International Bancshares vs Associated Bank

This page compares International Bancshares and Associated Bank, exploring their business models, financial performance, and market context in a neutral, accessible way. It presents factual information to help readers understand the similarities and differences between the two organisations. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

IBOC

Metric

ASB

$4.27B

Market Cap

$4.34B

18.90%

Potential Profit

5.89%

Strong Buy

Analyst Rating

Hold

Investment Analysis

International Bancshares

IBOC

Pros

International Bancshares maintains a strong profitability profile with a trailing twelve-month net income of over $400 million.
The company operates a diversified banking network across Texas and Oklahoma, supporting stable regional market exposure.
International Bancshares offers a consistent dividend yield above 1.9%, providing income appeal for investors.

Considerations

Revenue growth has been minimal, with only a 0.37% increase in the latest fiscal year, indicating limited top-line momentum.
Earnings declined slightly year-on-year, reflecting margin pressures or operational headwinds in the current environment.
The company's forward PE ratio is not available, suggesting limited analyst coverage or uncertain earnings outlook.

Associated Bank

ASB

Pros

Associated Banc-Corp has a broad commercial and retail banking footprint across the Midwest, supporting diversified revenue streams.
The company maintains a moderate dividend yield, contributing to investor income generation.
Associated Banc-Corp has demonstrated resilience in regional banking, with continued operations through recent industry volatility.

Considerations

The bank has faced challenges with net interest margin compression, affecting profitability in a shifting rate environment.
Asset quality metrics have shown some deterioration, with elevated loan loss provisions in recent quarters.
Growth has been constrained by competitive pressures and limited expansion beyond its core Midwest markets.

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.

Associated Bank (ASB)

Associated Banc-Corp is a US-based bank holding company offering a wide spectrum of financial products and services. Operating through its main subsidiary, Associated Bank, it serves individuals and businesses across more than 100 communities in Wisconsin, Illinois, Minnesota, and Missouri. The company's operations are categorised into key segments. Its Corporate and Commercial Specialty division caters to larger businesses and municipalities with lending and deposit solutions. The Community, Consumer, and Business arm provides everyday banking, lending, and investment services to individuals and smaller enterprises. With a substantial regional presence and a diverse service portfolio, Associated Banc-Corp represents a significant player in the Midwestern financial landscape. As with any bank, its performance can be influenced by economic conditions and interest rate changes. Remember, past performance is not an indicator of future results.

Which Baskets Do They Appear In?

Islamic Finance Leaders

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Published: June 18, 2025

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Which Baskets Do They Appear In?

Islamic Finance Leaders

Published: June 18, 2025

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Comparison Snapshot