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Upturn AI SWOT - About
IBOC 
International Bancshares Corporation (IBOC)
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Upturn Advisory Summary
07/10/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -12.9% | Avg. Invested days 31 | 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 07/10/2025 |
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 (IBOC) was founded in 1966. It has grown through organic expansion and acquisitions, primarily serving the South Texas and Oklahoma markets. Initially focused on border communities, it has expanded its reach to become a significant regional bank.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending services, including loans for working capital, equipment, and real estate. They also offer treasury management services.
- Retail Banking: Offers traditional retail banking products such as checking and savings accounts, mortgage loans, and consumer loans.
- Wealth Management: Provides wealth management and trust services to individuals and businesses.
Leadership and Structure
Dennis E. Nixon serves as the Chairman and CEO. The company has a traditional hierarchical structure with regional presidents overseeing banking operations in different geographic areas. The board of directors oversees corporate governance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including real estate, equipment and working capital. Market share data specific to IBOC's commercial loan portfolio is not readily available. Competitors include regional and national banks such as Frost Bank (CFR), Texas Capital Bancshares (TCBI) and Bank of America (BAC).
- Mortgage Loans: Residential mortgage loans for home purchases and refinances. Market share data specific to IBOC's mortgage portfolio is not readily available. Competitors include regional and national banks such as Wells Fargo (WFC), JPMorgan Chase (JPM) and Bank of America (BAC).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data specific to IBOC's deposit base is not readily available. Competitors include regional and national banks such as Frost Bank (CFR), Texas Capital Bancshares (TCBI) and Bank of America (BAC).
Market Dynamics
Industry Overview
The banking industry is highly competitive, with increasing regulatory scrutiny and evolving customer expectations. Factors such as interest rate fluctuations, economic conditions, and technological advancements significantly impact performance.
Positioning
International Bancshares Corporation is positioned as a community-focused bank with a strong presence in South Texas and Oklahoma. Its competitive advantages include its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM is estimated to be in the billions of dollars, representing the total banking market in its operating regions. IBOC is positioned to capture a portion of this TAM through its branch network and service offerings. The exact TAM figure is difficult to ascertain without precise geographical market breakdowns.
Upturn SWOT Analysis
Strengths
- Strong presence in South Texas and Oklahoma
- Experienced management team
- Solid balance sheet
- Customer relationships
- Stable deposit base
Weaknesses
- Limited geographic diversification
- Higher efficiency ratio compared to peers
- Dependence on specific regional economies
- Smaller scale compared to larger national banks
Opportunities
- Expansion into new markets within Texas and Oklahoma
- Increased adoption of digital banking services
- Potential acquisitions of smaller banks
- Growth in wealth management services
Threats
- Economic downturns in Texas and Oklahoma
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- CFR
- TCBI
- BOKF
Competitive Landscape
IBOC is a strong regional player, but faces competition from larger national banks with greater resources and broader product offerings. Differentiation is key.
Growth Trajectory and Initiatives
Historical Growth: IBOC has demonstrated steady growth over the years, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth for IBOC, but may vary due to fluctuations in external conditions and IBOC-specific initiatives. IBOC's growth trajectory is generally consistent with other regional banks in Texas.
Recent Initiatives: Recent initiatives may include branch expansions, technology upgrades, and new product launches. Evaluate recent annual reports and press releases for details.
Summary
International Bancshares Corporation is a well-established regional bank with a strong presence in South Texas and Oklahoma. Its customer focus and experienced management team are working in its favor. IBOC needs to diversify geographically and technologically to mitigate the risks associated with economic downturns and increased competition. Overall, it is a stable company with potential for continued growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Annual Reports
- SEC Filings
- Financial News Articles
- Market Data Providers
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Market conditions and company performance may change. Consult with a qualified financial advisor before making any investment decisions.
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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