Market Price

25.00 

1.20 5.0%

as of Apr 08 '20

52 Week Range:

14.90 39.40


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

International Bancshares Corporation, a financial holding company, provides commercial and retail banking services. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange. In addition, it offers other banking related services, such as credit cards and safety deposit boxes; collection, notary public, escrow, and drive up and walk up facilities, as well as other customary banking services; and Internet banking services, as well as securities products through third party providers. As of February 27, 2019, the company had 189 branch facilities and 287 ATMs serving 89 communities in Texas and Oklahoma. International Bancshares Corporation was founded in 1966 and is based in Laredo, Texas.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 19.04
22.89
25.05
23.01
24.79
28.37
growth rate 20.2% 9.4% -8.1% 7.7% 14.4%
Earnings BIT 260.85
236.33
225.61
244.63
growth rate -9.4% -4.5% 8.4%
Avg.PE 17.89
17.73
14.24
11.13
10.00
growth rate -0.9% -19.7% -21.8% -10.2%
ROA 1.07
0.99
0.96
0.79
1.05
1.26
1.14
1.14
1.31
1.80
1.71
growth rate -7.5% -3.0% -17.7% 32.9% 20.0% -9.5% 0.0% 14.9% 37.4% -5.0%
ROE 11.51
9.53
8.62
6.62
8.84
10.19
8.42
7.90
8.84
11.43
10.11
growth rate -17.2% -9.6% -23.2% 33.5% 15.3% -17.4% -6.2% 11.9% 29.3% -11.6%
Leverage 9.79
9.54
8.45
8.28
8.48
7.72
7.07
6.84
6.63
6.12
5.72
growth rate -2.6% -11.4% -2.0% 2.4% -9.0% -8.4% -3.3% -3.1% -7.7% -6.5%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 31.46
31.57
32.17
34.46
growth rate 0.4% 1.9% 7.1%
Acct.Payable 8,438.63
8,536.25
8,610.09
8,544.89
8,696.55
8,826.03
growth rate 1.2% 0.9% -0.8% 1.8% 1.5%
Cur.Assets 356.48
360.48
343.57
330.64
417.40
371.68
growth rate 1.1% -4.7% -3.8% 26.2% -11.0%
Total Assets 12,196.52
11,772.87
11,804.04
12,184.70
11,871.95
12,112.89
growth rate -3.5% 0.3% 3.2% -2.6% 2.0%
Cash 148.31
168.37
157.85
149.23
201.08
131.06
growth rate 13.5% -6.3% -5.5% 34.7% -34.8%
Inventory 69.87
55.85
42.20
30.82
63.80
78.24
growth rate -20.1% -24.4% -27.0% 107.0% 22.6%
Cur.Liabilities 8,682.42
9,156.82
9,396.54
9,832.94
9,195.51
9,252.57
growth rate 5.5% 2.6% 4.6% -6.5% 0.6%
Liabilities 10,615.86
10,107.37
10,079.37
10,345.72
9,932.37
9,994.84
growth rate -4.8% -0.3% 2.6% -4.0% 0.6%
LT Debt 1,863.91
874.37
612.32
421.40
597.11
571.15
growth rate -53.1% -30.0% -31.2% 41.7% -4.4%
Equity 1,580.66
1,665.50
1,724.67
1,838.98
1,939.58
2,118.05
growth rate 5.4% 3.6% 6.6% 5.5% 9.2%
Common Shares 68.00
68.00
68.00
67.00
67.00
67.00
67.00
66.00
67.00
67.00
66.00
growth rate 0.0% 0.0% -1.5% 0.0% 0.0% 0.0% -1.5% 1.5% 0.0% -1.5%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 50.36
19.83
38.86
14.32
21.40
29.59
growth rate -60.6% 95.9% -63.2% 49.5% 38.3%
Cash Dividends 34.76
38.52
39.57
43.59
49.60
68.67
growth rate 10.8% 2.7% 10.2% 13.8% 38.5%
Cash From OA 193.04
203.65
203.22
196.82
229.85
311.57
growth rate 5.5% -0.2% -3.2% 16.8% 35.6%
FCF per Share 1.68
2.73
2.34
2.32
2.36
3.17
growth rate 62.5% -14.3% -0.9% 1.7% 34.3%
Sale Purchase of Stock 0.56
1.37
0.55
1.46
growth rate 146.9% -59.9% 165.0%
FCF -4.00
111.00
160.00
98.00
159.00
143.00
184.00
164.00
183.00
208.00
282.00
growth rate 100.0% 44.1% -38.8% 62.2% -10.1% 28.7% -10.9% 11.6% 13.7% 35.6%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 508.36
482.81
486.27
515.39
572.47
569.60
growth rate -5.0% 0.7% 6.0% 11.1% -0.5%
Op.Income 249.97
222.63
215.64
231.69
280.74
267.75
growth rate -10.9% -3.1% 7.4% 21.2% -4.6%
IBT 229.94
206.84
197.00
221.64
272.58
259.95
growth rate -10.0% -4.8% 12.5% 23.0% -4.6%
Net Income 153.15
136.73
133.93
157.44
215.93
205.10
growth rate -10.7% -2.0% 17.6% 37.2% -5.0%
EPS 1.90
1.72
1.69
1.39
1.88
2.28
2.05
2.02
2.36
3.24
3.12
growth rate -9.5% -1.7% -17.8% 35.3% 21.3% -10.1% -1.5% 16.8% 37.3% -3.7%
Gross Profit 508.36
482.81
486.27
515.39
572.47
569.60
growth rate -5.0% 0.7% 6.0% 11.1% -0.5%

Quarterly Statements

Item Name Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Earnings BIT
growth rate
Balance Sheet Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Acct.Receivable
growth rate
Acct.Payable 8,696.55
8,895.93
8,828.66
8,812.06
8,826.03
growth rate 2.3% -0.8% -0.2% 0.2%
Cur.Assets 410.94
386.57
385.78
349.25
371.68
growth rate -5.9% -0.2% -9.5% 6.4%
Total Assets 11,871.95
12,027.70
12,227.02
11,966.04
12,112.89
growth rate 1.3% 1.7% -2.1% 1.2%
Cash 201.08
349.16
321.12
286.52
131.06
growth rate 73.7% -8.0% -10.8% -54.3%
Inventory 57.34
0.00
26.70
27.38
78.24
growth rate -100.0% 890,000.0% 2.5% 185.8%
Cur.Liabilities 9,195.51
9,248.81
9,441.62
9,121.40
9,252.57
growth rate 0.6% 2.1% -3.4% 1.4%
Liabilities 9,932.37
10,043.00
10,166.70
9,898.11
9,994.84
growth rate 1.1% 1.2% -2.6% 1.0%
LT Debt 597.11
597.06
571.24
571.20
571.15
growth rate 0.0% -4.3% 0.0% 0.0%
Equity 1,939.58
1,984.70
2,060.32
2,067.92
2,118.05
growth rate 2.3% 3.8% 0.4% 2.4%
Common Shares 96.10
96.14
96.15
96.19
96.22
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Capital Expenditures 5.14
6.13
8.28
9.40
5.78
growth rate 19.3% 35.1% 13.5% -38.5%
Cash Dividends 27.78
32.82
32.82
35.85
35.85
growth rate 18.1% 0.0% 9.2% 0.0%
Cash From OA 51.12
67.70
57.72
85.77
100.38
growth rate 32.4% -14.7% 48.6% 17.0%
Sale Purchase of Stock
growth rate
FCF 45.98
61.57
49.44
76.37
94.60
growth rate 33.9% -19.7% 54.5% 23.9%
Income Statement Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Sales 145.10
138.12
143.53
146.64
141.31
growth rate -4.8% 3.9% 2.2% -3.6%
Op.Income 75.14
66.95
65.98
67.98
66.84
growth rate -10.9% -1.4% 3.0% -1.7%
IBT 73.17
65.17
63.92
65.57
65.30
growth rate -10.9% -1.9% 2.6% -0.4%
Net Income 58.53
51.91
50.02
51.44
51.73
growth rate -11.3% -3.6% 2.9% 0.6%
Gross Profit 145.10
138.12
143.53
146.64
141.31
growth rate -4.8% 3.9% 2.2% -3.6%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (56.47)

YOY Growth Grade:

E (31.20)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.01 8.01
EPS / Growth 3.12

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 7.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 7.2% 7.2% 7.2%
Future PE 0.01 7.45 7.45
Future EPS 6.24 6.24 6.24
Value Price
MOS %
0.02
-99.9%
11.49
-54.0%
11.49
-54.0%
MOS Price 0.01 5.74 5.74
IRT 6.19 6.19 6.19

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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