financials

Financials (Next Earnings Date: 2019-08-07)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6022
Compare NYSE:CADE NAS:COLB NAS:INDB NAS:FIBK NAS:SSB NAS:FULT NAS:AUB NAS:CATY NYSE:BXS NAS:CHFC NAS:IBTX NAS:ONB NAS:SFNC NAS:FFBC NAS:FMBI NAS:CVBF NAS:CSFL NYSE:FBP NAS:WSFS NAS:HOMB
Traded in other countries IB4.Germany
Address 1200 San Bernardo Avenue, Laredo, TX, USA, 78042-1359
International Bancshares is a financial holding company with bank subsidiaries that provide commercial and retail banking services, primarily in Texas and Oklahoma. The subsidiaries gather funds from various sources and invest these funds to earn a return. Fund gathering primarily takes the form of accepting demand and time deposits. The bank subsidiaries have historically focused on providing commercial banking services to small and medium-size businesses. The subsidiaries have increasingly transitioned to also providing consumer and retail banking, including mortgage lending. The company's strategy emphasizes customer service and expense control. The company generates net revenue primarily through net interest income.

Ratios

Current vs industry vs history
PE Ratio (TTM) 11.57
PE Ratio ranked lower than
55.04% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
IBOC: 11.57
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 3.95, Med: 12.21, Max: 20.72
Current: 11.57
3.95
20.72
PE Ratio without NRI 11.57
PE without NRI ranked lower than
54.44% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
IBOC: 11.57
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 3.95, Med: 12.21, Max: 20.72
Current: 11.57
3.95
20.72
Price-to-Owner-Earnings 11.94
Price-to-Owner-Earnings ranked lower than
67.54% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
IBOC: 11.94
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 5.74, Med: 12.89, Max: 31.92
Current: 11.94
5.74
31.92
PB Ratio 1.28
PB Ratio ranked lower than
70.62% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
IBOC: 1.28
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.47, Med: 1.08, Max: 2.27
Current: 1.28
0.47
2.27
PS Ratio 4.23
PS Ratio ranked lower than
79.56% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
IBOC: 4.23
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.97, Med: 3.23, Max: 5.64
Current: 4.23
0.97
5.64
Price-to-Free-Cash-Flow 11.24
Price-to-Free-Cash-Flow ranked lower than
73.13% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
IBOC: 11.24
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 4.61, Med: 11.33, Max: 19.24
Current: 11.24
4.61
19.24
Price-to-Operating-Cash-Flow 10.16
Price-to-Operating-Cash-Flow ranked lower than
72.78% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
IBOC: 10.16
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 4.21, Med: 8.67, Max: 18.32
Current: 10.16
4.21
18.32
EV-to-Revenue -1.96
EV-to-Revenue ranked lower than
100.00% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
IBOC: -1.96
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -9.4, Med: -2.55, Max: 8.1
Current: -1.96
-9.4
8.1
Shiller PE Ratio 16.59
Shiller PE Ratio ranked lower than
52.53% of 672 companies
in the Banks - Regional - US industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
IBOC: 16.59
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 4.44, Med: 12.58, Max: 21.81
Current: 16.59
4.44
21.81

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.47
Trailing Dividend Yield ranked lower than
74.22% of 2587 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
IBOC: 2.47
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 1.01, Med: 2.04, Max: 6.59
Current: 2.47
1.01
6.59
Dividend Payout Ratio 0.28
Dividend Payout Ratio ranked higher than
66.27% of 1420 companies
in the Banks - Regional - US industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
IBOC: 0.28
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.18, Med: 0.23, Max: 0.3
Current: 0.28
0.18
0.3
3-Year Dividend Growth Rate (Per Share) 8.90
3-Year Dividend Growth Rate ranked higher than
59.77% of 880 companies
in the Banks - Regional - US industry.
Industry Max: 228.7, Med: 6, Min: -100
IBOC: 8.9
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: -18.8, Med: 11.7, Max: 46.2
Current: 8.9
-18.8
46.2
Forward Dividend Yield % 2.66
Forward Dividend Yield ranked lower than
73.20% of 2534 companies
in the Banks - Regional - US industry.
Industry Max: 98, Med: 3.16, Min: 0.01
IBOC: 2.66
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 4.09
Yield-on-Cost (5y) ranked lower than
56.23% of 2561 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
IBOC: 4.09
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 1.67, Med: 3.38, Max: 10.91
Current: 4.09
1.67
10.91
3-Year Share Buyback Rate -0.20
3-Year Share Buyback Rate ranked higher than
82.76% of 1137 companies
in the Banks - Regional - US industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
IBOC: -0.2
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -9.4, Med: 0.5, Max: 2.4
Current: -0.2
-9.4
2.4

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.45
Price-to-Tangible-Book ranked lower than
72.32% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
IBOC: 1.45
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.66, Med: 2.01, Max: 6
Current: 1.45
0.66
6
Price-to-Projected-FCF 0.75
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
60.23% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
IBOC: 0.75
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.28, Med: 0.77, Max: 1.48
Current: 0.75
0.28
1.48
Price-to-Median-PS-Value 1.31
Price-to-Median-PS-Value ranked lower than
83.99% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
IBOC: 1.31
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.31, Med: 1.15, Max: 6.22
Current: 1.31
0.31
6.22
Price-to-Graham-Number 0.86
Price-to-Graham-Number ranked lower than
59.15% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
IBOC: 0.86
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.35, Med: 1.07, Max: 2.2
Current: 0.86
0.35
2.2

More Statistics

Revenue (TTM) (Mil) $ 585.49
EPS (TTM) $ 3.23
Beta 1.39
Volatility % 30.04
52-Week Range $ 32.56 - 47.95
Shares Outstanding (Mil) 65.65

Analyst Estimate

Piotroski F-Score Details