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International Bancshares Corporation (IBOC)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US4590441030
CUSIP
459044103
IPO Date
May 30, 1996

Highlights

Market Cap
$4.19B
Enterprise Value
$3.77B
EPS (TTM)
$6.62
PE Ratio
10.16
PEG Ratio
0.70
Total Revenue (TTM)
$998.07M
Gross Profit (TTM)
$827.08M
EBITDA (TTM)
$406.92M
Year Range
$54.11 - $75.44
Target Price
$85.00
ROA (TTM)
2.49%
ROE (TTM)
12.68%

Share Price Chart


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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in International Bancshares Corporation, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


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S&P 500 Index

Returns By Period

International Bancshares Corporation (IBOC) has returned 2.31% so far this year and 8.88% over the past 12 months. Looking at the last ten years, IBOC has achieved an annualized return of 13.20%, outperforming the S&P 500 Index benchmark, which averaged 12.16% per year.


International Bancshares Corporation

1D
0.37%
1M
0.27%
YTD
2.31%
6M
-1.13%
1Y
8.88%
3Y*
18.95%
5Y*
10.24%
10Y*
13.20%

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since May 30, 1996, IBOC's average daily return is +0.07%, while the average monthly return is +1.36%. At this rate, your investment would double in approximately 4.3 years.

Historically, 57% of months were positive and 43% were negative. The best month was Apr 2009 with a return of +75.7%, while the worst month was Feb 2009 at -45.1%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 11 months.

On a daily basis, IBOC closed higher 48% of trading days. The best single day was Mar 24, 2020 with a return of +22.8%, while the worst single day was Mar 18, 2020 at -32.8%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20264.82%-2.65%0.27%2.31%
20254.32%2.79%-5.88%-3.20%2.60%6.27%2.43%5.98%-3.90%-3.45%0.15%-0.06%7.41%
2024-2.69%-0.57%8.19%-0.87%2.12%0.67%17.88%-5.25%-5.37%2.46%19.38%-13.63%19.11%
20232.43%4.96%-11.77%-0.35%0.12%3.46%12.31%-8.56%-3.22%1.13%2.37%21.06%21.97%
2022-0.85%3.78%-1.86%-5.73%5.38%-4.41%9.43%-3.59%1.85%16.71%6.21%-13.14%10.94%
20210.99%16.90%6.52%2.09%-2.09%-7.46%-8.99%8.73%-0.57%1.83%-0.92%0.90%16.51%

Benchmark Metrics

International Bancshares Corporation has an annualized alpha of 8.46%, beta of 1.05, and R² of 0.31 versus S&P 500 Index. Calculated based on daily prices since May 31, 1996.

  • This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (97.98%) than losses (79.35%) — typical of diversified or defensive assets.
  • R² of 0.31 means the benchmark explains less than half of this stock's behavior — treat beta with caution or consider switching to a more representative benchmark.

Alpha
8.46%
Beta
1.05
0.31
Upside Capture
97.98%
Downside Capture
79.35%

Return for Risk

Risk / Return Rank

IBOC ranks 52 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.


IBOC Risk / Return Rank: 5252
Overall Rank
IBOC Sharpe Ratio Rank: 5353
Sharpe Ratio Rank
IBOC Sortino Ratio Rank: 4545
Sortino Ratio Rank
IBOC Omega Ratio Rank: 4545
Omega Ratio Rank
IBOC Calmar Ratio Rank: 5858
Calmar Ratio Rank
IBOC Martin Ratio Rank: 5858
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for International Bancshares Corporation (IBOC) and compare them to a chosen benchmark (S&P 500 Index).


IBOCBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

0.34

0.90

-0.56

Sortino ratio

Return per unit of downside risk

0.65

1.39

-0.73

Omega ratio

Gain probability vs. loss probability

1.09

1.21

-0.13

Calmar ratio

Return relative to maximum drawdown

0.74

1.40

-0.66

Martin ratio

Return relative to average drawdown

1.68

6.61

-4.92

Explore IBOC risk-adjusted metrics in detail

Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.

Dividends

Dividend History

International Bancshares Corporation provided a 2.13% dividend yield over the last twelve months, with an annual payout of $1.43 per share. The company has been increasing its dividends for 16 consecutive years.


1.50%2.00%2.50%3.00%$0.00$0.20$0.40$0.60$0.80$1.00$1.20$1.4020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$1.43$1.40$1.32$1.26$1.20$1.15$1.10$1.05$0.75$0.66$0.60$0.58

Dividend yield

2.13%2.11%2.09%2.32%2.62%2.71%2.94%2.44%2.18%1.66%1.47%2.26%

Monthly Dividends

The table displays the monthly dividend distributions for International Bancshares Corporation. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.00$0.73$0.00$0.73
2025$0.00$0.70$0.00$0.00$0.00$0.00$0.00$0.70$0.00$0.00$0.00$0.00$1.40
2024$0.00$0.66$0.00$0.00$0.00$0.00$0.00$0.66$0.00$0.00$0.00$0.00$1.32
2023$0.00$0.63$0.00$0.00$0.00$0.00$0.00$0.63$0.00$0.00$0.00$0.00$1.26
2022$0.00$0.60$0.00$0.00$0.00$0.00$0.00$0.60$0.00$0.00$0.00$0.00$1.20
2021$0.00$0.55$0.00$0.00$0.00$0.00$0.00$0.60$0.00$0.00$0.00$0.00$1.15

Dividend Yield & Payout


Dividend Yield

International Bancshares Corporation has a dividend yield of 2.13%, which is quite average when compared to the overall market.

Payout Ratio

International Bancshares Corporation has a payout ratio of 21.12%, which is below the market average. This means International Bancshares Corporation returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the International Bancshares Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the International Bancshares Corporation was 77.43%, occurring on Mar 30, 2009. Recovery took 1664 trading sessions.

The current International Bancshares Corporation drawdown is 8.86%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-77.43%Sep 22, 2008131Mar 30, 20091664Nov 5, 20151795
-63.37%Sep 21, 2018376Mar 20, 2020233Feb 23, 2021609
-35.32%May 5, 1998229Mar 31, 1999537May 16, 2001766
-34.52%Feb 19, 2004987Jan 18, 2008168Sep 18, 20081155
-30.43%Nov 30, 201538Jan 25, 2016177Oct 5, 2016215

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of International Bancshares Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how International Bancshares Corporation is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for IBOC, comparing it with other companies in the Banks - Regional industry. Currently, IBOC has a P/E ratio of 10.2. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for IBOC compared to other companies in the Banks - Regional industry. IBOC currently has a PEG ratio of 0.7. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for IBOC relative to other companies in the Banks - Regional industry. Currently, IBOC has a P/S ratio of 4.2. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for IBOC in comparison with other companies in the Banks - Regional industry. Currently, IBOC has a P/B value of 1.3. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items