International Bancshares vs Inter&Co

This page compares International Bancshares and Inter&Co, examining business models, financial performance, and market context in a neutral, accessible way. It presents how each company approaches customers, operations, and growth, without asserting predictions or conclusions. Educational content, not financial advice.

This page compares International Bancshares and Inter&Co, examining business models, financial performance, and market context in a neutral, accessible way. It presents how each company approaches cus...

Comparison Snapshot

Key Financial Metrics

IBOC

Metric

INTR

$4.48B

Market Cap

$3.83B

18.33%

Potential Profit

11.54%

Strong Buy

Analyst Rating

Buy

Investment Analysis

International Bancshares

IBOC

Pros

International Bancshares has a strong market presence in Texas and Oklahoma with a diversified range of commercial and retail banking services.
The company reported solid net income of over $400 million and stable revenue near $800 million in 2024, indicating consistent profitability.
It offers international banking services including foreign exchange and letters of credit, supporting growth through cross-border business.

Considerations

Revenue growth in 2024 was minimal at 0.37%, showing limited top-line expansion momentum.
Net income slightly decreased by 0.63%, hinting at potential margin pressures or cost challenges.
The stock has a relatively low beta of 0.87, which may limit upside during strong market rallies.

Inter&Co

INTR

Pros

Inter & Co operates diversified financial segments including banking, investments, insurance brokerage, and a digital sales platform, broadening revenue streams.
The company has a relatively low PEG ratio of 0.18, suggesting potential undervaluation relative to earnings growth expectations.
Inter & Co has international exposure and a digital global account solution that may drive future growth.

Considerations

Its price-to-earnings ratio of 17.5x is higher than the sector average, indicating the stock may be overvalued compared to peers.
The stock shows modest upside potential of about 2.3% from analysts’ targets, suggesting limited near-term price appreciation.
Operating across multiple segments may expose the company to execution risks and complexity in managing diverse business lines.

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About The Companies

International Bancshares (IBOC)

International Bancshares Corporation (IBOC) is a Texas-based bank holding company that operates IBC Bank and related subsidiaries across the southern United States. With a market capitalisation of about $4.13 billion, it provides commercial and consumer banking services, mortgage lending, wealth management and treasury services to individuals, small and mid-sized businesses, and institutions. Investors should note IBOC’s regional focus — its earnings are sensitive to local economic conditions and the health of the oil, agriculture and cross-border trade markets that serve parts of its footprint. Like most banks, revenue depends on net interest margins, deposit trends and credit quality; higher interest rates can support margins but also raise default risk. The company has a conservative, community-banking reputation and a history of returning capital to shareholders through dividends. Key risks include loan-loss cycles, competition, regulatory change and concentration exposures. This summary is educational, not personalised advice — investors should assess suitability and perform further research.

Inter&Co (INTR)

INTER & CO Inc (Class A, ticker INTR) is a mid‑cap company with a market capitalisation around $4.07 billion. For investors, the key starting points are the company’s core business lines, revenue mix, profit margins and balance‑sheet strength. Mid‑cap stocks like INTR can offer a blend of growth potential and developing scale but may show greater volatility than large‑cap peers. Important considerations include management track record, cash flow generation, competitive positioning, and any industry‑specific risks or regulatory exposures. Public filings, quarterly results and analyst commentaries will give the clearest picture of recent performance and strategy. This summary is educational and not personal advice — investors should carry out their own research or consult a financial adviser to assess suitability for their circumstances. Past performance is not indicative of future returns and the value of shares can fall as well as rise.

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This carefully selected group of stocks represents companies at the forefront of Sharia-compliant finance. Our professional analysts have identified these opportunities based on their adherence to Islamic principles while meeting strong financial criteria.

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Comparison Snapshot