# International Bancshares Corporation (IBOC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $71.91, market value $4.5 billion.

## Valuation
- **P/E (trailing): 10.8×** (5-yr avg 9.1×, 3-yr avg 9.0×). International Bancshares Corporation trades at 10.8× trailing earnings, close to its own five-year average of 9.1×. The Financial Services median in the September 2026 study was 13.1×.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 10.1%** (5-yr avg 12.6%). Free cash flow equals 10.1% of the market value, in line with its five-year average of 12.6%. Above 5% is generally attractive.
- **Earnings yield: 9.2%**. The inverse of the P/E: 9.2% of the price is earned each year.

## Profitability
- **Return on equity: 12.7%**. 12.7% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 0.8%** (3-yr 11.5%/yr, 5-yr 20.4%/yr). Earnings per share rose 0.8%.
- **Free-cash-flow growth (3 yr): 8.7%/yr**. Free cash flow has compounded at 8.7% a year over three years, keeping pace with earnings: the growth is real cash.

## Dividends
- **Dividend yield: 2.03%** ($1.43 per share, trailing). International Bancshares Corporation yields 2.03%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 21%** (20% of free cash flow). 21% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 16**. 16 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 4.9%/yr** (1-yr 6.1%). The dividend has grown 4.9% a year over five years.

## Price and momentum
- **Total return (1 yr): 0.3%** (YTD 9.3%, 3-mo -1.5%). The shares are up 0.3% over twelve months including dividends.
- **From 52-week high: -8.3%** (13.8% above the low). Trading 8% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 47**. An RSI of 47 is neutral.
- **Beta (1 yr): 0.47** (volatility 22%). Beta of 0.47 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=IBOC · Page: https://foliofundamentals.com/stocks/iboc

Not investment advice.