BFC Capital Trust II PFD TR 7.20% (BANFP) vs International Bancshares Corporation (IBOC)
A side-by-side comparison of BFC Capital Trust II PFD TR 7.20% and International Bancshares Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — BANFP vs IBOC
growth of $100 · dividends reinvested · last 10yBANFP vs IBOC: by the numbers
- •IBOC is the larger company ($4.32B vs $3.83B market cap).
- •BANFP trades at the lower trailing earnings multiple (3.78 vs 10.48 P/E), one valuation lens rather than an overall verdict.
- •IBOC converts more revenue to profit (38.81% vs 32.25% net margin).
- •IBOC grew revenue faster over the past five years (11.84% vs 10.17% CAGR).
- •BANFP pays the higher dividend yield (6.71% vs 2.10%).
Metrics side by side
Valuation
| Metric | BANFP | IBOC |
|---|---|---|
| P/E ratio | 3.78 | 10.48 |
| Forward P/E | N/A | 10.87 |
| PEG ratio | 0.20 | 0.51 |
| P/S ratio | 4.91 | 4.06 |
| P/B ratio | 1.96 | 1.28 |
Profitability
| Metric | BANFP | IBOC |
|---|---|---|
| Operating margin | 41.06% | 49.20% |
| Net margin | 32.25% | 38.81% |
| ROE | 12.87% | 12.24% |
BFC Capital Trust II PFD TR 7.20%: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
International Bancshares Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | BANFP | IBOC |
|---|---|---|
| Dividend yield | 6.71% | 2.10% |
| Payout ratio | 24.29% | 22.02% |
Growth (annualized)
| Metric | BANFP | IBOC |
|---|---|---|
| Revenue CAGR (5Y) | 10.17% | 11.84% |
| EPS CAGR (5Y) | 18.81% | 20.28% |
| Total return CAGR (5Y) | 6.58% | 12.56% |
Frequently asked
- Which has the lower trailing P/E, BANFP or IBOC?
- BANFP has the lower trailing P/E: BANFP trades at 3.78 and IBOC at 10.48. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BANFP or IBOC?
- Over the past five years, IBOC grew revenue faster — BANFP at a 10.17% CAGR versus IBOC at 11.84%.
- Does BANFP or IBOC pay a bigger dividend?
- BANFP yields 6.71% and IBOC yields 2.10% based on trailing dividends and the latest price.
- Is BANFP or IBOC more profitable?
- IBOC runs the higher net margin — BANFP at 32.25% versus IBOC at 38.81%.
- How have BANFP and IBOC total returns compared?
- Over the past 10 years, BANFP delivered 6.51% and IBOC delivered 11.61% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
BFC Capital Trust II PFD TR 7.20% & International Bancshares appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.