Three independent discounted-cash-flow-style models value International Bancshares Corp every trading day. 1 of 3 currently price IBOC above its market price.
| Free Cash Flow model | $14.92 |
| Excess Profit model | $171.95 |
| Residual Earnings model | $47.47 |
| Dividend Discount model | $31.17 |
| Piotroski F-Score | 6 / 9 |
| Return on invested capital | +12.6% |
| Net debt / EBITDA | -1.0× |
| Gross margin | +100.0% |
| Revenue CAGR | +19.0% |
| Cash conversion | 1.2× |
| Dividend yield | +2.1% |
| Buyback yield | +0.0% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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