International Bancshares Corporation
IBOCFinancial ServicesNASDAQBanks - Regional
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Daily timeframeInternational Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The $4.48B market capitalization puts IBOC squarely in mid-cap range for its industry. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans.
Market Cap
$4.48B
Beta
0.70
P/E (TTM)
10.74
P/E (Fwd)
—
EPS (TTM)
$6.70
EPS (Fwd)
—
ROE
13.5%
ROA
2.5%
Cash
$585.9M
Total Debt
$724.0M
Free CF
—
52W Change
14.1%
Annual Financials
Cash vs Debt
On the balance sheet, IBOC has $585.9M in cash with $724.0M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. 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.
As with any equity investment, IBOC carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. No single metric tells the full story. Reviewing IBOC's risk profile alongside its fundamentals and technical indicators provides a more complete picture.