ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is International Bancshares Corp. ?
1
High Profitability with a Net Interest Margin of 8.66%
2
The Bank has a high Capital Adequacy Ratio of 21.72% signifying high buffers against its risk based assets
3
Healthy long term growth as Net profit has grown by an annual rate of 19.77%
4
Positive results in Mar 26
- CREDIT DEPOSIT RATIO(Q) Highest at 1.66%
- OPERATING PROFIT MARGIN(Q) Highest at 59.25 %
5
With ROA of 1.66%, it has a very attractive valuation with a 1.97 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 13.92%, its profits have risen by 0.8% ; the PEG ratio of the company is 15.6
6
High Institutional Holdings at 73.3%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to International Bancshares Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is International Bancshares Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
International Bancshares Corp.
13.92%
1.48
24.35%
S&P 500
22.99%
1.78
12.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.72%
EBIT Growth (5y)
22.24%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
21.14%
Pledged Shares
0
Institutional Holding
73.30%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.97
EV to EBIT
12.33
EV to EBITDA
11.78
EV to Capital Employed
2.06
EV to Sales
6.92
PEG Ratio
15.55
Dividend Yield
1.38%
ROCE (Latest)
16.73%
ROE (Latest)
12.68%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
CREDIT DEPOSIT RATIO(Q)
Highest at 1.66%
OPERATING PROFIT MARGIN(Q)
Highest at 59.25 %
-1What is not working for the Company
NET SALES(Q)
Lowest at USD 214.6 MM
Here's what is working for International Bancshares Corp.
Credit Deposit Ratio
Highest at 1.66% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Operating Profit Margin
Highest at 59.25 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Here's what is not working for International Bancshares Corp.
Net Sales
Lowest at USD 214.6 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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