Profitability
Weight: 25%
A+
100
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 36.2%
- Efficiency Ratio Trend -2.54 pp/yr
IBOC
International Bancshares Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B+
75
- 5yr Avg ROE 14.0%
- 5yr Share-Count CAGR -0.5%
Growth Quality
Weight: 15%
A+
94
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 12.8%
- Efficiency Ratio Trend (growth quality check) -2.54 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
F
20
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.09
Balance Sheet
Weight: 20%
A+
100
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 19.5%
Stability
Weight: 10%
B-
64
- EPS Volatility (σ/μ) 0.47
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 added; 2 trimmed.
- Holders
- 3
- Avg Δ position
- +44.3%
- New buys
- 0
- Full exits
- 0