International Bancshares Corporation cash flow to debt ratio of 69.68% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

International Bancshares Corporation's free cash flow has increased 2.86% from $459.80M last year to $472.94M, signaling increasing performance

International Bancshares Corporation's debt to equity ratio is 0.22, which means that the company's assets are healthy financed, signaling financial stability.

International Bancshares Corporation's debt has decreased relative to shareholder equity from 0.23 last year to 0.22 today, signaling strengthened financials

International Bancshares Corporation has a net debt to EBITDA ratio of 0.31x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

International Bancshares Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

International Bancshares Corporation's profit margin has decreased (1.07%) in the last year from 39.23% to 38.81%, signaling decreasing performance

International Bancshares Corporation's short-term assets of $608.92M exceed its short-term liabilities of $585.54M

International Bancshares Corporation's return on assets of 2.43% is lower than the 5.00% threshold, indicating inefficient asset utilization

International Bancshares Corporation's return on equity of 12.67%, is lower than 15.00%, indicating bad performance

International Bancshares Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

International Bancshares Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

International Bancshares Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

International Bancshares Corporation has a free cash flow yield of 10.45%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

International Bancshares Corporation's yearly earnings has increased 0.76% since last year from $409.17M to $412.29M, signaling increasing performance

International Bancshares Corporation's yearly revenue has increased 1.03% since last year from $1.04B to $1.05B, signaling increasing performance

ROIC 2.43% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

International Bancshares Corporation's 3-year revenue CAGR of 13.91% is positive, indicating growing revenue over the past 3 years

International Bancshares Corporation had revenue growth in 5 out of 5 years, indicating consistent revenue performance

International Bancshares Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

International Bancshares Corporation is undervalued relative to its fair value price of 138.56 based on Discounted Cash Flow model

International Bancshares Corporation has an earnings yield of 9.13%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

International Bancshares Corporation is overvalued relative to its fair value price of 58.51 based on EBITDA multiple model

International Bancshares Corporation has an EV/EBITDA ratio of 8.64x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

International Bancshares Corporation is undervalued relative to its fair value price of 169.70 based on Earnings Fair Value model

International Bancshares Corporation has a PEG-ratio under 1 which is considered undervalued

International Bancshares Corporation has a price-to-book ratio of 1.34x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

International Bancshares Corporation has a price-to-sales ratio of 4.25x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue