International Bancshares (IBOC) AI Stock Analysis

• Market Cap: $3.51B
• Dividend Yield: 2.41%
• Average Volume (3M): 381.25K
• Price to Earnings (P/E): 8.6
• Beta (1Y): 1.01
• Revenue Growth: 7.33%
• EPS Growth: -0.55%
• Country: US
• Employees: 2,103
• Sector: Financial
• Sector Strength: 86
• Industry: Banks - Regional
• EPS (TTM): 6.57
• Shares Outstanding: 62,215,830
• 10 Day Avg. Volume: 381,749
• 30 Day Avg. Volume: 381,253
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 4.74
• Price to Cash Flow (P/CF): 8.60
• P/FCF Ratio: 6.10
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

International Bancshares shows strong financial performance with notable revenue growth and a solid balance sheet. The stock appears undervalued with a low P/E ratio and offers a good dividend yield. Technical indicators suggest caution due to possible short-term volatility. Recent corporate actions, such as the stock buyback and increased dividends, enhance shareholder value and boost investor confidence.

International Bancshares Business Overview & Revenue Model

Company Description

International Bancshares Corporation, a financial holding company, provides commercial and retail banking services. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company 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, collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. As of February 28, 2022, the company had 170 branch facilities and 263 ATMs serving 76 communities in Texas and Oklahoma. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.

How the Company Makes Money

International Bancshares Corporation generates revenue primarily through the interest income earned on loans and investment securities. The bank's loan portfolio, which includes commercial, real estate, and consumer loans, is a significant contributor to its interest earnings. Additionally, IBOC earns non-interest income through service charges on deposit accounts, fees from banking services such as wealth management and insurance, and gains from the sale of investment securities. The company also benefits from strategic partnerships and community engagements that enhance its service offerings and customer reach. IBOC's earnings are supported by its focus on efficient operations and risk management, ensuring sustainable financial performance in its competitive markets.

International Bancshares Financial Statement Overview

Summary

International Bancshares exhibits strong financial health with solid revenue growth, efficient cost management, and a prudent balance sheet. The cash flow remains robust, although there are fluctuations in free cash flow growth. Overall, the company is well-positioned financially with minor concerns in operational profit transparency.

Income Statement

International Bancshares has demonstrated strong revenue and profit growth. The gross profit margin has remained consistently high, indicating efficient cost management. However, EBIT and EBITDA margins were not applicable for the most recent year, which slightly affects transparency in operational profitability.

Balance Sheet

The company's balance sheet is robust with a low debt-to-equity ratio, indicating prudent financial leverage. The equity ratio is healthy, showing a solid capital structure. The high return on equity suggests efficient use of shareholder funds to generate profits.

Cash Flow

Cash flow performance is strong, with consistent free cash flow generation and a solid operating cash flow to net income ratio. However, the variability in free cash flow growth highlights potential fluctuations in cash generation capacity.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
833.64M	974.09M	674.76M	593.60M	538.47M
	Gross Profit
833.64M	974.09M	674.76M	593.60M	538.47M
	EBIT
0.00	525.81M	420.80M	322.33M	211.76M
	EBITDA
0.00	545.46M	404.46M	347.36M	0.00
	Net Income Common Stockholders
409.17M	411.77M	300.23M	253.92M	167.32M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
5.34B	651.06M	6.51B	7.42B	5.08B
	Total Assets
15.74B	15.07B	15.50B	16.05B	14.03B
	Total Debt
119.41M	119.61M	145.59M	570.78M	570.97M
	Net Debt
-233.24M	-531.45M	-1.94B	-2.64B	-1.43B
	Total Liabilities
12.94B	12.62B	13.46B	570.78M	570.97M
	Stockholders Equity
2.80B	2.45B	2.04B	2.31B	2.18B
Cash Flow		Free Cash Flow
459.80M	446.94M	368.73M	281.29M	298.41M
	Operating Cash Flow
473.95M	474.43M	387.94M	291.68M	305.13M
	Investing Cash Flow
-985.06M	-1.07B	-992.03M	-915.89M	-343.70M
	Financing Cash Flow
212.71M	-843.89M	-517.43M	1.84B	1.78B

International Bancshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 56.46
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IBOC, the sentiment is Negative. The current price of 56.46 is below the 20-day moving average (MA) of 61.27, below the 50-day MA of 63.19, and below the 200-day MA of 63.09, indicating a bearish trend. The MACD of -0.25 indicates Negative momentum. The RSI at 45.27 is Neutral, neither overbought nor oversold. The STOCH value of 23.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IBOC.

International Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IBOC	77 Outperform	$3.51B	8.60	15.60%	2.41%	7.33%	-0.55%
BANF	70 Outperform	$3.42B	15.97	14.16%	1.76%	12.93%	1.40%
ABCB	69 Neutral	$3.55B	9.90	9.99%	1.36%	8.49%	33.58%
AX	69 Neutral	$3.27B	7.69	18.81%	―	26.87%	10.56%
AUB	67 Neutral	$3.15B	10.63	7.34%	5.53%	29.04%	-9.28%
Sector *	64 Neutral	$13.37B	9.30	9.39%	4.85%	16.11%	-8.85%
TFSL	63 Neutral	$3.30B	41.06	4.23%	9.62%	14.25%	10.46%

International Bancshares Corporate Events

International Bancshares Announces $150 Million Stock Buyback

On March 12, 2025, International Bancshares Corporation’s Board of Directors approved a stock repurchase program, authorizing the buyback of up to $150 million of its common stock over a year starting March 15, 2025. This strategic move is likely aimed at enhancing shareholder value and could impact the company’s market positioning by potentially increasing stock value and investor confidence.

International Bancshares Approves Increased Cash Dividend

On February 3, 2025, International Bancshares Corporation announced that its Board of Directors approved a cash dividend of seventy cents per share for its shareholders of Common Stock, marking a 6% increase from the previous dividend. This decision reflects the company’s commitment to returning value to its shareholders and may positively impact its market positioning by demonstrating financial stability and growth.