ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is International Bancshares Corp. ?
1
High Profitability with a Net Interest Margin of 8.09%
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 19.74%
4
Flat results in Sep 25
- CASH AND EQV(HY) Lowest at USD 1,321.24 MM
5
With ROA of 1.89%, it has a very attractive valuation with a 2.10 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 8.42%, its profits have risen by 2% ; the PEG ratio of the company is 8
6
High Institutional Holdings at 73.47%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.9% over the previous quarter.
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, Medium Return
Absolute
Risk Adjusted
Volatility
International Bancshares Corp.
10.31%
0.88
27.51%
S&P 500
20.78%
0.92
19.35%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.42%
EBIT Growth (5y)
21.70%
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
20.10%
Pledged Shares
0
Institutional Holding
71.57%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
2.10
EV to EBIT
12.41
EV to EBITDA
11.87
EV to Capital Employed
2.23
EV to Sales
6.89
PEG Ratio
8.01
Dividend Yield
1.37%
ROCE (Latest)
17.98%
ROE (Latest)
13.63%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
CREDIT DEPOSIT RATIO(Q)
Highest at 1.64%
NII(Q)
Highest at USD 172.23 MM
NET SALES(Q)
Highest at USD 226.78 MM
OPERATING PROFIT(Q)
Highest at USD 132.85 MM
PRE-TAX PROFIT(Q)
Highest at USD 136.49 MM
-1What is not working for the Company
CASH AND EQV(HY)
Lowest at USD 1,321.24 MM
Here's what is working for International Bancshares Corp.
Credit Deposit Ratio
Highest at 1.64% 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 (%)
NII
Highest at USD 172.23 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 226.78 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 132.85 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 136.49 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Depreciation
Highest at USD 5.7 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for International Bancshares Corp.
Cash and Eqv
Lowest at USD 1,321.24 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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