International Bancshares Current Valuation vs. Net Income

IBOC Stock  USD 70.70  1.25  1.74%   
Based on International Bancshares' profitability indicators, International Bancshares' profitability may be sliding down. It has an above-average probability of reporting lower numbers next quarter. Profitability indicators assess International Bancshares' ability to earn profits and add value for shareholders. At present, International Bancshares' Days Sales Outstanding is projected to slightly decrease based on the last few years of reporting. The current year's Operating Cash Flow Sales Ratio is expected to grow to 0.56, whereas EV To Sales is forecasted to decline to 2.77. At present, International Bancshares' Net Income is projected to increase significantly based on the last few years of reporting. The current year's Net Income Applicable To Common Shares is expected to grow to about 362.5 M, whereas Accumulated Other Comprehensive Income is projected to grow to (378 M).
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.410.4227
Sufficiently Down
Slightly volatile
Operating Profit Margin0.510.5398
Notably Down
Slightly volatile
Pretax Profit Margin0.580.5374
Significantly Up
Slightly volatile
Return On Assets0.02870.0273
Sufficiently Up
Slightly volatile
Return On Equity0.140.1682
Significantly Down
Slightly volatile
For International Bancshares profitability analysis, we use financial ratios and fundamental drivers that measure the ability of International Bancshares to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well International Bancshares utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between International Bancshares's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of International Bancshares over time as well as its relative position and ranking within its peers.
  

International Bancshares' Revenue Breakdown by Earning Segment

Check out Risk vs Return Analysis.
For information on how to trade International Stock refer to our How to Trade International Stock guide.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of International Bancshares. If investors know International will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about International Bancshares listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.04)
Dividend Share
1.32
Earnings Share
6.43
Revenue Per Share
12.863
Quarterly Revenue Growth
0.005
The market value of International Bancshares is measured differently than its book value, which is the value of International that is recorded on the company's balance sheet. Investors also form their own opinion of International Bancshares' value that differs from its market value or its book value, called intrinsic value, which is International Bancshares' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because International Bancshares' market value can be influenced by many factors that don't directly affect International Bancshares' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between International Bancshares' value and its price as these two are different measures arrived at by different means. Investors typically determine if International Bancshares is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, International Bancshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

International Bancshares Net Income vs. Current Valuation Fundamental Analysis

Comparative valuation techniques use various fundamental indicators to help in determining International Bancshares's current stock value. Our valuation model uses many indicators to compare International Bancshares value to that of its competitors to determine the firm's financial worth.
International Bancshares is considered the number one company in current valuation category among its peers. It also is currently regarded as number one stock in net income category among its peers making up about  0.09  of Net Income per Current Valuation. The ratio of Current Valuation to Net Income for International Bancshares is roughly  10.79 . At present, International Bancshares' Net Income is projected to increase significantly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the International Bancshares' earnings, one of the primary drivers of an investment's value.

International Current Valuation vs. Competition

International Bancshares is considered the number one company in current valuation category among its peers. After adjusting for long-term liabilities, total market size of Financials industry is currently estimated at about 8.63 Billion. International Bancshares totals roughly 4.44 Billion in current valuation claiming about 52% of equities under Financials industry.

International Net Income vs. Current Valuation

Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account the entire liquid asset, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.

International Bancshares

Enterprise Value

 = 

Market Cap + Debt

-

Cash

 = 
4.44 B
Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.
Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.

International Bancshares

Net Income

 = 

(Rev + Gain)

-

(Exp + Loss)

 = 
411.77 M
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.

International Net Income Comparison

International Bancshares is currently under evaluation in net income category among its peers.

International Bancshares Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in International Bancshares, profitability is also one of the essential criteria for including it into their portfolios because, without profit, International Bancshares will eventually generate negative long term returns. The profitability progress is the general direction of International Bancshares' change in net profit over the period of time. It can combine multiple indicators of International Bancshares, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Last ReportedProjected for Next Year
Accumulated Other Comprehensive Income-397.9 M-378 M
Operating Income525.8 M341.8 M
Income Before Tax523.5 M549.7 M
Total Other Income Expense Net-2.3 M-2.4 M
Net Income411.8 M432.4 M
Income Tax Expense111.7 M62.1 M
Net Income Applicable To Common Shares345.3 M362.5 M
Net Income From Continuing Ops411.8 M206.4 M
Net Interest Income663.5 M468.2 M
Interest Income800.2 M526.7 M
Change To Netincome13.4 M14 M
Net Income Per Share 6.63  6.96 
Income Quality 1.15  1.47 
Net Income Per E B T 0.79  0.55 

International Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on International Bancshares. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of International Bancshares position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the International Bancshares' important profitability drivers and their relationship over time.

Use International Bancshares in pair-trading

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if International Bancshares position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in International Bancshares will appreciate offsetting losses from the drop in the long position's value.

International Bancshares Pair Trading

International Bancshares Pair Trading Analysis

The ability to find closely correlated positions to International Bancshares could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace International Bancshares when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back International Bancshares - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling International Bancshares to buy it.
The correlation of International Bancshares is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as International Bancshares moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if International Bancshares moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for International Bancshares can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching

Use Investing Themes to Complement your International Bancshares position

In addition to having International Bancshares in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

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When determining whether International Bancshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of International Bancshares' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of International Bancshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on International Bancshares Stock:
Check out Risk vs Return Analysis.
For information on how to trade International Stock refer to our How to Trade International Stock guide.
You can also try the Price Exposure Probability module to analyze equity upside and downside potential for a given time horizon across multiple markets.
To fully project International Bancshares' future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of International Bancshares at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include International Bancshares' income statement, its balance sheet, and the statement of cash flows.
Potential International Bancshares investors and stakeholders can use historical trends found within financial statements to determine how well the company is positioned for the future. Although International Bancshares investors may work on each financial statement separately, they are all related. The changes in International Bancshares's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on International Bancshares's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.