International Bancshares Corporation (IBOC)
適正価値ファンダメンタル
71
株価
$67.93
時価総額
$4.26B
パート1 · 企業の価値
概要
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 2026年9月18日 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.
貸借対照表と流動性
売上高
$859M
直近12か月（2026/6/30まで）
純利益
$413M
直近12か月（2026/6/30まで）
フリーキャッシュフロー
$473M
自己資本合計
$3.25B
負債合計
$13.32B
流動比率
-
利払い倍率
0.77
負債/EBITDA
-
一株当たり利益（EPS）
売上高と純利益
フリーキャッシュフロー
収益内訳
財務推移表
利益率の推移
負債の推移
成長率グリッド
成長率 — 売上高
適正価値の推定
適正価値
$80.22
現在株価
$67.93
安全マージン
+15.3%
適正価値レンジ
$55.63 - $104.81
使用した評価手法間のばらつきであり、統計的に較正された信頼区間ではありません。
推定方法
バリュエーション指標
P/E レシオ
10.33
ROE
12.7%
P/B レシオ
1.26
P/FCF
9.41
粗利益率
-
ROIC
-
収益性レーダー
価値創造（経済的モート）
ROIC
-
WACC
9.4%
ROIC − WACC
-
ファンダメンタル分析基準
合格（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
不合格（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%
データなし（5）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-スコア
まちまちのシグナル：一部の領域に注意が必要
利益の質
高品質：利益はキャッシュに裏付けられている
株式希薄化
株式を買い戻している。株主に友好的
機関投資家の保有
ガバナンス
経営陣
| 氏名 | 役職 | 年齢 |
|---|---|---|
| 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 | - |
監査リスク
6
取締役会リスク
8
報酬リスク
5
株主権利リスク
2
パート2 · 株価と買い時
この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容：テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。
業績推移
via SEC EDGAR
Latest News
Recent headlines for IBOC, sourced from Markets Gazette.