Financial Services
Live Price
Offline$77.10
+0.84% today
1Y Change
+14.89%
Window
Jun 27, 2025 → Jun 24, 2026
Coverage: 248 bars · Jun 27, 2025 → Jun 24, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
International Bancshares Corporation (IBOC) is a Financial Services stock with a market cap of $4.46B and listed on NASDAQ. The stock last traded around $77.10 and up 14.9% across the available one-year price window (Jun 27, 2025 → Jun 24, 2026). Baseline metrics include revenue growth of +1.0%, EPS growth of +0.8%, a dividend yield of 2.0%. What stands out right now is revenue +1.0%, EPS +0.8%, free cash flow +7.6% with operating margin 49.3% and ROIC 2.5%. The dividend is present but secondary, with a yield around 2.0%. Valuation is more restrained than many high-expectation growth names at P/E 10.9 and price/sales 4.2. Stock Foundry combines IBOC price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Edge
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
IBOC
—
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
IBOC Max Drawdown
-12.74%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for IBOC and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$620.4M
-13.0% YoY
FY Net Income
$253.9M
-15.4% YoY
Free Cash Flow
$281.3M
-23.7% YoY
Revenue Growth
+1.0%
EPS Growth
+0.8%
Gross Margin
78.3%
Net Margin
39.0%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 1.1B | 1.0B | 970M | 713M | 620M |
| Gross Profit | 825M | 802M | 799M | 653M | 586M |
| Operating Income | 520M | 509M | 524M | 383M | 322M |
| EBITDA | 544M | 531M | 545M | 404M | 347M |
| Net Income | 412M | 409M | 412M | 300M | 254M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 536M | 353M | 651M | 2.1B | 3.2B |
| Total Assets | 16.7B | 15.7B | 15.1B | 15.5B | 16.0B |
| Total Liabilities | 13.4B | 12.9B | 12.6B | 13.5B | 13.7B |
| Shareholder Equity | 3.3B | 2.8B | 2.4B | 2.0B | 2.3B |
| Total Debt | 705M | 655M | 650M | 577M | 1.0B |
| Net Debt | 168M | 302M | -1M | -1.5B | -2.2B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
292M
-24.8% YoY
Capital Expenditures
10M
+45.9% YoY
Free Cash Flow
281M
-23.7% YoY
Key ratios
Gross Margin
78.3%
Operating Margin
49.3%
Net Margin
39.0%
ROE
13.4%
Debt / Equity
0.22x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.