First Financial Bankshares (FFIN) vs International Bancshares (IBOC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
International Bancshares (IBOC) has outperformed First Financial Bankshares (FFIN) over the past year, losing 0.1% versus a loss of 5.9%. Over five years, IBOC leads with a +63.2% price change compared with -34.2% for FFIN. First Financial Bankshares is the larger company by market cap ($4.49 billion vs $4.23 billion), about 1.1 times the size.
On valuation, International Bancshares trades at a lower trailing P/E (10.3x vs 16.7x for First Financial Bankshares). First Financial Bankshares offers the higher dividend yield (2.52% vs 2.10%). International Bancshares converts more of its revenue into profit, with a net margin of 49.0% versus 40.1%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FFIN | IBOC |
|---|---|---|
| Share price | $31.31 | $67.99 |
| Market cap | $4.49B | $4.23B |
| 1-day change | -0.25% | -0.18% |
| YTD return | +5.09% | +2.51% |
| 1-year return | -5.93% | -0.12% |
| 5-year return | -34.19% | +63.22% |
| P/E ratio (TTM) | 16.74 | 10.25 |
| Forward P/E | 14.52 | — |
| EPS (TTM) | $1.87 | $6.63 |
| Dividend yield | 2.52% | 2.10% |
| Annual dividend | $0.79 | $1.43 |
| Revenue (latest FY) | $631.60M | $842.17M |
| Revenue growth (YoY) | +14.68% | +1.02% |
| Net income (latest FY) | $253.58M | $412.29M |
| Net margin | 40.15% | 48.96% |
| 52-week high | $36.52 | $78.46 |
| 52-week low | $28.12 | $63.20 |
| Distance from 52-week high | -14.27% | -13.35% |
| Analyst consensus | none | none |
| Avg. price target upside | +15.91% | +27.97% |
| Average volume | 747.11K | 332.82K |
| Shares outstanding | 143.33M | 62.19M |
| Employees | 1,500 | 2,126 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- First Financial Bankshares trades at a higher earnings multiple (16.7x vs 10.3x trailing P/E).
- International Bancshares is more profitable, keeping 49.0 cents of every revenue dollar as net income versus 40.1 cents for First Financial Bankshares.
- First Financial Bankshares grew revenue faster in its latest fiscal year (+14.68% vs +1.02%).
About First Financial Bankshares
FFIN stock →First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services.
Finance · Major Banks · 1,500 employees
About International Bancshares
IBOC stock →International Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans.
Finance · Major Banks · 2,126 employees
FFIN vs IBOC FAQ
Which is bigger, First Financial Bankshares or International Bancshares?
First Financial Bankshares (FFIN) is larger, with a market capitalization of $4.49B compared with $4.23B for International Bancshares (IBOC).
Which stock has performed better over the past year, FFIN or IBOC?
IBOC returned -0.12% over the past 12 months, compared with -5.93% for FFIN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FFIN or IBOC?
IBOC has the lower trailing P/E at 10.3, versus 16.7 for FFIN. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, First Financial Bankshares or International Bancshares?
First Financial Bankshares has the higher yield at 2.52%, compared with 2.10% for International Bancshares.
Are First Financial Bankshares and International Bancshares in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.