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IBOC vs MA

IBOC
International Bancshares Corporation
NEUTRAL
Price
$71.68
Market Cap
$4.46B
Sector
Financial Services
AI Confidence
80%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
IBOC
10.83
MA
30.28
Forward P/E
IBOC
--
MA
22.05
P/B Ratio
IBOC
1.37
MA
57.74
P/S Ratio
IBOC
5.39
MA
13.6
EV/EBITDA
IBOC
--
MA
22.13

Profitability

Gross Margin
IBOC
0.0%
MA
100.0%
Operating Margin
IBOC
65.08%
MA
57.73%
Profit Margin
IBOC
49.85%
MA
45.65%
ROE
IBOC
13.63%
MA
209.91%
ROA
IBOC
2.55%
MA
23.72%

Growth

Revenue Growth
IBOC
2.6%
MA
17.6%
Earnings Growth
IBOC
-7.6%
MA
24.2%

Financial Health

Debt/Equity
IBOC
--
MA
2.56
Current Ratio
IBOC
--
MA
1.03
Quick Ratio
IBOC
--
MA
0.68

Dividends

Dividend Yield
IBOC
1.99%
MA
0.7%
Payout Ratio
IBOC
21.15%
MA
18.4%

AI Verdict

IBOC NEUTRAL

IBOC presents a stable but stagnant profile, characterized by a Piotroski F-Score of 4/9, indicating baseline financial health. While the stock is fundamentally undervalued relative to its Graham Number of $88.26 and analyst target of $87.00, it is hampered by negative year-over-year earnings growth (-7.60%) and a bearish technical trend score of 10/100. The company maintains strong profitability margins and a very sustainable dividend payout, but lacks the growth catalysts necessary for a bullish rating.

Strengths
Significant undervaluation relative to Graham Number ($88.26)
Strong ROA of 2.55%, which is healthy for the regional banking sector
Very low payout ratio (21.15%), ensuring dividend sustainability
Risks
Negative year-over-year earnings growth (-7.60%)
Stagnant revenue growth (2.60% YoY)
Bearish technical trend (10/100) suggesting lack of momentum
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

IBOC vs MA: Head-to-Head Comparison

This page compares International Bancshares Corporation (IBOC) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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