IBOC
INTERNATIONAL BANCSHARES CORP
Financials • CIK: 0000315709
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Market Cap
$4.13B
P/E (TTM)
10.0x
Rev Growth (TTM)
+1.0%
Net Margin (TTM)
49.0%
FCF Yield (TTM)
11.4%
FCF Margin (TTM)
56.2%
Cash Flow Health
Free Cash Flow8/8 positive
TTM$473M
Q4 '25
$136M+21%
Q3 '25
$112M+22%
FCF Margin
TTM56.2%
Q4 '2562.5%+21%
Sector: 22.2%Top 10%
OCF Margin58.3%
OCF/NI1.19x
CapEx Coverage27.1x
FCF Yield11.4%
FCF Growth (2Y)+9%
Cash Conversion Cycle
0 days
DSO: 0+DIO: 0−DPO: 0
Capital Allocation & Returns
Balanced
Total Shareholder YieldFY
FY2.1%
Div Yield2.1%
+Buyback (FY)0.1%
Balancing returns with reinvestment
Dividend & Payout Metrics
Dividend Yield (TTM)2.1%
FCF Payout Ratio18.4%
Free Cash Flow (TTM)$472.9M
Stock Repurchases (FY)$4.6M
Capital Return / FCF18.4%
Est. Dividends Paid (TTM)$87.0M
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
–
P25MedianP75
(med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
–
Asset Turnover
0.05x
8Q: 0.05x
Leverage (1+D/E)
1.00x
D/E: 0.00x
Asset & CapEx Efficiency
Fixed Asset Turn
1.97x
8Q:1.93x
+14.8%
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $842.2M | $217.7M↓0.2% | $218.1M↑4.8% | $208.2M↑5.0% | $198.2M↓4.8% | $208.3M↓1.7% | $211.8M↑1.9% | $207.8M↑0.9% | $205.8M |
Operating Income | $535.5M | $142.3M↑2.9% | $138.3M↑6.1% | $130.4M↑4.8% | $124.4M↓7.9% | $135.1M↓0.3% | $135.6M↑1.4% | $133.6M↓1.9% | $136.2M |
Net Income | $412.3M | $106.9M↓1.4% | $108.4M↑8.2% | $100.1M↑3.4% | $96.9M↓15.8% | $115.1M↑15.3% | $99.8M↑2.9% | $97.0M↓0.4% | $97.3M |
Operating Cash Flow | $491.1M | $139.9M↑21.5% | $115.2M↑20.6% | $95.5M↓32.0% | $140.5M↑22.3% | $114.9M↓1.4% | $116.5M↑8.7% | $107.2M↓20.8% | $135.4M |
Free Cash Flow | $472.9M | $136.0M↑21.2% | $112.2M↑22.5% | $91.6M↓31.1% | $133.1M↑14.2% | $116.5M↑6.4% | $109.6M↑4.5% | $104.9M↓18.6% | $128.9M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
10.0x
Volatile
8Q: 38.0x+437%
Valuation Lenses
Earnings
10.0x
vs – sector
Cash Flow
-3.1x
EV/FCF vs –
Growth-Adj
–PEG
N/A
Quality-Adj
–P/E per %ROIC
ROIC: –
Shareholder Returns
Dividend
2.1%
Buyback
–
Total Yield
2.1%
Market Cap$4.13B
EV$-1.46B
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
82/100
Exceptional
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Above Avg
13.7%
8Q:–
Return on Invested Capital (ROIC)
–
8Q:–
vs Sector:0.1%
Earnings Quality
Cash Conversion
1.19x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin–
Capital Efficiency
Invested Capital Turnover–
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
55/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
1.0%
OpInc Growth YoY
5.3%
EPS Growth YoY
0.8%
FCF 3Y CAGR
8.7%
Growth Quality Analysis
✓Efficient Growth: Free cash flow growing faster than revenue
Margin Quality & Sustainability
Moderate
Profitability Cascade
Gross
—
Operating
—
Net
49.0%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
+7.2 pts
FCF: 56.2% | Net: 49.0%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $5.51B
Interest Coverage
–
+Net cash position: $5.51B
Leverage Metrics
Debt-to-Equity
0.00x
Balance sheet risk & solvency analysis