IBOC
International Bancshares·NASDAQ
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1.74 / 10
Underperform
IBOC's fundamentals are underwhelming, rated 'Underperform' with a score of 1.74/10. Critical factors like Net profit attributable to parent company shareholders / Net profit (%) and PB-ROE register low quality scores (1/3 and 1/10 respectively), indicating profitability and valuation issues. Although Gross profit margin (%) is strong at 36.7% (score 3/3), and Net assets per share growth is healthy at 11.9% (score 2/2), these positives are insufficient to offset broader weaknesses, leading to a net fundamental rating of 'Underperform'.
Analysis Checks(4/10)
Net assets per share (growth rate compared to beginning of year %)
Value11.91
Score2/3
Weight8.80%
1M Return3.75%
Value11.91
Score2/3
Weight8.80%
1M Return3.75%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight7.00%
1M Return3.05%
Value100.00
Score1/3
Weight7.00%
1M Return3.05%
Profit-MV
Value1.24
Score0/3
Weight11.40%
1M Return4.15%
Value1.24
Score0/3
Weight11.40%
1M Return4.15%
PB-ROE
Value-0.79
Score1/3
Weight11.62%
1M Return4.93%
Value-0.79
Score1/3
Weight11.62%
1M Return4.93%
Asset-MV
Value-0.50
Score0/3
Weight10.79%
1M Return4.22%
Value-0.50
Score0/3
Weight10.79%
1M Return4.22%
Revenue-MV
Value-0.80
Score1/3
Weight13.13%
1M Return4.65%
Value-0.80
Score1/3
Weight13.13%
1M Return4.65%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.99%
1M Return3.43%
Value36.70
Score3/3
Weight7.99%
1M Return3.43%
Total profit (YoY growth rate %)
Value2.27
Score1/3
Weight7.80%
1M Return3.23%
Value2.27
Score1/3
Weight7.80%
1M Return3.23%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.99%
1M Return3.43%
Value100.00
Score3/3
Weight7.99%
1M Return3.43%
Cash-MV
Value0.04
Score2/3
Weight13.48%
1M Return5.25%
Value0.04
Score2/3
Weight13.48%
1M Return5.25%
Net assets per share (growth rate compared to beginning of year %)
Value11.91
Score2/3
Weight8.80%
1M Return3.75%
Value11.91
Score2/3
Weight8.80%
1M Return3.75%
Revenue-MV
Value-0.80
Score1/3
Weight13.13%
1M Return4.65%
Value-0.80
Score1/3
Weight13.13%
1M Return4.65%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight7.00%
1M Return3.05%
Value100.00
Score1/3
Weight7.00%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.99%
1M Return3.43%
Value36.70
Score3/3
Weight7.99%
1M Return3.43%
Profit-MV
Value1.24
Score0/3
Weight11.40%
1M Return4.15%
Value1.24
Score0/3
Weight11.40%
1M Return4.15%
Total profit (YoY growth rate %)
Value2.27
Score1/3
Weight7.80%
1M Return3.23%
Value2.27
Score1/3
Weight7.80%
1M Return3.23%
PB-ROE
Value-0.79
Score1/3
Weight11.62%
1M Return4.93%
Value-0.79
Score1/3
Weight11.62%
1M Return4.93%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.99%
1M Return3.43%
Value100.00
Score3/3
Weight7.99%
1M Return3.43%
Asset-MV
Value-0.50
Score0/3
Weight10.79%
1M Return4.22%
Value-0.50
Score0/3
Weight10.79%
1M Return4.22%
Cash-MV
Value0.04
Score2/3
Weight13.48%
1M Return5.25%
Value0.04
Score2/3
Weight13.48%
1M Return5.25%
Is IBOC undervalued or overvalued?
- IBOC scores 1.74/10 on fundamentals and holds a Premium valuation at present. Backed by its 10.31% ROE, 50.50% net margin, 11.03 P/E ratio, 1.48 P/B ratio, and 4.97% earnings growth, these metrics solidify its Underperform investment rating.
