FFIN vs IBOC: stock comparison and AI forecast
First Financial Bankshares Inc (FFIN) and International Bancshares Corp (IBOC) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
FFIN First Financial Bankshares Inc
- Price
- $30.41 -6.1% · 6M
- Market Cap
- $4.36B
- P/E Ratio
- 15.8x
- Size
- mid-cap
- AI Forecast
IBOC International Bancshares Corp
- Price
- $68.30 -6.8% · 6M
- Market Cap
- $4.20B
- P/E Ratio
- 10.0x
- Size
- mid-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- FFIN and IBOC have similar market capitalizations ($4.36B and $4.20B).
- IBOC trades at 10.0 times trailing earnings, FFIN at 15.8 times.
- Over the last six months FFIN returned -6.1% and IBOC -6.8%.
- IBOC turns 49.4% of its revenue into net income, against 41.2% for FFIN.
- FFIN carries 6.34 times debt per unit of equity, against 4.18 times for IBOC.
- IBOC yields 6.39% in dividends and FFIN 2.60%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | FFIN | IBOC |
|---|---|---|
| Market Cap | $4.36B | $4.20B |
| P/E Ratio | 15.76x | 10.04x |
| P/B Ratio | 4.14x | 1.26x |
| Dividend Yield | 2.60% | 6.39% |
| EPS | $1.93 | $6.73 |
| Book Value/Share | $7.35 | $53.70 |
| Revenue/Share | $4.69 | $13.64 |
| FCF/Share | $2.29 | $7.46 |
Profitability & Margins
| Metric | FFIN | IBOC |
|---|---|---|
| ROE | 14.6% | 12.6% |
| ROA | – | 2.4% |
| Net Margin | 41.2% | 49.4% |
| EBT Margin | 95.4% | 65.2% |
| Tax Rate | 18.2% | 20.4% |
Financial Health
| Metric | FFIN | IBOC |
|---|---|---|
| D/E Ratio | 6.34x | 4.18x |
| Financial Leverage | – | 5.18x |
Cash Flow
| Metric | FFIN | IBOC |
|---|---|---|
| Operating Cash Flow | $353M | $482M |
| Free Cash Flow | $328M | $464M |
| Capital Spending | -$25M | -$18M |
| OCF Growth YoY | 14.3% | 3.4% |
| FCF Growth YoY | 10.5% | 2.3% |
| FCF/Sales | 48.8% | 54.6% |
| CapEx/Sales | 3.8% | 2.1% |
Operational Efficiency
| Metric | FFIN | IBOC |
|---|---|---|
| Asset Turnover | – | 0.05x |
| Fixed Assets Turnover | 4.2x | 2.0x |
Income Statement
| Metric | FFIN | IBOC |
|---|---|---|
| Total Revenue | $672M | $849M |
| Net Income | $154M | $419M |
Dividend & Shareholder Information
| Metric | FFIN | IBOC |
|---|---|---|
| Dividends Per Share | $0.79 | $4.32 |
| Payout Ratio | 40.9% | 64.2% |
| Shares Outstanding | 143M | 62M |
| Net Income Growth | 0.0% | -0.3% |
| EPS Growth | 26.1% | -0.4% |
FFIN vs IBOC: stock comparison and AI forecast
Which is bigger, FFIN or IBOC?
FFIN and IBOC have similar market capitalizations ($4.36B and $4.20B).
Which is cheaper on earnings, FFIN or IBOC?
IBOC trades at 10.0 times trailing earnings, FFIN at 15.8 times.
Which stock performed better over the last six months, FFIN or IBOC?
Over the last six months FFIN returned -6.1% and IBOC -6.8%.
Which one does Intratio's AI model rank higher, FFIN or IBOC?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.