ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. International Bancshares's annualizedNet Income for the quarter that ended in Mar. 2026 was MXN7,371 Mil.
International Bancshares's average Total Assets over the quarter that ended in Mar. 2026 was MXN300,947 Mil. Therefore, International Bancshares's annualized ROA % for the quarter that ended in Mar. 2026 was 2.45%.
The historical rank and industry rank for International Bancshares's ROA % or its related term are showing as below:
MEX:IBOC'
s ROA % Range Over the Past 10 Years
Min: 1.14 Med: 1.76 Max: 2.69
Current: 2.53
During the past 13 years, International Bancshares's highest ROA % was 2.69%. The lowest was 1.14%. And the median was 1.76%.
MEX:IBOC's ROA % is ranked better than 92.75% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs MEX:IBOC: 2.53
International Bancshares (MEX:IBOC) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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.
For the Banks - Regional subindustry, International Bancshares's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, International Bancshares's ROA % distribution charts can be found below:
* The bar in red indicates where International Bancshares's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
International Bancshares (MEX:IBOC) has a ROA % of 2.45% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on International Bancshares and its competitors. This is 39% above median its historical median of 1.76. Over the past decade, International Bancshares' ROA % has ranged from 1.14 to 2.69. According to the industry distribution chart, International Bancshares ranks #111 out of 1530 companies in the Banks industry, placing it in the top 7.3%.
Is International Bancshares' ROA % too high?
International Bancshares' current ROA % of 2.45% is 39% above median its 10-year median of 1.76. Over the past 10 years, this metric has ranged from a low of 1.14 to a high of 2.69. The Banks industry median ROA % is 0.98. International Bancshares' value of 2.45% is 150% above this industry median. Based on the distribution chart, International Bancshares ranks #111 out of 1530 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' ROA % compare to SFBS and TFSL?
According to the Banks industry distribution chart, International Bancshares ranks #111 out of 1530 companies for ROA %. This places International Bancshares in the top 7% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. International Bancshares' value of 2.45% is 150% above this benchmark. Historically, International Bancshares' own ROA % has ranged from 1.14 to 2.69 over the past decade. While the company's 10-year median is 1.76 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Bancshares's current ROA % of 2.45% is 150% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on International Bancshares and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Bancshares's current ROA % is 2.45%, which is 39% above median its own 10-year median of 1.76. 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 ROA % of 2.45%. 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 ROA % is 2.45%, which is 39% above median its 10-year median of 1.76 and 150% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For International Bancshares (MEX:IBOC), the current ROA % is 2.45% 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:
ROA %: 2.45% (39% above median its 10-year median of 1.76)
GF Value™: MXN1,285.11 vs. price of MXN1,495.00 (16.3% above fair value)
Industry Position: 150% above the Banks median (#111 of 1530)
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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ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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