TCBI vs. IBOC

Last updated Apr 1, 2026

Compare and contrast key facts about Texas Capital Bancshares, Inc. (TCBI) and International Bancshares Corporation (IBOC).

Performance

TCBI vs. IBOC - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Texas Capital Bancshares, Inc. (TCBI) and International Bancshares Corporation (IBOC). The values are adjusted to include any dividend payments, if applicable.

TCBI vs. IBOC - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
TCBI Texas Capital Bancshares, Inc.	4.79%	15.78%	21.00%	7.16%	0.10%	1.26%	4.81%	11.12%	-42.53%	13.39%
IBOC International Bancshares Corporation	2.31%	7.41%	19.11%	21.97%	10.94%	16.51%	-9.51%	28.67%	-11.78%	-0.96%

Fundamentals

EPS TCBI : $6.50 IBOC : $6.62
PE Ratio TCBI : 14.59 IBOC : 10.16
PEG Ratio TCBI : 0.24 IBOC : 0.70
PS Ratio TCBI : 2.21 IBOC : 4.20
Total Revenue (TTM) TCBI : $1.99B IBOC : $998.07M
Gross Profit (TTM) TCBI : $1.15B IBOC : $827.08M
EBITDA (TTM) TCBI : $445.55M IBOC : $406.92M

Returns By Period

In the year-to-date period, TCBI achieves a 4.79% return, which is significantly higher than IBOC's 2.31% return. Over the past 10 years, TCBI has underperformed IBOC with an annualized return of 10.01%, while IBOC has yielded a comparatively higher 13.20% annualized return.

TCBI

• 1D: 2.34%
• 1M: -0.44%
• YTD: 4.79%
• 6M: 12.24%
• 1Y: 27.01%
• 3Y*: 24.67%
• 5Y*: 6.21%
• 10Y*: 10.01%

IBOC

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

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

TCBI vs. IBOC — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

TCBI

TCBI Risk / Return Rank: 68
TCBI Sharpe Ratio Rank: 70
TCBI Sortino Ratio Rank: 61
TCBI Omega Ratio Rank: 64
TCBI Calmar Ratio Rank: 72
TCBI Martin Ratio Rank: 74

IBOC

IBOC Risk / Return Rank: 53
IBOC Sharpe Ratio Rank: 54
IBOC Sortino Ratio Rank: 46
IBOC Omega Ratio Rank: 46
IBOC Calmar Ratio Rank: 59
IBOC Martin Ratio Rank: 59

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.

TCBI vs. IBOC - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Texas Capital Bancshares, Inc. (TCBI) and International Bancshares Corporation (IBOC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	TCBI	IBOC	Difference
Sharpe ratio Return per unit of total volatility	0.83	0.34	+0.49
Sortino ratio Return per unit of downside risk	1.22	0.65	+0.56
Omega ratio Gain probability vs. loss probability	1.18	1.09	+0.09
Calmar ratio Return relative to maximum drawdown	1.59	0.74	+0.84
Martin ratio Return relative to average drawdown	4.32	1.68	+2.64
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

TCBI vs. IBOC - Sharpe Ratio Comparison

The current TCBI Sharpe Ratio is 0.83, which is higher than the IBOC Sharpe Ratio of 0.34. The chart below compares the historical Sharpe Ratios of TCBI and IBOC, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	TCBI	IBOC	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.83	0.34	+0.49
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.18	0.36	-0.18
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.24	0.39	-0.15
Sharpe Ratio (All Time) Calculated using the full available price history	0.24	0.34	-0.10

Correlation

The correlation between TCBI and IBOC is 0.67, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

TCBI vs. IBOC - Dividend Comparison

TCBI has not paid dividends to shareholders, while IBOC's dividend yield for the trailing twelve months is around 2.13%.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
TCBI Texas Capital Bancshares, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
IBOC International Bancshares Corporation	2.13%	2.11%	2.09%	2.32%	2.62%	2.71%	2.94%	2.44%	2.18%	1.66%	1.47%	2.26%

Drawdowns

TCBI vs. IBOC - Drawdown Comparison

The maximum TCBI drawdown since its inception was -81.15%, roughly equal to the maximum IBOC drawdown of -77.43%. Use the drawdown chart below to compare losses from any high point for TCBI and IBOC.

Drawdown Indicators

	TCBI	IBOC	Difference
Max Drawdown Largest peak-to-trough decline	-81.15%	-77.43%	-3.72%
Max Drawdown (1Y) Largest decline over 1 year	-18.03%	-12.74%	-5.29%
Max Drawdown (5Y) Largest decline over 5 years	-38.35%	-24.98%	-13.37%
Max Drawdown (10Y) Largest decline over 10 years	-81.15%	-63.37%	-17.78%
Current Drawdown Current decline from peak	-10.47%	-8.86%	-1.61%
Average Drawdown Average peak-to-trough decline	-24.15%	-16.84%	-7.31%
Ulcer Index Depth and duration of drawdowns from previous peaks	6.62%	5.63%	+0.99%

Volatility

TCBI vs. IBOC - Volatility Comparison

Texas Capital Bancshares, Inc. (TCBI) has a higher volatility of 6.11% compared to International Bancshares Corporation (IBOC) at 3.69%. This indicates that TCBI's price experiences larger fluctuations and is considered to be riskier than IBOC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	TCBI	IBOC	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.11%	3.69%	+2.42%
Volatility (6M) Calculated over the trailing 6-month period	23.02%	17.97%	+5.05%
Volatility (1Y) Calculated over the trailing 1-year period	32.81%	26.53%	+6.28%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	35.67%	28.68%	+6.99%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	41.78%	34.35%	+7.43%

Financials

TCBI vs. IBOC - Profitability Comparison

The chart below illustrates the profitability comparison between Texas Capital Bancshares, Inc. and International Bancshares Corporation over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

TCBI - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Texas Capital Bancshares, Inc. reported a gross profit of 328.35M and revenue of 529.20M. Therefore, the gross margin over that period was 62.1%.

IBOC - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, International Bancshares Corporation reported a gross profit of 212.17M and revenue of 212.17M. Therefore, the gross margin over that period was 100.0%.

TCBI - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Texas Capital Bancshares, Inc. reported an operating income of 137.78M and revenue of 529.20M, resulting in an operating margin of 26.0%.

IBOC - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, International Bancshares Corporation reported an operating income of 151.46M and revenue of 212.17M, resulting in an operating margin of 71.4%.

TCBI - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Texas Capital Bancshares, Inc. reported a net income of 105.21M and revenue of 529.20M, resulting in a net margin of 19.9%.

IBOC - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, International Bancshares Corporation reported a net income of 106.88M and revenue of 212.17M, resulting in a net margin of 50.4%.