International Bancshares Statistics

Total Valuation

IBOC has a market cap or net worth of $4.01 billion. The enterprise value is $4.15 billion.

Market Cap	4.01B
Enterprise Value	4.15B

Important Dates

The next estimated earnings date is Thursday, July 31, 2025.

Earnings Date	Jul 31, 2025
Ex-Dividend Date	Feb 14, 2025

Share Statistics

IBOC has 62.14 million shares outstanding. The number of shares has increased by 0.14% in one year.

Current Share Class	62.14M
Shares Outstanding	62.14M
Shares Change (YoY)	+0.14%
Shares Change (QoQ)	-0.03%
Owned by Insiders (%)	8.94%
Owned by Institutions (%)	72.23%
Float	56.00M

Valuation Ratios

The trailing PE ratio is 9.82.

PE Ratio	9.82
Forward PE	n/a
PS Ratio	4.99
Forward PS	n/a
PB Ratio	1.39
P/TBV Ratio	1.53
P/FCF Ratio	8.64
P/OCF Ratio	8.37
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	10.15
EV / Sales	5.16
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	8.94

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.57
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 15.20%.

Return on Equity (ROE)	15.20%
Return on Assets (ROA)	2.58%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$344,118
Profits Per Employee	$174,969
Employee Count	2,336
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, IBOC has paid $97.88 million in taxes.

Income Tax	97.88M
Effective Tax Rate	19.32%

Stock Price Statistics

The stock price has increased by +16.75% in the last 52 weeks. The beta is 0.84, so IBOC's price volatility has been lower than the market average.

Beta (5Y)	0.84
52-Week Price Change	+16.75%
50-Day Moving Average	61.81
200-Day Moving Average	63.99
Relative Strength Index (RSI)	57.06
Average Volume (20 Days)	172,430

Short Selling Information

The latest short interest is 1.01 million, so 1.62% of the outstanding shares have been sold short.

Short Interest	1.01M
Short Previous Month	1.08M
Short % of Shares Out	1.62%
Short % of Float	1.80%
Short Ratio (days to cover)	4.62

Income Statement

In the last 12 months, IBOC had revenue of $803.86 million and earned $408.73 million in profits. Earnings per share was $6.57.

Revenue	803.86M
Gross Profit	803.86M
Operating Income	515.19M
Pretax Income	514.88M
Net Income	408.73M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$6.57

Full Income Statement

Balance Sheet

The company has $589.46 million in cash and $729.31 million in debt, giving a net cash position of -$139.86 million or -$2.25 per share.

Cash & Cash Equivalents	589.46M
Total Debt	729.31M
Net Cash	-139.86M
Net Cash Per Share	-$2.25
Equity (Book Value)	2.90B
Book Value Per Share	46.53
Working Capital	-12.38B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $479.02 million and capital expenditures -$14.98 million, giving a free cash flow of $464.03 million.

Operating Cash Flow	479.02M
Capital Expenditures	-14.98M
Free Cash Flow	464.03M
FCF Per Share	$7.47

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	64.09%
Pretax Margin	63.02%
Profit Margin	50.85%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	57.73%

Dividends & Yields

This stock pays an annual dividend of $1.36, which amounts to a dividend yield of 2.11%.

Dividend Per Share	$1.36
Dividend Yield	2.11%
Dividend Growth (YoY)	5.43%
Years of Dividend Growth	10
Payout Ratio	20.70%
Buyback Yield	-0.14%
Shareholder Yield	1.97%
Earnings Yield	10.20%
FCF Yield	11.58%

Dividend Details

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 17, 2007. It was a forward split with a ratio of 1.1:1.

Last Split Date	May 17, 2007
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4