Profitability
Weight: 25%
B+
76
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 2.1%
- Operating Margin Trend -1.00 pp/yr
IBOC
International Bancshares Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B
74
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 12.0%
- 5yr Share-Count CAGR -0.5%
Growth Quality
Weight: 10%
A+
95
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 21.9%
- 5yr EPS CAGR 13.4%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
96
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.19x
Balance Sheet
Weight: 30%
A-
80
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 19.5%
- Interest Coverage (EBIT/Int) 2.43x
Stability
Weight: 10%
B-
64
- EPS Volatility (σ/μ) 0.47
- Piotroski F-Score 7
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 2 new buys; 1 added.
- Holders
- 3 +2
- Avg Δ position
- +150.1%
- New buys
- 2
- Full exits
- 0