International Bancshares Corporation (IBOC)
NEUTRALFundamental
70
Precio
$70.80
Capitalización Bursátil
$4.46B
Parte 1 · Cuánto vale la empresa
Resumen
International Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collections, escrow, drive up and walk up facilities, and other customary banking services; and internet and mobile banking services, as well as securities products through third party providers. The company offers its banking services through ATM network and retail locations in shopping malls and other places. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance y Liquidez
Ingresos
$859M
Últimos 12 meses (hasta 30/6/2026)
Beneficio Neto
$413M
Últimos 12 meses (hasta 30/6/2026)
Flujo de Caja Libre
$473M
Patrimonio Neto Total
$3.25B
Pasivo Total
$13.32B
Ratio de Liquidez
-
Cobertura de Intereses
0.77
Deuda/EBITDA
-
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$84.83
Precio Actual
$70.80
Margen de Seguridad
+16.5%
Rango de Valor Justo
$58.22 - $111.44
Métodos de Estimación
Métricas de Valoración
Ratio P/E
10.79
ROE
12.7%
Ratio P/B
1.32
P/FCF
9.83
Margen Bruto
-
ROIC
-
Radar de Rentabilidad
Value Creation (Economic Moat)
ROIC
-
WACC
9.3%
ROIC − WACC
-
Criterios de Análisis Fundamental
Superado (16)
- EPS shows upward trend
- EPS CAGR 7.55%
- Price CAGR 5.77%
- P/FCF 9.83
- P/B Ratio 1.32
- Operating Margin 61.0%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 13.2%
- Analyst Consensus 86% Buy
- PEG Ratio 0.53
- Earnings Quality (OCF/NI) 1.14
- Share Dilution 0.0%
- Piotroski F-Score 5/9
Fallido (7)
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Fairly valued)
- Revenue Growth 5Y 4.8%
- Earnings Surprise avg -3.9%
- Net Margin Trend 48.1% vs 49.8%
No disponible (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Señales mixtas: algunas áreas requieren atención
Calidad de los Beneficios
Alta calidad: beneficios respaldados por efectivo
Dilución de Acciones
Recomprando acciones. Favorable para el accionista
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. Dennis Edward Nixon | Chairman of the Board & President | 82 |
| Ms. Judith I. Wawroski | Chief Accounting Officer, CFO & Treasurer | 50 |
| Ms. Rosalinda Ramirez | Executive VP & Corporate Human Resources Director | - |
| Ms. Marisa V. Santos | Corporate Secretary | - |
| Mr. Mike K. Sohn | CEO & President of International Bank of Commerce - San Antonio | - |
| Mr. Derek Schmidt | CEO & President of International Bank of Commerce - Port Lavaca, Bay City | - |
| Mr. Robert B. Barnes | Chairman & CEO International Bank of Commerce - Austin, Texas | - |
| Mr. Hector J. Cerna | CEO & President of International Bank of Commerce - Eagle Pass | - |
| Mr. Ricardo X. Ramirez | President of International Bank of Commerce - Zapata | - |
| Mr. Jeff Samples | Chairman & CEO International Bank of Commerce - Houston, Texas | - |
Riesgo de Auditoría
6
Riesgo del Consejo
8
Riesgo de Compensación
5
Riesgo de Derechos del Accionista
2
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Latest News
Recent headlines for IBOC, sourced from Markets Gazette.