IBOC vs TCBI: stock comparison and AI forecast
International Bancshares Corp (IBOC) and Texas Capital Bancshares Inc/Tx (TCBI) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
IBOC International Bancshares Corp
- Market Cap
- $4.16B
- P/E Ratio
- 10.1x
- Size
- mid-cap
- AI Forecast
- NO CURRENT FORECAST
TCBI Texas Capital Bancshares Inc/Tx
- Market Cap
- $4.42B
- P/E Ratio
- 12.0x
- 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.
Key facts
- IBOC and TCBI have similar market capitalizations ($4.16B and $4.42B).
- IBOC trades at 10.1 times trailing earnings, TCBI at 12.0 times.
- IBOC turns 49.3% of its revenue into net income, against 27.3% for TCBI.
- TCBI carries 8.30 times debt per unit of equity, against 4.04 times for IBOC.
- IBOC yields 6.37% in dividends; TCBI pays none.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | IBOC | TCBI |
|---|---|---|
| Market Cap | $4.16B | $4.42B |
| P/E Ratio | 10.08x | 11.97x |
| P/B Ratio | 1.23x | 1.21x |
| Dividend Yield | 6.37% | – |
| EPS | $6.63 | $8.70 |
| Book Value/Share | $54.27 | $85.97 |
| Revenue/Share | $13.47 | $30.20 |
| FCF/Share | $7.28 | $12.22 |
Profitability & Margins
| Metric | IBOC | TCBI |
|---|---|---|
| ROE | 12.2% | 9.4% |
| ROA | 2.4% | – |
| Net Margin | 49.3% | 27.3% |
| EBT Margin | 63.8% | 37.7% |
| Tax Rate | 20.7% | 23.5% |
Financial Health
| Metric | IBOC | TCBI |
|---|---|---|
| D/E Ratio | 4.04x | 8.30x |
| Financial Leverage | 5.04x | – |
Cash Flow
| Metric | IBOC | TCBI |
|---|---|---|
| Operating Cash Flow | $470M | $529M |
| Free Cash Flow | $453M | $519M |
| Capital Spending | -$17M | -$10M |
| OCF Growth YoY | 0.6% | 113.2% |
| FCF Growth YoY | 0.5% | 127.7% |
| FCF/Sales | 54.1% | 40.5% |
| CapEx/Sales | 2.1% | 0.8% |
Operational Efficiency
| Metric | IBOC | TCBI |
|---|---|---|
| Asset Turnover | 0.05x | – |
| Fixed Assets Turnover | 2.0x | 14.4x |
Income Statement
| Metric | IBOC | TCBI |
|---|---|---|
| Total Revenue | $838M | $1.28B |
| Net Income | $413M | $344M |
Dividend & Shareholder Information
| Metric | IBOC | TCBI |
|---|---|---|
| Dividends Per Share | $4.26 | – |
| Payout Ratio | 64.2% | – |
| Shares Outstanding | 62M | 42M |
| Net Income Growth | 0.3% | 14.6% |
| EPS Growth | 0.1% | 54.0% |
IBOC vs TCBI: stock comparison and AI forecast
Which is bigger, IBOC or TCBI?
IBOC and TCBI have similar market capitalizations ($4.16B and $4.42B).
Which is cheaper on earnings, IBOC or TCBI?
IBOC trades at 10.1 times trailing earnings, TCBI at 12.0 times.
Which one does Intratio's AI model rank higher, IBOC or TCBI?
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.
More comparisons
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.