INTERNATIONAL BANCSHARES CORP (IBOC)
State Commercial Banks · Financial Services · $4.7B
Intrinsic Value (Consensus)
$95.29
Current Price
$75.51
Margin of Safety
+26.2%
26.2% Below Intrinsic Value
Value: $95
Price: $76
Valuation Model Estimates
Current Price: $75.51
DCF (Discounted Cash Flow)
$96.31
Graham Number
$88.20
Earnings Power Value
$64.27
Relative Value (P/E)
$132.40
Dividend Discount Model
$8.80
Consensus Value
$95.29
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
58
Profitability
18/25
Strength
17/25
Valuation
19/25
Growth
4/25
Financial Health Signals
High free cash flow yield (10.1%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $6.62
- EPS (Forward)
- $6.75
- Book Value
- $52.23
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 12.7%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 2.0%
- Dividend Yield
- 0.6%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance