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
Flat results in Jun 26
- GROSS NPA (%)(Q) Highest at 3.01%
- CASH AND EQV(HY) Lowest at USD 1,037.1 MM
- OPERATING PROFIT(Q) Lowest at USD 118.88 MM
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 -1.00%, its profits have risen by 0.8% ; the PEG ratio of the company is 15.6
6
High Institutional Holdings at 84.32%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 11.02% over the previous quarter.
7
Below par performance in long term as well as near term
- Along with generating -1.00% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
International Bancshares Corp.
-1.0%
1.34
22.55%
S&P 500
15.36%
1.17
13.09%
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 Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 506.52 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(Q)
Highest at 3.01%
-8What is not working for the Company
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Lowest at USD 1,037.1 MM
OPERATING PROFIT(Q)
Lowest at USD 118.88 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 53.93 %
PRE-TAX PROFIT(Q)
Lowest at USD 121.11 MM
NET PROFIT(Q)
Lowest at USD 95.81 MM
EPS(Q)
Lowest at USD 1.54
Here's what is working for International Bancshares Corp.
Credit Deposit Ratio
Highest at 3.01% 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 (%)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Cash Flow
Highest at USD 506.52 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
CASA
Highest at 24.09%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for International Bancshares Corp.
Non Performing Loans (%)
Highest at 3.01%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Profit
Lowest at USD 118.88 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 53.93 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 121.11 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 95.81 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 1.54
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Cash and Eqv
Lowest at USD 1,037.1 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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