The historical rank and industry rank for International Bancshares's Net Margin % or its related term are showing as below:
MEX:IBOC'
s Net Margin % Range Over the Past 10 Years
Min: 26.44 Med: 40.07 Max: 49.41
Current: 48.99
MEX:IBOC's Net Margin % is ranked better than 93.19% of 1528
companies
in the Banks industry
Industry Median: 26.81
vs MEX:IBOC: 48.99
International Bancshares (MEX:IBOC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
International Bancshares Net Margin % Related Terms
International Bancshares Net Margin % 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.
MEX:IBOC vs SFBS, TFSL, EBC: Net Margin % Comparison
For the Banks - Regional subindustry, International Bancshares's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, International Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where International Bancshares's Net Margin % 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 (MEX:IBOC) has a Net Margin % of 49.02% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on International Bancshares and its competitors. This is 22% above median its historical median of 40.07. Over the past decade, International Bancshares' Net Margin % has ranged from 26.44 to 49.41. According to the industry distribution chart, International Bancshares ranks #104 out of 1528 companies in the Banks industry, placing it in the top 6.8%.
Is International Bancshares' Net Margin % too high?
International Bancshares' current Net Margin % of 49.02% is 22% above median its 10-year median of 40.07. Over the past 10 years, this metric has ranged from a low of 26.44 to a high of 49.41. The Banks industry median Net Margin % is 26.81. International Bancshares' value of 49.02% is 82.8% above this industry median. Based on the distribution chart, International Bancshares ranks #104 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, International Bancshares has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does International Bancshares' Net Margin % compare to SFBS and TFSL?
According to the Banks industry distribution chart, International Bancshares ranks #104 out of 1528 companies for Net Margin %. This places International Bancshares in the top 7% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.81. International Bancshares' value of 49.02% is 82.8% above this benchmark. Historically, International Bancshares' own Net Margin % has ranged from 26.44 to 49.41 over the past decade. While the company's 10-year median is 40.07 vs. the industry median of 26.81, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.81, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Bancshares's current Net Margin % of 49.02% is 82.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on International Bancshares and its competitors. For the Banks industry, the median Net Margin % is 26.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Bancshares's current Net Margin % is 49.02%, which is 22% above median its own 10-year median of 40.07. 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?
International Bancshares (MEX:IBOC) has a current Net Margin % of 49.02%. The stock's GF Value™ is MXN1,285.11, compared to a current price of MXN1,495.00 — trading 16.3% above its estimated fair value. The current Net Margin % is 49.02%, which is 22% above median its 10-year median of 40.07 and 82.8% above the Banks industry median of 26.81. International Bancshares' overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For International Bancshares (MEX:IBOC), the current Net Margin % is 49.02% as of Mar. 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 (MEX:IBOC) Overvalued in 2026?
Based on GuruFocus' analysis, International Bancshares stock appears to be overvalued.
The current stock price of MXN1,495.00 is trading 16.3% above its estimated GF Value™ of MXN1,285.11.
Key valuation signals for MEX:IBOC:
Net Margin %: 49.02% (22% above median its 10-year median of 40.07)
GF Value™: MXN1,285.11 vs. price of MXN1,495.00 (16.3% above fair value)
Industry Position: 82.8% above the Banks median (#104 of 1528)
No single metric tells the full story. See the MEX: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
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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