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Price (delayed)
$64.31
Market cap
$4B
P/E Ratio
9.99
Dividend/share
$1.32
EPS
$6.44
Enterprise value
$4.05B
IBC Bank and Commerce Bank are divisions of International Bancshares Corporation, a $13.6 billion multi-bank financial holding company headquartered in Laredo, Texas, with 187 facilities and 281 ATMs serving 88
Highlights
IBOC's equity is up by 25% year-on-year and by 7% since the previous quarter
IBOC's price to earnings (P/E) is 15% more than its last 4 quarters average of 8.7 but 3% less than its 5-year quarterly average of 10.3
IBOC's debt is up by 32% YoY and by 13% from the previous quarter
The net income has declined by 2.5% year-on-year
Key stats
What are the main financial stats of IBOC
Market
Valuations
Earnings
Shares outstanding
62.2M
Market cap
$4B
Enterprise value
$4.05B
Price to book (P/B)
1.45
Price to sales (P/S)
5
EV/EBIT
7.92
EV/EBITDA
7.59
EV/Sales
5.06
Revenue
$799.36M
Gross profit
$799.36M
Net income
$400.46M
EBIT
$510.81M
EBITDA
$533.33M
Free cash flow
$468.21M
Per share
Balance sheet
Liquidity
EPS
$6.44
EPS diluted
$6.43
Free cash flow per share
$7.53
Book value per share
$44.21
Revenue per share
$12.85
TBVPS
$251
Total assets
$15.89B
Total liabilities
$13.14B
Debt
$825.72M
Equity
$2.75B
Working capital
N/A
Debt to equity
0.3
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.09
Margins
Efficiency
Dividend
EBITDA margin
66.7%
Gross margin
100%
Net margin
50.1%
Operating margin
63.9%
Return on assets
2.6%
Return on equity
15.6%
Return on invested capital
3.4%
Return on capital employed
N/A
Return on sales
63.9%
Dividend yield
2.05%
DPS
$1.32
Payout ratio
20.5%
IBOC stock price
How has the International Bancshares stock price performed over time
Intraday
2.31%
1 week
-7.87%
1 month
-8%
1 year
25.88%
YTD
18.39%
QTD
7.56%
Financial performance
How have International Bancshares's revenue and profit performed over time
Revenue
$799.36M
Gross profit
$799.36M
Operating income
$510.81M
Net income
$400.46M
Gross margin
100%
Net margin
50.1%
The net income has declined by 2.5% year-on-year
The operating margin has declined by 3.2% year-on-year
IBOC's net margin is down by 3.5% YoY
International Bancshares's operating income has decreased by 2.3% YoY
Growth
What is International Bancshares's growth rate over time
Valuation
What is International Bancshares stock price valuation
P/E
9.99
P/B
1.45
P/S
5
EV/EBIT
7.92
EV/EBITDA
7.59
EV/Sales
5.06
IBOC's price to earnings (P/E) is 15% more than its last 4 quarters average of 8.7 but 3% less than its 5-year quarterly average of 10.3
The EPS has declined by 2.6% year-on-year
IBOC's equity is up by 25% year-on-year and by 7% since the previous quarter
The stock's price to book (P/B) is 21% more than its 5-year quarterly average of 1.2 and 3.6% more than its last 4 quarters average of 1.4
IBOC's P/S is 16% above its 5-year quarterly average of 4.3 and 14% above its last 4 quarters average of 4.4
Efficiency
How efficient is International Bancshares business performance
International Bancshares's return on equity has decreased by 18% YoY and by 7% QoQ
The return on invested capital has declined by 8% year-on-year and by 2.9% since the previous quarter
IBOC's return on assets is down by 3.7% since the previous quarter and by 3.7% year-on-year
The ROS has declined by 3.2% year-on-year
Dividends
What is IBOC's dividend history
DPS
$1.32
Dividend yield
2.05%
Payout ratio
20.5%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did International Bancshares financials performed over time
International Bancshares's total assets is 21% higher than its total liabilities
International Bancshares's total assets has increased by 7% YoY and by 2.6% QoQ
The total liabilities is up by 3.4% year-on-year
IBOC's debt is 70% less than its equity
IBOC's debt is up by 32% YoY and by 13% from the previous quarter
IBOC's equity is up by 25% year-on-year and by 7% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.