International Bancshares Corpor — Earnings Quality Grade A
IBOC · Financial Services
Strong financial health
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 31 days, change -0 days YoY
AR growth 0.4% vs revenue growth 1.0%
Revenue 1.0%, CFFO 3.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 28.1% is >2x revenue growth 1.0%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.19. Profits backed by cash
FCF $0.5B, FCF/NI = 1.15
Accruals ratio = -0.5%. Low accruals
Cash $0.5B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.3B = 9% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 0% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
International Bancshares Corpor is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25