ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is International Bancshares Corp. ?
1
High Profitability with a Net Interest Margin of 7.19%
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 18.07%
4
With ROA of 1.89%, it has a fair valuation with a 2.12 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 -10.94%, its profits have risen by 0.3% ; the PEG ratio of the company is 15
5
High Institutional Holdings at 71.42%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.76% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- 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.
-3.39%
0.90
26.55%
S&P 500
12.66%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.12%
EBIT Growth (5y)
19.67%
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
71.42%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
2.12
EV to EBIT
12.21
EV to EBITDA
11.66
EV to Capital Employed
2.21
EV to Sales
6.80
PEG Ratio
15.01
Dividend Yield
1.38%
ROCE (Latest)
18.14%
ROE (Latest)
14.12%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(Q)
Highest at 1.74%
-1What is not working for the Company
CASH AND EQV(HY)
Lowest at USD 1,321.38 MM
Here's what is working for International Bancshares Corp.
Credit Deposit Ratio
Highest at 1.74% 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)
CASA
Highest at 23.84%
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.
Cash and Eqv
Lowest at USD 1,321.38 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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