Part of the financial services sector, International Bancshares Corporation (IBOC) is listed under Banks - Regional. With a market capitalization of $4.76B, it sits in mid-cap territory. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans.
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The company holds $585.9M in cash, though total debt stands at $724.0M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 13.5% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 2.5% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $674.8M (2022) to $842.2M (2025), reflecting a 25% increase over the period.
The relatively low beta of 0.69 suggests IBOC is a less volatile holding compared to the broader index. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence International Bancshares Corporation's trajectory.