International Bancshares Corporation (IBOC): Price and Financial Metrics

IBOC POWR Grades

• IBOC scores best on the Momentum dimension, with a Momentum rank ahead of 89.62% of US stocks.
• The strongest trend for IBOC is in Momentum, which has been heading up over the past 179 days.
• IBOC ranks lowest in Growth; there it ranks in the 26th percentile.

IBOC Stock Summary

• The capital turnover (annual revenue relative to shareholder's equity) for IBOC is 0.25 -- better than merely 20.34% of US stocks.
• IBOC's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 84.76% of US stocks.
• In terms of volatility of its share price, IBOC is more volatile than only 5.01% of stocks we're observing.
• If you're looking for stocks that are quantitatively similar to International Bancshares Corp, a group of peers worth examining would be HBNC, PEBO, PEBK, MPB, and FGBI.
• Visit IBOC's SEC page to see the company's official filings. To visit the company's web site, go to www.ibc.com.

IBOC Valuation Summary

• In comparison to the median Financial Services stock, IBOC's price/sales ratio is 291.67% higher, now standing at 4.7.
• IBOC's EV/EBIT ratio has moved down 16.4 over the prior 243 months.
• Over the past 243 months, IBOC's price/sales ratio has gone up 0.3.

Below are key valuation metrics over time for IBOC.

IBOC Growth Metrics

The 5 year cash and equivalents growth rate now stands at 37.23%.
• The year over year net cashflow from operations growth rate now stands at 14.49%.
• The 5 year net cashflow from operations growth rate now stands at 47.85%.

IBOC's revenue has moved up $12,026,000 over the prior 34 months.

The table below shows IBOC's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2021-12-31	585.643	291.681	253.922
2021-09-30	575.373	314.734	245.625
2021-06-30	559.615	334.619	233.768
2021-03-31	498.006	344.017	183.251
2020-12-31	493.089	305.133	167.319
2020-09-30	512.225	315.225	170.823

IBOC's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• IBOC has a Quality Grade of C, ranking ahead of 43.46% of graded US stocks.
• IBOC's asset turnover comes in at 0.039 -- ranking 190th of 431 Banking stocks.
• RVSB, MTB, and CFR are the stocks whose asset turnover ratios are most correlated with IBOC.

The table below shows IBOC's key quality metrics over time.