International Bancshares Corporation
International Bancshares Corporation, a financial holding company, provides commercial and retail banking services. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment…
Banks - Regional
US, Laredo [HQ]
Ratios
15 Sheets · Starting from 2023Margins, Growth Rates In %
| Ratio | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||
| Gross Margin | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |
| Profit Margin | 24.25 | 23.07 | 24.20 | 21.49 | 25.36 | 29.15 | 26.91 | 26.44 | 29.90 | 37.35 | 34.85 | 31.07 | 42.78 | 44.49 | 42.27 | |
| Operating Margin | 61.25 | 55.90 | 54.35 | 46.42 | 47.62 | 52.62 | 49.42 | 47.41 | 49.48 | 56.25 | 44.16 | 39.33 | 54.30 | 62.36 | - - | |
|
EPS Growth
|
-1.55 | -9.47 | -1.74 | -17.75 | 35.25 | 21.81 | -10.04 | -1.46 | 17.24 | 37.40 | -4.28 | -15.97 | 52.47 | 19.45 | 38.41 | |
| EPS USD | 190.00 | 172.00 | 169.00 | 139.00 | 188.00 | 229.00 | 206.00 | 203.00 | 238.00 | 327.00 | 313.00 | 263.00 | 401.00 | 479.00 | 663.00 | |
| Return on Assets (ROA) | 1.21 | 1.09 | 1.08 | 0.91 | 1.05 | 1.26 | 1.16 | 1.13 | 1.29 | 1.82 | 1.69 | 1.19 | 1.58 | 1.94 | 2.72 | |
| Return on Equity (ROE) | 10.14 | 8.91 | 7.95 | 7.51 | 8.87 | 9.69 | 8.21 | 7.77 | 8.56 | 11.13 | 9.68 | 7.68 | 11.00 | 14.68 | 16.82 | |
| Return on Invested Capital (ROIC) | 7.89 | 7.58 | 8.31 | 6.67 | 5.78 | 6.51 | 5.34 | 4.79 | 4.12 | 7.80 | 6.20 | 5.27 | 7.65 | 12.59 | - - | |
| Solvency | ||||||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 13.17 | 10.28 | 5.83 | 7.91 | 11.71 | 10.24 | 12.24 | 14.25 | 21.79 | 11.50 | 9.81 | 7.12 | 6.30 | 3.72 | 4.29 | |
| Debt/Equity | 110.04 | 84.15 | 42.80 | 65.46 | 99.32 | 79.04 | 86.50 | 97.54 | 144.36 | 70.38 | 56.08 | 45.87 | 43.77 | 28.21 | 26.56 | |
| Debt/EBITDA | 329.38 | 289.60 | 129.85 | 248.44 | 425.54 | 328.25 | 142.38 | 235.70 | 381.38 | 156.44 | 174.98 | -594.09 | -759.59 | -438.79 | -4.69 | |
|
Debt/Capitalization
|
52.39 | 45.70 | 29.97 | 39.56 | 49.83 | 44.15 | 46.38 | 49.38 | 59.08 | 41.31 | 35.93 | 31.45 | 30.45 | 22.00 | 20.98 | |
| Long-Term Debt/Capitalization | 52.39 | 45.70 | 29.97 | 39.56 | 49.83 | 44.15 | 28.60 | 34.13 | 42.44 | 30.87 | 26.44 | 20.77 | 19.82 | 6.65 | 4.66 | |
| Interest Debt per Share USD | 24.70 | 19.76 | 11.54 | 15.08 | 21.87 | 19.38 | 22.36 | 26.15 | 40.78 | 21.45 | 19.03 | 16.29 | 16.37 | 9.81 | 10.61 | |
| Debt Growth | -43.15 | -20.72 | -44.22 | 37.21 | 50.54 | -11.69 | -46.60 | 33.97 | 51.67 | -36.11 | -12.12 | -24.99 | -0.03 | -74.49 | 346.49 | |
| Liquidity | ||||||||||||||||
| Current Ratio | - - | - - | - - | - - | - - | - - | 104.16 | 68.66 | 146.66 | 185.30 | 99.40 | 99.45 | 118.72 | 79.90 | 9.45 | |
| Quick Ratio | - - | - - | - - | - - | - - | - - | 74.43 | 48.83 | 98.01 | 95.22 | 99.40 | 99.45 | 118.72 | 79.90 | 70.44 | |
| Cash Ratio | - - | - - | - - | - - | - - | - - | 4.51 | 2.94 | 5.84 | 8.01 | 6.95 | 38.83 | 51.12 | 25.46 | 8.28 | |
| Operating Cash Flow Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Turnover | ||||||||||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Receivables Turnover | 1,410.45 | 1,580.25 | 1,641.52 | 1,616.71 | 1,625.20 | 1,670.02 | 1,609.56 | 1,574.31 | 1,528.36 | 1,571.06 | 1,607.31 | 1,421.47 | 1,940.31 | 1,473.69 | 1,491.66 | |
| Payables Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
|
Asset Turnover
|
5.00 | 4.72 | 4.47 | 4.22 | 4.12 | 4.31 | 4.32 | 4.29 | 4.32 | 4.87 | 4.86 | 3.84 | 3.70 | 4.35 | 6.43 | |
| Fixed Turnover | 120.03 | 120.17 | 115.95 | 104.25 | 98.68 | 99.81 | 98.35 | 96.00 | 102.36 | 114.07 | 116.19 | 112.21 | 132.77 | 156.33 | 222.86 | |
| Coverage | ||||||||||||||||
| Interest Coverage | 257.89 | 276.24 | 302.79 | 312.62 | 434.22 | 594.03 | 566.73 | 556.78 | 669.32 | 617.55 | 443.39 | 541.32 | 1,201.32 | 1,102.83 | - - | |
| Asset Coverage | 700 | 900 | 1,700 | 1,200 | 800 | 900 | 900 | 300 | 600 | 900 | 1,100 | 1,600 | 1,700 | 5,300 | 1,200 | |
| Cash Flow Coverage (CFGR) | 3.68 | 10.36 | 26.40 | 17.03 | 14.78 | 15.45 | 14.14 | 12.08 | 7.41 | 16.84 | 26.23 | 30.54 | 28.87 | 67.26 | 74.86 | |
| EBITDA Coverage | 200 | 300 | 300 | 300 | 400 | 600 | 600 | 600 | 700 | 600 | 400 | 600 | 1,200 | 1,100 | 200 | |
| Dividend Coverage | -400 | -300 | -300 | -200 | -400 | -400 | -300 | -300 | -300 | -400 | -200 | -200 | -300 | -300 | -500 | |
| Time Interest Earned (TIE) | -200 | -200 | -200 | -100 | -100 | -200 | -100 | -100 | -100 | -200 | -100 | -100 | -200 | -200 | 1,000 | |
| Market Prospects | ||||||||||||||||
| Dividend Yield | 2.55 | 2.59 | 2.94 | 3.05 | 1.63 | 1.96 | 2.26 | 1.47 | 1.66 | 2.18 | 2.44 | 2.93 | 2.71 | 2.63 | 2.32 | |
| Earnings Yield | 11.04 | 9.56 | 10.27 | 8.87 | 7.13 | 8.63 | 8.01 | 4.98 | 6.00 | 9.50 | 7.27 | 7.01 | 9.46 | 10.47 | 12.21 | |
|
Price/Earnings (P/E)
|
905.79 | 1,046.33 | 973.72 | 1,127.94 | 1,401.86 | 1,158.85 | 1,248.31 | 2,009.60 | 1,665.46 | 1,053.14 | 1,374.95 | 1,425.96 | 1,057.62 | 955.01 | 818.99 | |
| Price/Earnings Growth (PEG) | -582.73 | -110.45 | -558.26 | -63.54 | 39.77 | 53.14 | -124.29 | -1,379.92 | 96.60 | 28.16 | -321.15 | -89.26 | 20.16 | 49.10 | 21.32 | |
|
Price/Book (P/B)
|
91.86 | 93.23 | 77.37 | 84.72 | 124.35 | 112.28 | 102.48 | 156.06 | 142.58 | 117.25 | 133.14 | 109.55 | 116.33 | 140.22 | 137.77 | |
| Price/Tangible Book (P/TB) | 91.86 | 93.23 | 77.37 | 84.72 | 124.35 | 112.28 | 102.48 | 156.06 | 142.58 | 117.25 | 133.14 | 109.55 | 116.33 | 140.22 | 137.77 | |
| Price/Sales (P/S) | 219.67 | 241.42 | 235.68 | 242.42 | 355.54 | 337.80 | 335.86 | 531.40 | 497.91 | 393.30 | 479.12 | 443.09 | 452.41 | 424.93 | 346.21 | |
|
Price/Cash Flow (P/CF)
|
2,268.41 | 1,069.36 | 684.69 | 760.13 | 846.98 | 919.41 | 838.09 | 1,324.42 | 1,332.20 | 989.38 | 905.13 | 781.92 | 920.71 | 739.09 | 693.03 | |
| Price/Free CF (P/FCF) | -30,237.31 | 1,225.27 | 772.56 | 1,244.91 | 1,113.23 | 1,243.93 | 928.51 | 1,637.52 | 1,436.70 | 1,090.93 | 1,000.12 | 799.54 | 954.71 | 777.61 | 734.54 | |
| Price/Operating CF (P/OCF) | 2,268.41 | 1,069.36 | 684.69 | 760.13 | 846.98 | 919.41 | 838.09 | 1,324.42 | 1,332.20 | 989.38 | 905.13 | 781.92 | 920.71 | 739.09 | 693.03 |