International Bancshares Corporation (IBOC)
Juste valeurFondamental
71
Prix
$69.01
Capitalisation boursière
$4.26B
Partie 1 · Ce que vaut l'entreprise
Vue d'ensemble
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 septembre 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.
Bilan & Liquidités
Chiffre d'affaires
$859M
12 derniers mois (au 30/06/2026)
Résultat net
$413M
12 derniers mois (au 30/06/2026)
Flux de trésorerie libre
$473M
Capitaux propres totaux
$3.25B
Passif total
$13.32B
Ratio de liquidité général
-
Couverture des intérêts
0.77
Dette/EBITDA
-
Bénéfice par action
Chiffre d'affaires & Résultat net
Flux de trésorerie libre
Décomposition du résultat
État historique
Marges dans le temps
La dette dans le temps
Grille de la croissance
Croissance — Chiffre d'affaires
Estimation de la juste valeur
Juste valeur
$80.22
Prix actuel
$69.01
Marge de sécurité
+14.0%
Fourchette de juste valeur
$55.63 - $104.81
Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.
Méthodes d'estimation
Indicateurs de valorisation
Ratio P/E
10.33
ROE
12.7%
Ratio P/B
1.26
P/FCF
9.41
Marge brute
-
ROIC
-
Radar de rentabilité
Création de valeur (avantage concurrentiel)
ROIC
-
WACC
9.4%
ROIC − WACC
-
Critères d'analyse fondamentale
Réussi (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
Échoué (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%
Indisponible (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Score F de Piotroski
Signaux mixtes : certains domaines nécessitent attention
Qualité des bénéfices
Qualité élevée : bénéfices soutenus par la trésorerie
Dilution du capital
Rachat d'actions. Favorable aux actionnaires
Participations institutionnelles
Gouvernance
Équipe dirigeante
| Nom | Titre | Âge |
|---|---|---|
| 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 | - |
Risque d'audit
6
Risque du conseil
8
Risque de rémunération
5
Risque droits des actionnaires
2
Partie 2 · Le prix et le moment d'entrer
Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.
Documents
- Voir le document
Rapport annuel (10-K)
Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.
Déposé le 2026-02-26
- Voir le document
Rapport trimestriel (10-Q)
Une mise à jour de la performance financière des trois derniers mois.
Déposé le 2026-08-06
- Voir le document
Rapport d'événement important (8-K)
Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.
Déposé le 2026-08-06
via SEC EDGAR
Historique des résultats
via SEC EDGAR
Latest News
Recent headlines for IBOC, sourced from Markets Gazette.