Which has the lower trailing P/E, FFIN or IBOC?

IBOC has the lower trailing P/E: FFIN trades at 17.16 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, FFIN or IBOC?

Over the past five years, IBOC grew revenue faster — FFIN at a 11.61% CAGR versus IBOC at 11.84%.

Does FFIN or IBOC pay a bigger dividend?

FFIN yields 2.56% and IBOC yields 2.10% based on trailing dividends and the latest price.

Is FFIN or IBOC more profitable?

IBOC runs the higher net margin — FFIN at 31.16% versus IBOC at 38.81%.

How have FFIN and IBOC total returns compared?

Over the past 10 years, FFIN delivered 7.63% and IBOC delivered 11.61% annualized total return. Past performance doesn't predict future results.

First Financial Bankshares, Inc. (FFIN) vs International Bancshares Corporation (IBOC)

A side-by-side comparison of First Financial Bankshares, Inc. 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.

FFIN

First Financial Bankshares, Inc.

$4.60B

$32.09Financial ServicesDelayed quote: Oct 6, 2026, 11:55 AM EDT

IBOC

International Bancshares Corporation

$4.32B

$69.47Financial ServicesDelayed quote: Oct 6, 2026, 11:55 AM EDT

Total return — FFIN vs IBOC

growth of $100 · dividends reinvested · last 10y

FFIN +111.9% (+7.8%/yr)IBOC +202.5% (+11.7%/yr)IBOC compounded faster over this window

FFIN IBOC

FFIN vs IBOC: by the numbers

•FFIN is the larger company ($4.60B vs $4.32B market cap).
•IBOC trades at the lower trailing earnings multiple (10.48 vs 17.16 P/E), one valuation lens rather than an overall verdict.
•IBOC converts more revenue to profit (38.81% vs 31.16% net margin).
•IBOC grew revenue faster over the past five years (11.84% vs 11.61% CAGR).
•FFIN pays the higher dividend yield (2.56% vs 2.10%).

Metrics side by side

Valuation

Metric	FFIN	IBOC
P/E ratio	17.16	10.48
Forward P/E	15.69	10.87
PEG ratio	3.80	0.51
P/S ratio	5.33	4.06
P/B ratio	2.30	1.28

Profitability

Metric	FFIN	IBOC
Operating margin	38.00%	49.20%
Net margin	31.16%	38.81%
ROE	13.47%	12.24%

First Financial Bankshares, Inc.: 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	FFIN	IBOC
Dividend yield	2.56%	2.10%
Payout ratio	43.85%	22.02%

Growth (annualized)

Metric	FFIN	IBOC
Revenue CAGR (5Y)	11.61%	11.84%
EPS CAGR (5Y)	4.62%	20.28%
Total return CAGR (5Y)	-5.53%	12.56%

Frequently asked

Which has the lower trailing P/E, FFIN or IBOC?: IBOC has the lower trailing P/E: FFIN trades at 17.16 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, FFIN or IBOC?: Over the past five years, IBOC grew revenue faster — FFIN at a 11.61% CAGR versus IBOC at 11.84%.
Does FFIN or IBOC pay a bigger dividend?: FFIN yields 2.56% and IBOC yields 2.10% based on trailing dividends and the latest price.
Is FFIN or IBOC more profitable?: IBOC runs the higher net margin — FFIN at 31.16% versus IBOC at 38.81%.
How have FFIN and IBOC total returns compared?: Over the past 10 years, FFIN delivered 7.63% and IBOC delivered 11.61% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FFIN analysis Full IBOC analysis Interactive comparison tool

Dig into the metrics

First Financial Bankshares P/E ratio International Bancshares P/E ratio First Financial Bankshares dividend yield International Bancshares dividend yield First Financial Bankshares ROE International Bancshares ROE First Financial Bankshares operating margin International Bancshares operating margin First Financial Bankshares revenue growth International Bancshares revenue growth

First Financial Bankshares & International Bancshares appear in these rankings

Highest Dividend Yield Stocks Highest Operating Margin Stocks Lowest P/E Ratio Stocks

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.