International Bancshares vs F&G

This page compares International Bancshares and F&G ANNUITIES & LIFE INC, examining business models, financial performance and market context in a neutral, accessible way. Educational content, not financial advice.

This page compares International Bancshares and F&G ANNUITIES & LIFE INC, examining business models, financial performance and market context in a neutral, accessible way. Educational content, not fin...

Comparison Snapshot

Key Financial Metrics

IBOC

Metric

FG

$4.27B

Market Cap

$3.62B

18.90%

Potential Profit

14.00%

Strong Buy

Analyst Rating

Hold

Investment Analysis

International Bancshares

IBOC

Pros

International Bancshares has demonstrated steady revenue growth, with a slight increase in 2024 compared to the previous year.
The company maintains a strong net income margin, reflecting efficient cost management and profitability.
Its price-to-earnings ratio is below sector average, suggesting potential value for investors seeking undervalued banking stocks.

Considerations

Earnings declined slightly in 2024, indicating possible challenges in sustaining profit growth.
The company's forward price-to-earnings ratio is not available, limiting visibility on future earnings expectations.
Limited analyst coverage may reduce the availability of independent research and price targets.

F&G

FG

Pros

F&G Annuities & Life has shown robust year-on-year revenue growth, outpacing many peers in the insurance sector.
Its price-to-earnings ratio is well below the sector average, indicating a potentially attractive valuation.
The company operates with a low price-to-book ratio, suggesting its assets are valued conservatively by the market.

Considerations

Earnings growth has sharply declined year-on-year, raising concerns about profitability sustainability.
Profit margins are relatively thin compared to sector averages, reflecting competitive pressures in the annuity market.
The company's earnings volatility may increase risk for investors seeking stable returns.

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.

F&G (FG)

F&G Annuities & Life Inc (ticker: FG) is a US-focused provider of retirement solutions, chiefly annuities and life insurance. The company earns revenue from premiums, investment income on reserves and fees tied to its retirement products. With a market capitalisation of about $3.98bn, F&G operates in a highly regulated, capital-intensive sector where interest rates, portfolio yields and longevity assumptions materially affect profitability. Investors should note the company’s sensitivity to changes in market interest rates (which influence annuity pricing and margins), credit performance of invested assets, and shifting regulatory or capital requirements. New business growth, product mix and hedging strategies are important to watch. The stock can offer exposure to ageing-demographic trends and retirement demand, but performance may be volatile and past performance is not a guide to future returns. This information is educational only and not personalised investment advice; suitability depends on individual circumstances.

Which Baskets Do They Appear In?

Islamic Finance Leaders

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.

Published: June 18, 2025

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Which Baskets Do They Appear In?

Islamic Finance Leaders

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.

Published: June 18, 2025

Explore Basket

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Comparison Snapshot

Investment Analysis

International Bancshares

Pros

Considerations

F&G

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Islamic Finance Leaders

Which Baskets Do They Appear In?

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Buy IBOC or FG in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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About The Companies