Obermatt

International Bancshares

NSQ:IBOC · US4590441030
BanksSmall

360

92
Profit price85
Cash yield47
Price/Sales8
EV / Gross Profit34
Price/Book24
Returns on capital98
Profit margins
Cash Conversion54
Accruals34
Owner Earnings Margin98
Sales growth17
Profit Growth30
Owner Earnings Growth16
Reinvestment55
Price momentum12
Debt load42
Debt serviceability56
Liquidity98
Analyst ratings100
Opinion Changes50
Price Target Upside89
Market mood95
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

International Bancshares clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1979
Employees875
Websiteibc.com
ISINUS4590441030
Last UpdateApr 2, 2026

Description

International Bancshares Corporation, a registered multibank financial holding company, provides commercial and retail banking services in its main banking and branch facilities located in north, south, central, and southeast Texas, and the state of…

Analysis

Quality compounder

International Bancshares Corporation earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 11.0×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
66
20232026

All-time high

66

Jun 2026

All-time low

52

Mar 2026

Average rank

61

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
8
6
Price/Earnings
80
34
Price/Book
24
34
Dividend Yield
47
35
Value (overall)
41
13

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →