Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
IBOC
BUYFLAGInternational Bancshares Corporation · Financial Services · United States · $4.8B · Avg Vol: $31M/d
International Bancshares has strong quality Q66 and momentum M64 with a buyback on file, but value at V43 is below the calibrated floor, and insiders sold, so stage one fails.
COMPANY DESCRIPTION
International Bancshares Corporation is a multi-bank financial holding company operating primarily in Texas and Oklahoma, offering a comprehensive suite of commercial and retail banking services including deposits, loans, and wealth management. The company's competitive moat is built upon its strong regional presence, deep local market knowledge, and established customer relationships forged through community banking principles. Its prudent lending practices and personalized service cultivate strong client loyalty.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 674.8M | 833.4M | 833.6M | 842.2M | 7.7% | 837.6M | — | — | — |
| EPS | 4.79 | 6.63 | 6.58 | 6.63 | 11.4% | 6.66 | 6.53 | 6.61 | -0.1% |
| Shares | 62.1M | 62.1M | 62.2M | 62.2M | +0.0% | 62.2M | — | — | — |
| Debt | 145.6M | 119.6M | 119.4M | 119.2M | -6.4% | 724.0M | — | — | — |
| Equity | 2.0B | 2.4B | 2.8B | 3.3B | 16.7% | — | — | — | — |
| Op CF | 387.9M | 474.4M | 473.9M | 491.1M | 8.2% | 471.3M | — | — | — |
| Inv CF | -992.0M | -1.1B | -985.1M | -591.7M | — | — | — | — | — |
| Fin CF | -517.4M | -843.9M | 212.7M | 284.5M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of IBOC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| IBOC | International Bancshares Corporation(you) | $4.8B | 77 | BUY |
| FULT | Fulton Financial Corporation | $4.7B | 77 | BUY |
| OZK | Bank OZK | $5.5B | 77 | BUY |
| WSBC | WesBanco, Inc. | $4.0B | 79 | BUY |
| WSFS | WSFS Financial Corporation | $4.1B | 74 | BUY |
| HOMB | Home BancShares, Inc. | $6.2B | 74 | BUY |
| CATY | Cathay General Bancorp | $4.2B | 85 | STRONG BUY |
| UBSI | United Bankshares, Inc. | $6.5B | 81 | STRONG BUY |
| VLY | Valley National Bancorp | $7.9B | 76 | BUY |
| CVBF | CVB Financial Corp. | $4.0B | 69 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%