International Bancshares Corporation (IBOC)
Fair bewertetFundamental
71
Kurs
$69.01
Marktkapitalisierung
$4.26B
Teil 1 · Was das Unternehmen wert ist
Übersicht
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.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on 18. September 2026 with claude-haiku-4-5 — shared with all users
The dominant community bank in Oklahoma, competing directly with IBC's Oklahoma City subsidiary for small-business loans and local deposits.
A privately held Laredo bank with branches along the same border corridor — Laredo, Zapata, McAllen, Brownsville, Eagle Pass — and representative offices in Mexico, chasing the same small-business and cross-border deposit customers as IBC Bank.
The largest Texas-only commercial bank, competing branch by branch for the same middle-market and small-business lending and deposit relationships across San Antonio, the Rio Grande Valley and the rest of the state.
Runs a comparable branch-heavy community banking model with roughly 280 offices across the same two states, Texas and Oklahoma, where IBC operates.
A privately held San Antonio bank with offices in Laredo, El Paso and the Rio Grande Valley that markets U.S.-dollar accounts and trade services to Mexican clients — the cross-border niche that supplies about a third of IBC's deposits.
Bilanz & Liquidität
Umsatz
$859M
Letzte 12 Monate (bis 30.6.2026)
Nettogewinn
$413M
Letzte 12 Monate (bis 30.6.2026)
Freier Cashflow
$473M
Gesamtes Eigenkapital
$3.25B
Gesamtverbindlichkeiten
$13.32B
Current Ratio
-
Zinsdeckungsgrad
0.77
Schulden/EBITDA
-
Gewinn je Aktie
Umsatz & Nettogewinn
Freier Cashflow
Ertragsaufschlüsselung
Historische Aufstellung
Margen im Zeitverlauf
Verschuldung im Zeitverlauf
Wachstumsraster
Wachstum — Umsatz
Innerer-Wert-Schätzung
Innerer Wert
$80.22
Aktueller Kurs
$69.01
Sicherheitsmarge
+14.0%
Innerer-Wert-Spanne
$55.63 - $104.81
Streubreite zwischen den verwendeten Bewertungsmethoden, kein statistisch kalibriertes Konfidenzintervall.
Bewertungsmethoden
Bewertungskennzahlen
P/E-Verhältnis
10.33
ROE
12.7%
P/B-Verhältnis
1.26
P/FCF
9.41
Bruttomarge
-
ROIC
-
Rentabilitäts-Radar
Wertschöpfung (Wettbewerbsvorteil)
ROIC
-
WACC
9.4%
ROIC − WACC
-
Fundamentalanalyse-Kriterien
Bestanden (16)
- EPS shows upward trend
- EPS CAGR 7.55%
- Price CAGR 5.41%
- P/FCF 9.41
- P/B Ratio 1.26
- Operating Margin 61.0%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 12.7%
- Analyst Consensus 86% Buy
- PEG Ratio 0.50
- Earnings Quality (OCF/NI) 1.14
- Share Dilution 0.0%
- Piotroski F-Score 5/9
Nicht bestanden (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%
Nicht verfügbar (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Gemischte Signale: Einige Bereiche bedürfen Aufmerksamkeit
Gewinnqualität
Hohe Qualität: Gewinne durch Cashflow gedeckt
Aktienverwässerung
Aktienrückkäufe. Aktionärsfreundlich
Institutionelle Beteiligungen
Unternehmensführung
Führungsteam
| Name | Position | Alter |
|---|---|---|
| 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 | - |
Prüfungsrisiko
6
Vorstandsrisiko
8
Vergütungsrisiko
5
Aktionärsrechterisiko
2
Teil 2 · Der Preis und der Einstiegszeitpunkt
Dieser Teil sagt nicht, ob das Unternehmen etwas taugt: Er hilft bei der Wahl des Kaufzeitpunkts, nachdem die Fundamentaldaten überzeugt haben. Enthalten: technische Analyse, Potenzial, historische Drawdowns, Gamma-Exposure.
Dokumente
- Dokument ansehen
Jahresbericht (10-K)
Ein jährlicher Überblick über das Geschäft, die Finanzergebnisse und die Risiken des Unternehmens.
Eingereicht am 2026-02-26
- Dokument ansehen
Quartalsbericht (10-Q)
Ein Update zur finanziellen Entwicklung der letzten drei Monate.
Eingereicht am 2026-08-06
- Dokument ansehen
Ad-hoc-Meldung (8-K)
Eine Mitteilung über ein wichtiges Ereignis, etwa einen Führungswechsel oder eine bedeutende Ankündigung.
Eingereicht am 2026-08-06
via SEC EDGAR
Ertragshistorie
via SEC EDGAR
Latest News
Recent headlines for IBOC, sourced from Markets Gazette.