Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
IBOC
HoldFallen FavouriteFLAGInternational Bancshares Corporation · Financial Services · United States · $4.4B · Avg Vol: $22M/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% | 6.64 | 6.40 | 6.76 | 1.0% |
| Shares | 62.1M | 62.1M | 62.2M | 62.2M | +0.0% | 62.2M | — | — | — |
| Debt | 145.6M | 119.6M | 119.4M | 119.2M | -6.4% | 731.0M | — | — | — |
| Equity | 2.0B | 2.4B | 2.8B | 3.3B | 16.7% | — | — | — | — |
| Op CF | 387.9M | 474.4M | 473.9M | 491.1M | 8.2% | 470.1M | — | — | — |
| 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) | $4.4B | 59 | Hold |
| SFBS | ServisFirst Bancshares, Inc. | $4.7B | 58 | Hold |
| RNST | Renasant Corporation | $3.8B | 61 | Hold |
| MCHB | Mechanics Bancorp | $3.5B | 60 | Hold |
| CVBF | CVB Financial Corp. | $3.9B | 63 | Hold |
| WSFS | WSFS Financial Corporation | $4.0B | 64 | Hold |
| FIBK | First Interstate BancSystem, Inc. | $3.5B | 61 | Hold |
| FFBC | First Financial Bancorp. | $3.4B | 56 | Hold |
| FHB | First Hawaiian, Inc. | $3.1B | 60 | Hold |
| HOMB | Home BancShares, Inc. | $5.9B | 61 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%