International Bancshares (NASDAQ:IBOC – Get Free Report) and FinWise Bancorp (NASDAQ:FINW – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their dividends, valuation, institutional ownership, analyst recommendations, profitability, risk and earnings.
Insider and Institutional Ownership
65.9% of International Bancshares shares are held by institutional investors. Comparatively, 35.4% of FinWise Bancorp shares are held by institutional investors. 13.4% of International Bancshares shares are held by insiders. Comparatively, 21.3% of FinWise Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Volatility & Risk
International Bancshares has a beta of 0.8, indicating that its stock price is 20% less volatile than the S&P 500. Comparatively, FinWise Bancorp has a beta of 0.82, indicating that its stock price is 18% less volatile than the S&P 500.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| International Bancshares | 0 | 0 | 1 | 0 | 3.00 |
| FinWise Bancorp | 0 | 1 | 4 | 0 | 2.80 |
FinWise Bancorp has a consensus price target of $21.75, suggesting a potential upside of 20.10%. Given FinWise Bancorp’s higher possible upside, analysts plainly believe FinWise Bancorp is more favorable than International Bancshares.
Profitability
This table compares International Bancshares and FinWise Bancorp’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% |
| FinWise Bancorp | 12.72% | 7.70% | 1.76% |
Earnings & Valuation
This table compares International Bancshares and FinWise Bancorp”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| International Bancshares | $826.42 million | 5.01 | $409.17 million | $6.62 | 10.06 |
| FinWise Bancorp | $89.73 million | 2.73 | $12.74 million | $0.97 | 18.67 |
International Bancshares has higher revenue and earnings than FinWise Bancorp. International Bancshares is trading at a lower price-to-earnings ratio than FinWise Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
International Bancshares beats FinWise Bancorp on 9 of the 14 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 FinWise Bancorp
FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers in Utah. The company offers various deposit products, including interest and noninterest bearing demand accounts, health savings account demand deposits, NOW and money market accounts, and checking and savings accounts, as well as time deposits and certificates of deposits. It also provides loans, including consumer, small business administration, commercial, commercial real estate, and residential real estate loans. In addition, the company offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and business accounts and cash management services, such as business checking and savings accounts, and treasury services. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
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