Head-To-Head Comparison: International Bancshares (NASDAQ:IBOC) vs. First Mid Bancshares (NASDAQ:FMBH)

International Bancshares (NASDAQ:IBOCGet Rating) and First Mid Bancshares (NASDAQ:FMBHGet Rating) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their earnings, dividends, risk, valuation, profitability, analyst recommendations and institutional ownership.

Analyst Recommendations

This is a summary of current ratings and target prices for International Bancshares and First Mid Bancshares, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
International Bancshares 0 0 0 0 N/A
First Mid Bancshares 0 0 0 0 N/A

Profitability

This table compares International Bancshares and First Mid Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
International Bancshares 40.98% 11.36% 1.62%
First Mid Bancshares 24.32% 11.51% 1.20%

Insider & Institutional Ownership

63.4% of International Bancshares shares are held by institutional investors. Comparatively, 31.4% of First Mid Bancshares shares are held by institutional investors. 15.9% of International Bancshares shares are held by insiders. Comparatively, 9.6% of First Mid Bancshares shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Dividends

International Bancshares pays an annual dividend of $1.20 per share and has a dividend yield of 3.0%. First Mid Bancshares pays an annual dividend of $0.88 per share and has a dividend yield of 2.4%. First Mid Bancshares pays out 25.3% of its earnings in the form of a dividend. International Bancshares has raised its dividend for 12 consecutive years. International Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Earnings & Valuation

This table compares International Bancshares and First Mid Bancshares’ top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
International Bancshares $620.43 million 4.04 $253.92 million N/A N/A
First Mid Bancshares $252.78 million 2.95 $51.49 million $3.48 10.47

International Bancshares has higher revenue and earnings than First Mid Bancshares.

Risk and Volatility

International Bancshares has a beta of 1.07, meaning that its stock price is 7% more volatile than the S&P 500. Comparatively, First Mid Bancshares has a beta of 0.88, meaning that its stock price is 12% less volatile than the S&P 500.

Summary

International Bancshares beats First Mid Bancshares on 11 of the 13 factors compared between the two stocks.

About International Bancshares (Get Rating)

International Bancshares Corporation, a financial holding company, provides commercial and retail banking services. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. As of February 28, 2022, the company had 170 branch facilities and 263 ATMs serving 76 communities in Texas and Oklahoma. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.

About First Mid Bancshares (Get Rating)

First Mid Bancshares, Inc., a financial holding company, provides community banking products and services to commercial, retail, and agricultural customers in the United States. It accepts various deposit products, such as demand deposits, savings accounts, money market deposits, and time deposits. The company's loan products include commercial real estate, commercial and industrial, agricultural and agricultural real estate, residential real estate, and consumer loans; and other loans comprising loans to municipalities to support community projects, such as infrastructure improvements or equipment purchases. It also offers wealth management services, which include estate planning, investment, and farm management and brokerage services for individuals; and employee benefit services for business enterprises. In addition, the company provides property and casualty, senior insurance products, and group medical insurance for businesses; and personal lines insurance to individuals. It operates through a network of 52 banking centers in Illinois and 14 offices in Missouri, as well as a loan production office in Indiana. The company was formerly known as First Mid-Illinois Bancshares, Inc. and changed its name to First Mid Bancshares, Inc. in April 2019. First Mid Bancshares, Inc. was founded in 1865 and is headquartered in Mattoon, Illinois.

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