IBOC International Bancshares Corp

Price (delayed)

$45.63

Market cap

$2.84B

P/E Ratio

13

Dividend/share

$1.2

EPS

$3.51

Enterprise value

$507.44M

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 price to earnings (P/E) is 20% more than its last 4 quarters average of 10.8 and 2.4% more than its 5-year quarterly average of 12.7
The net income has declined by 13% since the previous quarter and by 4.8% year-on-year

Key stats

What are the main financial stats of IBOC
Market
Shares outstanding
62.24M
Market cap
$2.84B
Enterprise value
$507.44M
Valuations
Price to earnings (P/E)
13
Price to book (P/B)
1.37
Price to sales (P/S)
5.26
EV/EBIT
1.8
EV/EBITDA
1.67
EV/Sales
0.93
Earnings
Revenue
$546M
EBIT
$281.95M
EBITDA
$304.68M
Free cash flow
$298.7M
Per share
EPS
$3.51
Free cash flow per share
$4.74
Book value per share
$33.2
Revenue per share
$8.67
TBVPS
$253.99
Balance sheet
Total assets
$16.27B
Total liabilities
$14.17B
Debt
$1.08B
Equity
$2.1B
Working capital
N/A
Liquidity
Debt to equity
0.52
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-7.66
Margins
EBITDA margin
55.8%
Gross margin
100%
Net margin
40.8%
Operating margin
51.6%
Efficiency
Return on assets
1.4%
Return on equity
10.1%
Return on invested capital
2.1%
Return on capital employed
N/A
Return on sales
51.6%
Dividend
Dividend yield
2.63%
DPS
$1.2
Payout ratio
34.2%

IBOC stock price

How has the International Bancshares stock price performed over time
Intraday
1.24%
1 week
3.14%
1 month
14.62%
1 year
6.66%
YTD
7.64%
QTD
13.85%

Financial performance

How have International Bancshares's revenue and profit performed over time
Revenue
$546M
Gross profit
$546M
Operating income
$281.95M
Net income
$222.59M
Gross margin
100%
Net margin
40.8%
International Bancshares's operating income has decreased by 14% from the previous quarter and by 5% YoY
The net income has declined by 13% since the previous quarter and by 4.8% year-on-year
The revenue has contracted by 8% from the previous quarter and by 2.4% YoY
International Bancshares's gross profit has decreased by 8% from the previous quarter and by 2.4% YoY

Growth

What is International Bancshares's growth rate over time

Valuation

What is International Bancshares stock price valuation
P/E
13
P/B
1.37
P/S
5.26
EV/EBIT
1.8
EV/EBITDA
1.67
EV/Sales
0.93
IBOC's price to earnings (P/E) is 20% more than its last 4 quarters average of 10.8 and 2.4% more than its 5-year quarterly average of 12.7
The EPS has declined by 13% since the previous quarter and by 5% year-on-year
The stock's price to book (P/B) is 14% more than its 5-year quarterly average of 1.2 and 14% more than its last 4 quarters average of 1.2
IBOC's equity is down by 8% year-on-year and by 2.3% since the previous quarter
IBOC's P/S is 14% above its 5-year quarterly average of 4.6 and 14% above its last 4 quarters average of 4.6
The revenue has contracted by 8% from the previous quarter and by 2.4% YoY

Efficiency

How efficient is International Bancshares business performance
IBOC's return on assets is down by 13% since the previous quarter and by 13% year-on-year
The return on invested capital has declined by 13% since the previous quarter and by 4.5% year-on-year
International Bancshares's return on equity has decreased by 11% QoQ and by 4.7% YoY
The ROS has declined by 7% since the previous quarter and by 2.8% year-on-year

Dividends

What is IBOC's dividend history
DPS
$1.2
Dividend yield
2.63%
Payout ratio
34.2%
Recent dividends

Financial health

How did International Bancshares financials performed over time
International Bancshares's total assets is 15% higher than its total liabilities
The total liabilities is up by 9% year-on-year
International Bancshares's total assets has increased by 6% YoY
IBOC's debt is 48% less than its equity
International Bancshares's debt to equity has increased by 18% YoY and by 6% QoQ
IBOC's debt is up by 8% YoY and by 2.2% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.