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International BancsharesIBOC +1.16%70 Cash-to-Debt is 3.79 as of Jun. 2026, which is 4% above its 10-year median of 3.64. GuruFocus rates IBOC with a GF Score™ of 70/100 and a GF Value™ of $67.07 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,492 Banks companies, International Bancshares ranks better than 73.06% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. International Bancshares's cash to debt ratio for the quarter that ended in Jun. 2026 was 3.79.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, International Bancsharescould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for International Bancshares's Cash-to-Debt or its related term are showing as below:
IBOC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.2 Med: 3.64 Max: 14.34
Current: 3.79
During the past 13 years, International Bancshares's highest Cash to Debt Ratio was 14.34. The lowest was 0.20. And the median was 3.64.
IBOC's Cash-to-Debt is ranked better than 73.06% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs IBOC: 3.79
International Bancshares (NAS:IBOC) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
International Bancshares Cash-to-Debt Related Terms
International Bancshares Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, International Bancshares's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
International Bancshares Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, International Bancshares's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where International Bancshares's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
International Bancshares (IBOC) has a Cash-to-Debt of 3.79 as of Jun. 2026. This is near median its historical median of 3.64. Over the past decade, International Bancshares' Cash-to-Debt has ranged from 0.20 to 14.34. According to the industry distribution chart, International Bancshares ranks #402 out of 1492 companies in the Banks industry, placing it in the top 26.9%.
Is International Bancshares' Cash-to-Debt too high?
International Bancshares' current Cash-to-Debt of 3.79 is near median its 10-year median of 3.64. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 14.34. The Banks industry median Cash-to-Debt is 1.37. International Bancshares' value of 3.79 is 176.6% above this industry median. Based on the distribution chart, International Bancshares ranks #402 out of 1492 companies in the Banks industry, which is above the industry midpoint. Overall, International Bancshares has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does International Bancshares' Cash-to-Debt compare to FULT and TCBI?
According to the Banks industry distribution chart, International Bancshares ranks #402 out of 1492 companies for Cash-to-Debt. This puts International Bancshares in the upper half of its industry. The industry median Cash-to-Debt is 1.37. International Bancshares' value of 3.79 is 176.6% above this benchmark. Historically, International Bancshares' own Cash-to-Debt has ranged from 0.20 to 14.34 over the past decade. While the company's 10-year median is 3.64 vs. the industry median of 1.37, International Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Bancshares's current Cash-to-Debt of 3.79 is 176.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Bancshares's current Cash-to-Debt is 3.79, which is near median its own 10-year median of 3.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is International Bancshares stock overvalued right now?
Based on GuruFocus' analysis, International Bancshares (IBOC) is currently considered Fairly Valued. The stock's GF Value™ is $67.07, compared to a current price of $71.76 — trading 7% above its estimated fair value. The current Cash-to-Debt is 3.79, which is near median its 10-year median of 3.64 and 176.6% above the Banks industry median of 1.37. International Bancshares' overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For International Bancshares (IBOC), the current Cash-to-Debt is 3.79 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is International Bancshares (IBOC) Overvalued in 2026?
Based on GuruFocus' analysis, International Bancshares stock appears to be overvalued.
The current stock price of $71.76 is trading 7% above its estimated GF Value™ of $67.07.
GuruFocus considers International Bancshares to be Fairly Valued.
Key valuation signals for IBOC:
Cash-to-Debt: 3.79 (near median its 10-year median of 3.64)
GF Value™: $67.07 vs. price of $71.76 (7% above fair value)
Industry Position: 176.6% above the Banks median (#402 of 1492)
No single metric tells the full story. See the IBOC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
International Bancshares Corp is a registered multibank financial holding company providing a diversified range of commercial and retail banking services in its main banking and branch facilities located in north, south, central, and southeast Texas and the State of Oklahoma.. The company provides commercial and retail banking services in Texas and Oklahoma. The services provided by the bank include checking, savings, bank cards, lending, insurance, mortgage, investments, and other services.
70GF Score
Get the complete analysis for IBOC
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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