IBOCINTERNATIONAL BANCSHARES CORP
State Commercial Banks
- Revenue
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- Operating margin
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- EBITDA
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- Market cap
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- Employees
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- Net debt / EBITDA
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- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear119% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear19% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear2% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $254M | $300M | $412M | $409M | $412M | 0.8% |
| Operating cash flow | $292M | $388M | $474M | $474M | $491M | 3.6% |
| Capex | $10M | $19M | $27M | $14M | $18M | 28% |
| Stock-based comp | $506K | $449K | $330K | $214K | $104K | 51% |
| Buybacks | $716K | $52M | $5M | $963K | $5M | 379% |
| Dividends | $73M | $75M | $78M | $82M | $87M | 6.1% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $3M | $3M | 202 | 169 |
| FY2024 | $2M | $2M | 170 | 144 |
| FY2023 | $2M | $2M | 184 | 153 |
| FY2022 | $2M | $2M | 151 | 155 |
| FY2021 | $3M | $3M | 136 | 161 |