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IBOC (International Bancshares) Cyclically Adjusted PB Ratio : 1.64 (As of May. 29, 2025)


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What is International Bancshares Cyclically Adjusted PB Ratio?

As of today (2025-05-29), International Bancshares's current share price is $62.82. International Bancshares's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was $38.36. International Bancshares's Cyclically Adjusted PB Ratio for today is 1.64.

The historical rank and industry rank for International Bancshares's Cyclically Adjusted PB Ratio or its related term are showing as below:

IBOC' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.65   Med: 1.48   Max: 2.01
Current: 1.64

During the past years, International Bancshares's highest Cyclically Adjusted PB Ratio was 2.01. The lowest was 0.65. And the median was 1.48.

IBOC's Cyclically Adjusted PB Ratio is ranked worse than
79.72% of 1282 companies
in the Banks industry
Industry Median: 1.01 vs IBOC: 1.64

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

International Bancshares's adjusted book value per share data for the three months ended in Mar. 2025 was $46.531. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $38.36 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


International Bancshares Cyclically Adjusted PB Ratio Historical Data

The historical data trend for International Bancshares's Cyclically Adjusted PB Ratio can be seen below:

* 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.

* Premium members only.

International Bancshares Cyclically Adjusted PB Ratio Chart

International Bancshares Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.36 1.38 1.37 1.54 1.68

International Bancshares Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.55 1.56 1.61 1.68 1.64

Competitive Comparison of International Bancshares's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, International Bancshares's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, International Bancshares's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where International Bancshares's Cyclically Adjusted PB Ratio falls into.


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International Bancshares Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

International Bancshares's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=62.82/38.36
=1.64

* 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's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, International Bancshares's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book=Book Value per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=46.531/134.9266*134.9266
=46.531

Current CPI (Mar. 2025) = 134.9266.

International Bancshares Quarterly Data

Book Value per Share CPI Adj_Book
201506 24.505 100.684 32.839
201509 24.964 100.392 33.552
201512 25.128 99.792 33.975
201603 25.785 100.470 34.628
201606 26.394 101.688 35.021
201609 26.492 101.861 35.092
201612 26.141 101.863 34.626
201703 26.480 102.862 34.734
201706 27.198 103.349 35.508
201709 27.476 104.136 35.600
201712 27.830 104.011 36.102
201803 27.713 105.290 35.514
201806 28.427 106.317 36.077
201809 28.103 106.507 35.602
201812 29.562 105.998 37.630
201903 30.235 107.251 38.037
201906 31.381 108.070 39.180
201909 31.728 108.329 39.518
201912 32.485 108.420 40.427
202003 33.472 108.902 41.471
202006 33.852 108.767 41.994
202009 33.838 109.815 41.576
202012 34.418 109.897 42.257
202103 34.611 111.754 41.788
202106 36.069 114.631 42.455
202109 36.209 115.734 42.214
202112 36.427 117.630 41.783
202203 33.931 121.301 37.742
202206 33.623 125.017 36.288
202209 31.465 125.227 33.902
202212 32.905 125.222 35.455
202303 34.714 127.348 36.780
202306 35.329 128.729 37.030
202309 35.349 129.860 36.728
202312 39.432 129.419 41.110
202403 39.953 131.776 40.908
202406 41.450 132.554 42.192
202409 44.204 133.029 44.835
202412 44.957 133.157 45.554
202503 46.531 134.927 46.531

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


International Bancshares  (NAS:IBOC) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


International Bancshares Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of International Bancshares's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


International Bancshares Business Description

Traded in Other Exchanges
Address
1200 San Bernardo Avenue, Laredo, TX, USA, 78042-1359
International Bancshares Corp is a multibank financial holding company. 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.
Executives
Dennis E Nixon director, officer: CEO P.O. BOX 1359, LAREDO TX 78040
Sanchez Antonio R Jr director, 10 percent owner 1360 POST OAK BLVD, SUITE 2400, HOUSTON TX 77056
Diana G Zuniga director 1200 SAN BERNARDO, 1200 SAN BERNARDO AVE, LAREDO TX 78040
Dalia F Martinez officer: VICE PRESIDENT 1200 SAN BERNARDO, 1200 SAN BERNARDO AVE, LAREDO TX 78042
Rudolph Miles director 1200 SAN BERNARDO, LAREDO TX 78040
Anda Javier De director 1200 SAN BERNARDO, LAREDO TX 78040
Roberto R Resendez director 1200 SAN BERNARDO, LAREDO TX 78040
Judith I Wawroski officer: Treasurer/PAO 1200 SAN BERNARDO, LAREDO TX 78040
Julie L Tarvin officer: VICE PRESIDENT 1200 SAN BERNARDO, LAREDO TX 78040
R David Guerra director
Imelda Navarro director, officer: Executive Officer
Leonardo Salinas director PO BOX 1359, LAREDO TX 78040
Larry A Norton director 1200 SAN BERNARDO AVE., LAREDO TX 78040
Hastings Daniel B Jr director P O BOX 1359, LAREDO TX 78040
Douglas B Howland director 1200 SAN BERNARDO AVE., LAREDO TX 78040