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Upturn AI SWOT - About
IBOC 
International Bancshares Corporation (IBOC)
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Upturn Advisory Summary
04/01/2025: IBOC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -25.34% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.89B USD | Price to earnings Ratio 9.53 | 1Y Target Price 22 |
Price to earnings Ratio 9.53 | 1Y Target Price 22 | ||
Volume (30-day avg) 357340 | Beta 0.92 | 52 Weeks Range 50.67 - 76.08 | Updated Date 04/1/2025 |
52 Weeks Range 50.67 - 76.08 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.22% | Basic EPS (TTM) 6.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 51.03% | Operating Margin (TTM) 65.39% |
Management Effectiveness
Return on Assets (TTM) 2.66% | Return on Equity (TTM) 15.6% |
Valuation
Trailing PE 9.53 | Forward PE - | Enterprise Value 4225409280 | Price to Sales(TTM) 4.89 |
Enterprise Value 4225409280 | Price to Sales(TTM) 4.89 | ||
Enterprise Value to Revenue 4.82 | Enterprise Value to EBITDA - | Shares Outstanding 62215800 | Shares Floating 56048375 |
Shares Outstanding 62215800 | Shares Floating 56048375 | ||
Percent Insiders 13.9 | Percent Institutions 69.16 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
International Bancshares Corporation
Company Overview
History and Background
International Bancshares Corporation (IBOC) was founded in 1966 and is headquartered in Laredo, Texas. It has grown through acquisitions and organic expansion, focusing on serving the South Texas and Oklahoma markets.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products and services to businesses, including term loans, lines of credit, and real estate financing.
- Retail Banking: Offers deposit accounts, consumer loans, and other retail banking services to individuals and families.
- Wealth Management: Provides wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
Dennis E. Nixon serves as Chairman and CEO. The company operates with a traditional corporate structure, with various executive vice presidents overseeing key business lines and functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data is not readily available at a granular level for this specific product. Competitors include other regional and national banks such as Frost Bank, Bank of America, and JP Morgan Chase.
- Consumer Loans: Loans to individuals for personal use. Market share data specific to IBOC's consumer loan products is not available. Competitors include Wells Fargo, Capital One, and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data is not available. Competitors are the local and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing a mixed environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations regarding digital banking solutions.
Positioning
IBOC positions itself as a community-focused bank with a strong presence in South Texas and Oklahoma. Its competitive advantages include its local market expertise and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in IBOC's operating regions is estimated to be in the billions of dollars. IBOC is positioned to capture a portion of this TAM through its branch network and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong presence in South Texas and Oklahoma
- Experienced management team
- Solid customer relationships
- Conservative lending practices
- A large amount of cash relative to debt
Weaknesses
- Geographic concentration
- Limited brand recognition outside of its core markets
- Dependency on Net Interest Income
- Lower dividend yield than average
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Strategic acquisitions
- Growth in the Hispanic population
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Texas and Oklahoma
- Regulatory changes
- Cybersecurity risks
- Sensitivity to interest rate risk
Competitors and Market Share
Key Competitors
- Cullen/Frost Bankers, Inc.(CFR)
- Prosperity Bancshares, Inc. (PB)
- Comerica Incorporated (CMA)
Competitive Landscape
IBOC competes primarily with other regional banks and national banks. Its advantages include its local market expertise and customer relationships, while its disadvantages include its limited brand recognition outside of its core markets.
Major Acquisitions
First National Bank
- Year: 2022
- Acquisition Price (USD millions): 250
- Strategic Rationale: Expand market presence in Oklahoma.
Growth Trajectory and Initiatives
Historical Growth: IBOC has demonstrated steady growth through organic expansion and strategic acquisitions.
Future Projections: Analyst estimates project continued revenue and earnings growth for IBOC, driven by expansion into new markets and increased digital banking adoption.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets in Oklahoma.
Summary
International Bancshares is a financially sound regional bank with a strong foothold in South Texas and Oklahoma. Its strengths include experienced management and solid customer relationships, but it faces threats from larger competitors and economic uncertainty. The bank shows consistent growth and shareholder returns, primarily through strategic acquisitions and steady financials. It should keep expanding digitally and diversifying its market base.
Similar Companies
- CFR
- PB
- TCBI
- BOKF
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q), Investor Presentations, Analyst Reports, and Financial News Articles.
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About International Bancshares Corporation
Exchange NASDAQ | Headquaters Laredo, TX, United States | ||
IPO Launch date 1996-05-30 | CEO & President of International Bank of Commerce - San Antonio Mr. Mike K. Sohn | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2103 | Website https://www.ibc.com |
Full time employees 2103 | Website https://www.ibc.com | ||
International Bancshares Corporation, a multibank financial holding company, provides a range of commercial and retail banking services in Texas and the State of Oklahoma. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collections, escrow, drive up and walk up facilities, and other customary banking services; and internet and mobile banking services, as well as securities products through third party providers. The company offers its banking services through ATM network and retail locations in shopping malls and other places. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.
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