* 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: OCF Margin % Comparison
For the Banks - Regional subindustry, International Bancshares's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, International Bancshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where International Bancshares's OCF 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 OCF Margin % of 57.92% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on International Bancshares and its competitors. This is near median its historical median of 54.80. Over the past decade, International Bancshares' OCF Margin % has ranged from 37.37 to 58.31. According to the industry distribution chart, International Bancshares ranks #367 out of 1502 companies in the Banks industry, placing it in the top 24.4%.
Is International Bancshares' OCF Margin % too high?
International Bancshares' current OCF Margin % of 57.92% is near median its 10-year median of 54.80. Over the past 10 years, this metric has ranged from a low of 37.37 to a high of 58.31. The Banks industry median OCF Margin % is 29.41. International Bancshares' value of 57.92% is 97% above this industry median. Based on the distribution chart, International Bancshares ranks #367 out of 1502 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' OCF Margin % compare to SFBS and TFSL?
According to the Banks industry distribution chart, International Bancshares ranks #367 out of 1502 companies for OCF Margin %. This places International Bancshares in the top 24% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.41. International Bancshares' value of 57.92% is 97% above this benchmark. Historically, International Bancshares' own OCF Margin % has ranged from 37.37 to 58.31 over the past decade. While the company's 10-year median is 54.80 vs. the industry median of 29.41, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.41, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Bancshares's current OCF Margin % of 57.92% is 97% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on International Bancshares and its competitors. For the Banks industry, the median OCF Margin % is 29.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Bancshares's current OCF Margin % is 57.92%, which is near median its own 10-year median of 54.80. 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 OCF Margin % of 57.92%. 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 OCF Margin % is 57.92%, which is near median its 10-year median of 54.80 and 97% above the Banks industry median of 29.41. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For International Bancshares (MEX:IBOC), the current OCF Margin % is 57.92% 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:
OCF Margin %: 57.92% (near median its 10-year median of 54.80)
GF Value™: MXN1,285.11 vs. price of MXN1,495.00 (16.3% above fair value)
Industry Position: 97% above the Banks median (#367 of 1502)
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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