International Bancshares (IBOC) Competitors

First BanCorp. (NYSE:FBP) and International Bancshares (NASDAQ:IBOC) are both mid-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their valuation, dividends, earnings, media sentiment, risk, institutional ownership, profitability, community ranking and analyst recommendations.

Is FBP or IBOC a better dividend stock?

First BanCorp. pays an annual dividend of $0.64 per share and has a dividend yield of 3.1%. International Bancshares pays an annual dividend of $1.32 per share and has a dividend yield of 1.9%. First BanCorp. pays out 35.4% of its earnings in the form of a dividend. International Bancshares pays out 20.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. International Bancshares has raised its dividend for 15 consecutive years.

Do institutionals & insiders hold more shares of FBP or IBOC?

97.9% of First BanCorp. shares are owned by institutional investors. Comparatively, 65.9% of International Bancshares shares are owned by institutional investors. 2.5% of First BanCorp. shares are owned by insiders. Comparatively, 13.9% of International Bancshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Is FBP or IBOC more profitable?

International Bancshares has a net margin of 38.65% compared to First BanCorp.'s net margin of 24.94%. First BanCorp.'s return on equity of 19.91% beat International Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First BanCorp.	24.94%	19.91%	1.63%
International Bancshares	38.65%	15.62%	2.59%

Does the media favor FBP or IBOC?

In the previous week, International Bancshares had 1 more articles in the media than First BanCorp.. MarketBeat recorded 4 mentions for International Bancshares and 3 mentions for First BanCorp.. First BanCorp.'s average media sentiment score of 1.71 beat International Bancshares' score of 0.35 indicating that First BanCorp. is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First BanCorp.	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
International Bancshares	2 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has higher earnings and valuation, FBP or IBOC?

International Bancshares has lower revenue, but higher earnings than First BanCorp.. International Bancshares is trading at a lower price-to-earnings ratio than First BanCorp., indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First BanCorp.	$889.54M	3.81	$302.86M	$1.81	11.44
International Bancshares	$836.41M	5.20	$411.77M	$6.43	10.87

Does the MarketBeat Community believe in FBP or IBOC?

First BanCorp. received 99 more outperform votes than International Bancshares when rated by MarketBeat users. Likewise, 60.72% of users gave First BanCorp. an outperform vote while only 52.68% of users gave International Bancshares an outperform vote.

Company	Underperform	Outperform
First BanCorp.	Outperform Votes 286 60.72%	Underperform Votes 185 39.28%
International Bancshares	Outperform Votes 187 52.68%	Underperform Votes 168 47.32%

Do analysts recommend FBP or IBOC?

First BanCorp. currently has a consensus price target of $21.40, indicating a potential upside of 3.36%. Given First BanCorp.'s stronger consensus rating and higher possible upside, equities analysts clearly believe First BanCorp. is more favorable than International Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First BanCorp.	0 Sell rating(s)	2 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.60
International Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Which has more risk and volatility, FBP or IBOC?

First BanCorp. has a beta of 1.11, meaning that its share price is 11% more volatile than the S&P 500. Comparatively, International Bancshares has a beta of 0.87, meaning that its share price is 13% less volatile than the S&P 500.

Summary

First BanCorp. beats International Bancshares on 12 of the 21 factors compared between the two stocks.