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IBOC vs MIAX

IBOC
International Bancshares Corporation
NEUTRAL
Price
$71.68
Market Cap
$4.46B
Sector
Financial Services
AI Confidence
80%
MIAX
Miami International Holdings, Inc.
NEUTRAL
Price
$47.64
Market Cap
$4.52B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
IBOC
10.83
MIAX
--
Forward P/E
IBOC
--
MIAX
27.15
P/B Ratio
IBOC
1.37
MIAX
4.63
P/S Ratio
IBOC
5.39
MIAX
3.31
EV/EBITDA
IBOC
--
MIAX
28.06

Profitability

Gross Margin
IBOC
0.0%
MIAX
31.56%
Operating Margin
IBOC
65.08%
MIAX
12.03%
Profit Margin
IBOC
49.85%
MIAX
-5.13%
ROE
IBOC
13.63%
MIAX
-11.22%
ROA
IBOC
2.55%
MIAX
6.16%

Growth

Revenue Growth
IBOC
2.6%
MIAX
14.1%
Earnings Growth
IBOC
-7.6%
MIAX
786.8%

Financial Health

Debt/Equity
IBOC
--
MIAX
0.03
Current Ratio
IBOC
--
MIAX
2.54
Quick Ratio
IBOC
--
MIAX
2.1

Dividends

Dividend Yield
IBOC
1.99%
MIAX
--
Payout Ratio
IBOC
21.15%
MIAX
0.0%

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
MIAX NEUTRAL

MIAX presents a contradictory profile, anchored by a weak Piotroski F-Score of 2/9 and a bearish technical trend of 10/100. While the company exhibits explosive earnings growth (786.80% YoY) and maintains a very healthy balance sheet with minimal debt (D/E 0.03), these fundamentals are offset by negative net profit margins (-5.13%) and aggressive insider selling. The stock is currently trading near its analyst target price of $48.40, leaving limited immediate upside despite the 'Buy' consensus.

Strengths
Exceptional earnings growth (786.80% YoY) and strong EPS surprises
Very low leverage with a Debt/Equity ratio of 0.03
Strong liquidity position indicated by a Current Ratio of 2.54
Risks
Poor operational health as indicated by a Piotroski F-Score of 2/9
Heavy insider liquidation with $17.03M in sales and zero buys
Negative overall profit margin (-5.13%)

Compare Another Pair

IBOC vs MIAX: Head-to-Head Comparison

This page compares International Bancshares Corporation (IBOC) and Miami International Holdings, Inc. (MIAX) 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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