International Bancshares (MEX:IBOC) Scaled Net Operating Assets: -0.03 (As of Mar. 2026)


MEX:IBOC International Bancshares Corp MEX:IBOC
70 GF Score
Price MXN1,495.00
GF Value MXN1,285.11
! 6 Warning Signs
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What is International Bancshares Scaled Net Operating Assets?

International Bancshares MEX:IBOC 70 Scaled Net Operating Assets is -0.03 as of Mar. 2026. GuruFocus rates MEX:IBOC with a GF Score™ of 70/100 and a GF Value™ of MXN1,285.11. The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

International Bancshares's operating assets for the quarter that ended in Mar. 2026 was MXN232,113 Mil. International Bancshares's operating liabilities for the quarter that ended in Mar. 2026 was MXN241,985 Mil. International Bancshares's Total Assets for the quarter that ended in Dec. 2025 was MXN298,469 Mil. Therefore, International Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.03.

MEX:IBOC
70GF Score
International Bancshares Corp MEX:IBOC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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International Bancshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

International Bancshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(288808.691-237774.218)/328244.775
=0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=298468.515 - 9659.824
=288808.691

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=239920.497 - 2146.279 - 0
=237774.218

International Bancshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(232112.533-241984.769)/298468.515
=-0.03

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=303425.55 - 71313.017
=232112.533

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=244133.293 - 2148.524 - 0
=241984.769

* 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.

What does a Scaled Net Operating Assets of -0.03 mean?
International Bancshares (MEX:IBOC) has a Scaled Net Operating Assets of -0.03 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on International Bancshares and its competitors.
Is International Bancshares' Scaled Net Operating Assets too high?
International Bancshares' current Scaled Net Operating Assets is -0.03. Overall, International Bancshares has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does International Bancshares' Scaled Net Operating Assets compare to SFBS and TFSL?
International Bancshares' Scaled Net Operating Assets of -0.03 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on International Bancshares and its competitors. International Bancshares's current Scaled Net Operating Assets is -0.03. 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 Scaled Net Operating Assets of -0.03. 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 Scaled Net Operating Assets is -0.03. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For International Bancshares (MEX:IBOC), the current Scaled Net Operating Assets is -0.03 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:

  • Scaled Net Operating Assets: -0.03
  • GF Value™: MXN1,285.11 vs. price of MXN1,495.00 (16.3% above fair value)
  • GF Score™: 70/100 with 6 warning signs

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 Business Description

Other Exchanges IBOC:USAIB4:Germany
Address 1200 San Bernardo Avenue, Laredo, TX, USA, 78042-1359
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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN1,495.00
Price
MXN1,285.11
GF Value