Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. International Bancshares's annualized net income for the quarter that ended in Mar. 2026 was MXN7,371 Mil. International Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was MXN53,829 Mil. Therefore, International Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.69%.
The historical rank and industry rank for International Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
MEX:IBOC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.97 Med: 13.2 Max: 20.97
Current: 14.73
During the past 13 years, International Bancshares's highest Return-on-Tangible-Equity was 20.97%. The lowest was 8.97%. And the median was 13.20%.
MEX:IBOC's Return-on-Tangible-Equity is ranked better than 72.82% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs MEX:IBOC: 14.73
International Bancshares (MEX:IBOC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
International Bancshares Return-on-Tangible-Equity Related Terms
International Bancshares Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for International Bancshares's Return-on-Tangible-Equity 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.
International Bancshares Return-on-Tangible-Equity Chart
MEX:IBOC vs SFBS, TFSL, EBC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, International Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, International Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where International Bancshares's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.69% mean?
International Bancshares (MEX:IBOC) has a Return-on-Tangible-Equity of 13.69% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on International Bancshares and its competitors. This is near median its historical median of 13.20. Over the past decade, International Bancshares' Return-on-Tangible-Equity has ranged from 8.97 to 20.97. According to the industry distribution chart, International Bancshares ranks #414 out of 1523 companies in the Banks industry, placing it in the top 27.2%.
Is International Bancshares' Return-on-Tangible-Equity too high?
International Bancshares' current Return-on-Tangible-Equity of 13.69% is near median its 10-year median of 13.20. Over the past 10 years, this metric has ranged from a low of 8.97 to a high of 20.97. The Banks industry median Return-on-Tangible-Equity is 11.19. International Bancshares' value of 13.69% is 22.3% above this industry median. Based on the distribution chart, International Bancshares ranks #414 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, International Bancshares has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does International Bancshares' Return-on-Tangible-Equity compare to SFBS and TFSL?
According to the Banks industry distribution chart, International Bancshares ranks #414 out of 1523 companies for Return-on-Tangible-Equity. This puts International Bancshares in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. International Bancshares' value of 13.69% is 22.3% above this benchmark. Historically, International Bancshares' own Return-on-Tangible-Equity has ranged from 8.97 to 20.97 over the past decade. While the company's 10-year median is 13.20 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Bancshares's current Return-on-Tangible-Equity of 13.69% is 22.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on International Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Bancshares's current Return-on-Tangible-Equity is 13.69%, which is near median its own 10-year median of 13.20. 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 Return-on-Tangible-Equity of 13.69%. 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 Return-on-Tangible-Equity is 13.69%, which is near median its 10-year median of 13.20 and 22.3% above the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For International Bancshares (MEX:IBOC), the current Return-on-Tangible-Equity is 13.69% 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:
Return-on-Tangible-Equity: 13.69% (near median its 10-year median of 13.20)
GF Value™: MXN1,285.11 vs. price of MXN1,495.00 (16.3% above fair value)
Industry Position: 22.3% above the Banks median (#414 of 1523)
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
Get the complete analysis for MEX:IBOC
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MEX:IBOC has been successfully added to your 
