Valuation dashboard for International Bancshares Corporation (IBOC) with P/E 9.96, P/B 1.22, EV/EBITDA 8.0 and dividend yield 2.21%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
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.
What would it be worth at its usual multiples?
At Kaplio's cap P/B for its ROTCE 13.9 % (1.3×) $71 (+7 %); at its peers' median (1.4×) $76 (+15 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
Analysis Summary
International Bancshares Corporation reported revenue of $1.05B in the most recent fiscal year, growing at a 5-year CAGR of 12.8%. Net income reached $412.3M, with a 19.8% 5-year CAGR.
Trailing-twelve-month margins: gross margin 78.7%, operating margin 49.2%, net margin 38.8%.
At $66.01 (closing price, October 19, 2026), IBOC trades at a P/E of 9.96 and an ROE of 12.67%. Market capitalisation stands at $4.1B.
Balance sheet quality for IBOC: debt-to-equity ratio of 0.22, current ratio of 0.86 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 9.96 |
| Price / Book | 1.22 |
| EV / EBITDA | 8.0 |
| Dividend Yield | 2.21% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| IBOC | International Bancshares Corporation | $4.1B | 9.96 | 1.22 | 12.7% |
| UMBF | UMB Financial Corporation | $10.4B | 10.41 | 1.33 | 13.2% |
| HWC | Hancock Whitney Corporation | $5.9B | 14.75 | 1.40 | 9.3% |
| TCBI | Texas Capital Bancshares, Inc. | $3.9B | 11.59 | 1.11 | 10.1% |
| MTB | M&T Bank Corporation | $32.4B | 11.70 | 1.15 | 10.7% |
| CFR | Cullen/Frost Bankers, Inc. | $10.0B | 14.91 | 2.51 | 15.6% |
Price
| Price | $66.01 (closing price, October 19, 2026) |
| Market Cap | $4.1B |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 12.67% |
| Return on Invested Capital | 2.43% |
| Return on Assets | 2.43% |
| Gross Margin | 78.70% |
| Operating Margin | 49.20% |
| Net Margin | 38.81% |
Related companies: UMBF · HWC · TCBI · MTB · CFR
Explore sector: Financial Services · Banks - Regional
More sections of IBOC: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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