International Bancshares (IBOC) vs Texas Capital Bancshares (TCBI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Texas Capital Bancshares (TCBI) has outperformed International Bancshares (IBOC) over the past year, gaining 7.1% versus a gain of 0.8%. Over five years, IBOC leads with a +63.9% price change compared with +53.4% for TCBI. International Bancshares is the larger company by market cap ($4.25 billion vs $3.94 billion), about 1.1 times the size, while Texas Capital Bancshares is growing revenue faster (+34.7% vs +1.0%).
On valuation, International Bancshares trades at a lower trailing P/E (10.3x vs 11.8x for Texas Capital Bancshares). International Bancshares offers the higher dividend yield (2.09% vs 0.22%). International Bancshares converts more of its revenue into profit, with a net margin of 49.0% versus 26.3%.
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 | IBOC | TCBI |
|---|---|---|
| Share price | $68.40 | $90.58 |
| Market cap | $4.25B | $3.94B |
| 1-day change | +0.43% | 0.00% |
| YTD return | +2.95% | +2.04% |
| 1-year return | +0.77% | +7.12% |
| 5-year return | +63.91% | +53.45% |
| P/E ratio (TTM) | 10.32 | 11.78 |
| Forward P/E | — | 11.00 |
| EPS (TTM) | $6.63 | $7.69 |
| Dividend yield | 2.09% | 0.22% |
| Annual dividend | $1.43 | $0.20 |
| Revenue (latest FY) | $842.17M | $1.26B |
| Revenue growth (YoY) | +1.02% | +34.69% |
| Net income (latest FY) | $412.29M | $330.24M |
| Net margin | 48.96% | 26.30% |
| 52-week high | $78.46 | $108.92 |
| 52-week low | $63.20 | $75.41 |
| Distance from 52-week high | -12.82% | -16.84% |
| Analyst consensus | none | hold |
| Avg. price target upside | +27.19% | +17.19% |
| Average volume | 333.46K | 494.04K |
| Shares outstanding | 62.19M | 43.47M |
| Employees | 2,126 | 1,785 |
| 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
- International Bancshares offers a meaningfully higher dividend yield (2.09% vs 0.22%).
- International Bancshares is more profitable, keeping 49.0 cents of every revenue dollar as net income versus 26.3 cents for Texas Capital Bancshares.
- Texas Capital Bancshares grew revenue faster in its latest fiscal year (+34.69% vs +1.02%).
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
About Texas Capital Bancshares
TCBI stock →Texas Capital Bancshares, Inc. operates as the bank holding company for Texas Capital Bank, is a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs, and individual customers.
Finance · Major Banks · 1,785 employees
IBOC vs TCBI FAQ
Which is bigger, International Bancshares or Texas Capital Bancshares?
International Bancshares (IBOC) is larger, with a market capitalization of $4.25B compared with $3.94B for Texas Capital Bancshares (TCBI).
Which stock has performed better over the past year, IBOC or TCBI?
TCBI returned +7.12% over the past 12 months, compared with +0.77% for IBOC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, IBOC or TCBI?
IBOC has the lower trailing P/E at 10.3, versus 11.8 for TCBI. 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, International Bancshares or Texas Capital Bancshares?
International Bancshares has the higher yield at 2.09%, compared with 0.22% for Texas Capital Bancshares.
Are International Bancshares and Texas Capital Bancshares in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.