International Bancshares (NASDAQ:IBOC) versus California International Bank, N.A. (OTCMKTS:CAIB) Head to Head Review

International Bancshares (NASDAQ:IBOC) and California International Bank, N.A. (OTCMKTS:CAIB) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their earnings, risk, analyst recommendations, valuation, institutional ownership, dividends and profitability.

Analyst Ratings

This is a breakdown of recent recommendations for International Bancshares and California International Bank, N.A., as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
International Bancshares	0	0	1	0	3.00
California International Bank, N.A.	0	0	0	0	0.00

Risk and Volatility

International Bancshares has a beta of 0.8, indicating that its stock price is 20% less volatile than the S&P 500. Comparatively, California International Bank, N.A. has a beta of -1.35, indicating that its stock price is 235% less volatile than the S&P 500.

Profitability

This table compares International Bancshares and California International Bank, N.A.’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
International Bancshares	39.51%	14.37%	2.56%
California International Bank, N.A.	N/A	N/A	N/A

Insider & Institutional Ownership

65.9% of International Bancshares shares are held by institutional investors. 13.4% of International Bancshares shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares International Bancshares and California International Bank, N.A.”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
International Bancshares	$826.42 million	4.95	$409.17 million	$6.62	9.93
California International Bank, N.A.	$5.09 million	N/A	N/A	N/A	N/A

International Bancshares has higher revenue and earnings than California International Bank, N.A..

Summary

International Bancshares beats California International Bank, N.A. on 9 of the 9 factors compared between the two stocks.

About International Bancshares

International Bancshares Corporation, a financial holding company, provides commercial and retail banking services in Texas and the State of Oklahoma. 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. The company was founded in 1966 and is headquartered in Laredo, Texas.

About California International Bank, N.A.

California International Bank, N.A. provides various banking products and services to personal and business customers in California. It offers checking accounts, savings and investment products, loans, ATM and debit cards, payment processing solutions, and online banking services. California International Bank, N.A. was incorporated in 2006 and is headquartered in Westminster, California.