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Upturn AI SWOT - About
IBOC 
International Bancshares Corporation (IBOC)
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Upturn Advisory Summary
09/12/2025: IBOC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -11.1% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.14B USD | Price to earnings Ratio 10.13 | 1Y Target Price 22 |
Price to earnings Ratio 10.13 | 1Y Target Price 22 | ||
Volume (30-day avg) - | Beta 0.84 | 52 Weeks Range 54.11 - 76.08 | Updated Date 06/29/2025 |
52 Weeks Range 54.11 - 76.08 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.10% | Basic EPS (TTM) 6.57 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 50.85% | Operating Margin (TTM) 63.25% |
Management Effectiveness
Return on Assets (TTM) 2.58% | Return on Equity (TTM) 15.2% |
Valuation
Trailing PE 10.13 | Forward PE - | Enterprise Value 4275402752 | Price to Sales(TTM) 5.14 |
Enterprise Value 4275402752 | Price to Sales(TTM) 5.14 | ||
Enterprise Value to Revenue 5.18 | Enterprise Value to EBITDA - | Shares Outstanding 62141900 | Shares Floating 55997341 |
Shares Outstanding 62141900 | Shares Floating 55997341 | ||
Percent Insiders 13.45 | Percent Institutions 69.89 |
Upturn AI SWOT
International Bancshares Corporation
Company Overview
History and Background
International Bancshares Corporation was founded in 1966. Initially focused on serving the border communities between Texas and Mexico, it has grown organically and through strategic acquisitions to become one of the largest independent bank holding companies in Texas.
Core Business Areas
- Commercial Banking: Offers a wide array of commercial banking products and services, including commercial loans, deposit accounts, cash management, and international trade finance.
- Retail Banking: Provides retail banking services such as checking and savings accounts, personal loans, mortgages, and credit cards.
- Wealth Management: Offers wealth management services including trust and estate planning, investment management, and financial advisory services.
Leadership and Structure
Dennis E. Nixon serves as the Chairman and CEO. The organizational structure includes various departments such as lending, operations, finance, and compliance, each headed by senior executives. It operates with a decentralized community banking model, giving autonomy to local bank presidents.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans form a significant part of IBC's revenue. Market share data specific to IBC's commercial loan portfolio is not publicly available, but they are a leading lender in their served markets. Competitors include larger national banks like JPMorgan Chase and Bank of America, as well as regional banks like Frost Bank and Comerica Bank.
- Deposit Accounts: IBC offers a variety of deposit accounts, including checking, savings, and money market accounts. Competition is intense from both traditional and online banks. Market share data specific to IBC's deposit accounts is not readily available.
- International Trade Finance: IBC has a strong presence in international trade finance, facilitating cross-border transactions between the US and Mexico. Specific market share data is unavailable, but this service sets them apart from some regional competitors. Competitors include larger multinational banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment of rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. The industry is consolidating, with larger banks acquiring smaller institutions.
Positioning
International Bancshares Corporation positions itself as a community-focused bank with strong relationships with its customers. Its competitive advantage lies in its deep understanding of the Texas-Mexico border region and its ability to provide customized financial solutions.
Total Addressable Market (TAM)
The total addressable market for banking services in Texas is estimated to be in the hundreds of billions of dollars. International Bancshares Corporation, with its regional focus, captures a portion of this market. TAM estimates are unavailable. IBC positioned with respect to the TAM is to compete in TX and MX area, catering to business and individual needs.
Upturn SWOT Analysis
Strengths
- Strong presence in the Texas-Mexico border region
- Experienced management team
- Strong balance sheet
- Focus on community banking
- Established international trade finance capabilities
Weaknesses
- Geographic concentration
- Limited brand recognition outside of Texas
- Smaller scale compared to national banks
- Reliance on traditional banking models
Opportunities
- Expansion into new markets within Texas
- Increased adoption of digital banking technologies
- Growth in international trade
- Acquisitions of smaller banks
- Growing wealth management segment
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn in Texas or Mexico
- Cybersecurity threats
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- C
- WFC
- FRO
Competitive Landscape
International Bancshares Corporation faces intense competition from larger national banks with greater resources. However, its focus on community banking and its expertise in the Texas-Mexico border region provide a competitive advantage.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic expansion and strategic acquisitions.
Future Projections: Future growth projections are dependent on economic conditions and strategic initiatives. Analyst estimates are unavailable in this response.
Recent Initiatives: Recent initiatives include investments in digital banking technologies and expansion of wealth management services.
Summary
International Bancshares Corporation is a regional bank with a strong presence in the Texas-Mexico border area. Its community-focused approach and expertise in international trade finance are key strengths. However, its geographic concentration and smaller scale compared to national banks pose challenges. Recent investments in digital banking and wealth management are positive steps toward future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports (Unavailable in this response)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Financial performance and growth projections are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About International Bancshares Corporation
Exchange NASDAQ | Headquaters Laredo, TX, United States | ||
IPO Launch date 1996-05-30 | CEO & President of International Bank of Commerce - San Antonio Mr. Mike K. Sohn | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2103 | Website https://www.ibc.com |
Full time employees 2103 | Website https://www.ibc.com | ||
International Bancshares Corporation, a multibank financial holding company, provides a range of commercial and retail banking services in Texas and the State of Oklahoma. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collections, escrow, drive up and walk up facilities, and other customary banking services; and internet and mobile banking services, as well as securities products through third party providers. The company offers its banking services through ATM network and retail locations in shopping malls and other places. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.
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