NASDAQ: IBOC - International Bancshares Corporation

Yield per half year: +25.28%
Sector: Financials

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1. Summary

Advantages

  • Positive review The stock's return over the last year (33.31%) is higher than the sector average (-96.9%).
  • Positive review Current debt level 4.29% is below 100% and has decreased over 5 years from 7.3%.

Disadvantages

  • Negative review Price (64.47 $) is higher than fair price (62.1 $)
  • Negative review Dividends (2.51%) are below the sector average (4.57%).
  • Negative review The company's current efficiency (ROE=18.33%) is lower than the sector average (ROE=74.85%)

2. Share price and performance

2.1. Share price

2.2. News

2.3. Market efficiency

International Bancshares Corporation Financials Index
7 days 14.7% -96.9% 2.3%
90 days 22.4% -96.8% -12.4%
1 year 33.3% -96.9% 3.1%

Positive review IBOC vs Sector: International Bancshares Corporation has outperformed the "Financials" sector by 130.21% over the past year.

Positive review IBOC vs Market: International Bancshares Corporation has outperformed the market by 30.23% over the past year.

Positive review Stable price: IBOC is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.

Long period: IBOC with weekly volatility of 0.6406% over the past year.

3. Summary of the report

3.1. General

P/E: 7.95
P/S: 3.36

3.2. Revenue

EPS 6.62
ROE 18.33%
ROA 2.69%
ROIC 0%
Ebitda margin 2.25%

4. Fundamental Analysis

4.1. Stock price and price forecast

The fair price is calculated taking into account the Central Bank refinancing rate and earnings per share (EPS)

Negative review Above fair price: The current price (64.47 $) is higher than the fair price (62.1 $).

Negative review Price is higher than fair: The current price (64.47 $) is 3.7% higher than the fair price.

4.2. P/E

Positive review P/E vs Sector: The company's P/E (7.95) is lower than that of the sector as a whole (27.19).

Positive review P/E vs Market: The company's P/E (7.95) is lower than that of the market as a whole (54.77).

4.2.1 P/E Similar companies

4.3. P/BV

Positive review P/BV vs Sector: The company's P/BV (1.3376) is lower than that of the sector as a whole (3.06).

Positive review P/BV vs Market: The company's P/BV (1.3376) is lower than that of the market as a whole (2.3).

4.3.1 P/BV Similar companies

4.4. P/S

Positive review P/S vs Sector: The company's P/S indicator (3.36) is lower than that of the sector as a whole (71.11).

Positive review P/S vs Market: The company's P/S indicator (3.36) is lower than that of the market as a whole (9.99).

4.4.1 P/S Similar companies

4.5. EV/Ebitda

Negative review EV/Ebitda vs Sector: The company's EV/Ebitda (149.16) is higher than that of the sector as a whole (-111.75).

Negative review EV/Ebitda vs Market: The company's EV/Ebitda (149.16) is higher than that of the market as a whole (22.26).

5. Profitability

5.1. Profitability and revenue

5.2. Earnings per share - EPS

5.3. Past profitability Ebitda

Positive review Yield Trend: Rising and has grown by 20.18% over the last 5 years.

Negative review Earnings Slowdown: The last year's return (0%) is below the 5-year average return (20.18%).

Negative review Profitability vs Sector: The return for the last year (0%) is lower than the return for the sector (21.53%).

5.4. ROE

Negative review ROE vs Sector: The company's ROE (18.33%) is lower than that of the sector as a whole (74.85%).

Negative review ROE vs Market: The company's ROE (18.33%) is lower than that of the market as a whole (31.8%).

5.5. ROA

Positive review ROA vs Sector: The company's ROA (2.69%) is higher than that of the sector as a whole (2.3%).

Negative review ROA vs Market: The company's ROA (2.69%) is lower than that of the market as a whole (7.12%).

5.6. ROIC

Negative review ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (7.72%).

Negative review ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.68%).

6. Finance

6.1. Assets and debt

Positive review Debt level: (4.29%) is quite low in relation to assets.

Positive review Debt reduction: over 5 years, the debt has decreased from 7.3% to 4.29%.

Negative review Excess of debt: The debt is not covered by net income, percentage 157.84%.

6.2. Profit growth and share price

7. Dividends

7.1. Dividend yield vs Market

Negative review Low yield: The dividend yield of the company 2.51% is below the average for the sector '4.57%.

7.2. Stability and increase in payments

Positive review Dividend stability: The company's dividend yield 2.51% has been steadily paid over the past 7 years, DSI=0.93.

Positive review Dividend growth: Company's dividend yield 2.51% has been growing over the last 5 years. Growth over 14 years.

7.3. Payout percentage

Negative review Dividend Coverage: Current payments from income (19%) are at an uncomfortable level.

8. Insider trades

8.1. Insider trading

Positive review Insider Buying Exceeds insider sales by 100% over the last 3 months.

8.2. Latest transactions

No insider transactions have been recorded yet

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9. Stocks forum International Bancshares Corporation