International Bancshares Corporation

$ 73.56 -0.04 %

International Bancshares Corporation (IBC), functioning as a financial holding company, delivers a comprehensive array of commercial and retail banking services. The institution facilitates checking and savings deposits and extends various loan products, including financing for commercial ventures, real estate, personal needs, home improvements, automobiles, and other installment or term-based credit. Moreover, IBC specializes in international banking, offering services such as letters of credit, commercial and industrial lending, and foreign currency exchange. Its supplementary offerings feature credit cards, secure safety deposit boxes, collection services, notary public, and escrow. The company also provides the convenience of drive-up and walk-up facilities, alongside other standard banking operations, online banking platforms, and access to securities products facilitated by external providers. As of February 28, 2022, International Bancshares Corporation maintained a substantial presence with 170 branch locations and 263 ATMs, serving 76 distinct communities across Texas and Oklahoma. Established in 1966, the corporation's primary corporate office is located in Laredo, Texas.

CEO: Mike K. Sohn - https://www.ibc.com

Price objectif

$85 15.55 %

Recommandation

Buy

DCF

$ 150.90

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IBOC vs S&P500

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Quick ratio

1.09

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

10.98

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

6.70

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

13.16 %

reflects reasonable profitability, showing good use of equity.

ROIC

2.48 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

9.74

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.22

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

7.29

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

21.29 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
7 indicates good financial health
Altman score
0.68 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.97 indicates that the company has a moderate ability to cover its short-term debts with its cash
Debt Ratio
0.04 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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