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Intrinsic value of International Bancshares Corporation (IBOC)

Previous Close$44.24
Intrinsic Value
Upside potential
Previous Close
$44.24
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh32.12 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

International Bancshares Corporation, a multibank 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 services. In addition, it offers other banking related services, such as credit cards and safety deposit boxes; collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. As of June 30, 2020, the company had 188 branch facilities and 284 ATMs serving 88 communities in Texas and Oklahoma. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %10.2NaN
Revenue, $594NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m271NaN
Operating income, $m322NaN
EBITDA, $m383NaN
Interest expense (income), $mNaN
Earnings before tax, $m322NaN
Tax expense, $m68NaN
Net income, $m254NaN

BALANCE SHEET

Cash and short-term investments, $m3209NaN
Total assets, $m16084NaN
Adjusted assets (=assets-cash), $m12875NaN
Average production assets, $m747NaN
Working capital, $m-2719NaN
Total debt, $m1011NaN
Total liabilities, $m13776NaN
Total equity, $m2308NaN
Debt-to-equity ratio0.438NaN
Adjusted equity ratio-0.036NaN

CASH FLOW

Net income, $m254NaN
Depreciation, amort., depletion, $m61NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m292NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m1NaN
Free cash flow, $m291NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-2719
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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