TCBI vs. IBOC
TCBI (Texas Capital Bancshares, Inc.) and IBOC (International Bancshares Corporation) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, TCBI returned 7.91%/yr vs 13.80%/yr for IBOC. Their 0.67 correlation means they have sometimes moved together and sometimes differently.
Performance
TCBI vs. IBOC - Performance Comparison
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Returns By Period
In the year-to-date period, TCBI achieves a 9.40% return, which is significantly lower than IBOC's 16.38% return. Over the past 10 years, TCBI has underperformed IBOC with an annualized return of 7.91%, while IBOC has yielded a comparatively higher 13.80% annualized return.
TCBI
- 1D
- 0.11%
- 1M
- -4.91%
- 6M
- -2.10%
- YTD
- 9.40%
- 1Y
- 22.40%
- 3Y*
- 16.50%
- 5Y*
- 9.48%
- 10Y*
- 7.91%
- ALL TIME*
- 9.65%
IBOC
- 1D
- 0.26%
- 1M
- 0.84%
- 6M
- 11.03%
- YTD
- 16.38%
- 1Y
- 15.80%
- 3Y*
- 18.06%
- 5Y*
- 17.26%
- 10Y*
- 13.80%
- ALL TIME*
- 12.51%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $20.38M | $21.95M | $26.02M | |
| $55.93M | $53.20M | $51.85M |
TCBI vs. IBOC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TCBI Texas Capital Bancshares, Inc. | 9.40% | 15.78% | 21.00% | 7.16% | 0.10% | 1.26% | 4.81% | 11.12% | -42.53% | 13.39% |
IBOC International Bancshares Corporation | 16.38% | 7.41% | 19.11% | 21.97% | 10.94% | 16.51% | -9.51% | 28.67% | -11.78% | -0.96% |
Correlation
The correlation between TCBI and IBOC is 0.72, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.72 |
Correlation (3Y) Balances recent behavior with more history. | 0.76 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.76 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.75 |
Correlation (All Time) Calculated using the full available price history since Aug 14, 2003 | 0.67 |
The correlation between TCBI and IBOC has been stable across timeframes, ranging from 0.67 to 0.76 - a consistent structural relationship.
Fundamentals
TCBI:
$4.30B
IBOC:
$4.76B
TCBI:
$7.81
IBOC:
$10.06
TCBI:
12.66
IBOC:
7.61
TCBI:
0.14
IBOC:
0.53
TCBI:
2.24
IBOC:
3.95
TCBI:
$2.02B
IBOC:
$804.91M
TCBI:
$1.26B
IBOC:
$632.71M
TCBI:
$533.43M
IBOC:
$416.98M
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Return for Risk
TCBI vs. IBOC — Risk / Return Rank
TCBI
IBOC
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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| TCBI | IBOC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | 0.00 | ||
| Sortino ratioReturn per unit of downside risk | -0.04 | ||
| Omega ratioGain probability vs. loss probability | 1.14 | 1.13 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 1.27 | 1.15 | +0.12 |
| Martin ratioReturn relative to average drawdown | 3.29 | 2.72 | +0.56 |
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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.
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Drawdown Indicators
| TCBI | IBOC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -81.15% | -77.43% | -3.72% |
Max Drawdown (1Y)Largest decline over 1 year | -14.21% | -12.74% | -1.47% |
Max Drawdown (3Y)Largest decline over 3 years | -31.71% | -24.09% | -7.62% |
Max Drawdown (5Y)Largest decline over 5 years | -38.35% | -24.09% | -14.26% |
Max Drawdown (10Y)Largest decline over 10 years | -81.15% | -63.37% | -17.78% |
Current DrawdownCurrent decline from peak | -8.25% | -1.67% | -6.58% |
Average DrawdownAverage peak-to-trough decline | -23.87% | -16.68% | -7.19% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.52% | 5.35% | +0.17% |
Volatility
TCBI vs. IBOC - Volatility Comparison
Texas Capital Bancshares, Inc. (TCBI) has a higher volatility of 7.61% compared to International Bancshares Corporation (IBOC) at 5.14%. 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.
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Volatility by Period
| TCBI | IBOC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.61% | 5.14% | +2.47% |
Volatility (6M)Calculated over the trailing 6-month period | 18.96% | 14.77% | +4.19% |
Volatility (1Y)Calculated over the trailing 1-year period | 28.16% | 22.87% | +5.29% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 35.10% | 28.03% | +7.07% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 41.23% | 34.04% | +7.19% |
Dividends
TCBI vs. IBOC - Dividend Comparison
TCBI's dividend yield for the trailing twelve months is around 0.20%, less than IBOC's 1.87% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
IBOC International Bancshares Corporation | 1.87% | 2.11% | 2.09% | 2.32% | 2.62% | 2.71% | 2.94% | 2.44% | 2.18% | 1.66% | 1.47% | 2.26% |
TCBI Texas Capital Bancshares, Inc. | 0.20% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
TCBI vs. IBOC - Financials Comparison
This section allows you to compare key financial metrics between Texas Capital Bancshares, Inc. and International Bancshares Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
Frequently Asked Questions
TCBI and IBOC have a correlation of 0.72, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TCBI has higher volatility (7.61%) compared to IBOC (5.14%). In terms of maximum drawdown, TCBI dropped -81.15% vs IBOC's -77.43%.
TCBI currently has the higher Sharpe Ratio (0.64 vs 0.64), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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