International Bancshares Corporation (IBOC) vs TFS Financial Corporation (TFSL)
A side-by-side comparison of International Bancshares Corporation and TFS Financial 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 — IBOC vs TFSL
growth of $100 · dividends reinvested · last 10yIBOC vs TFSL: by the numbers
- •TFSL is the larger company ($4.65B vs $4.29B market cap).
- •IBOC trades at the lower trailing earnings multiple (10.40 vs 45.63 P/E), one valuation lens rather than an overall verdict.
- •IBOC converts more revenue to profit (38.81% vs 12.48% net margin).
- •TFSL grew revenue faster over the past five years (11.98% vs 11.84% CAGR).
- •TFSL pays the higher dividend yield (7.04% vs 2.10%).
Metrics side by side
Valuation
| Metric | IBOC | TFSL |
|---|---|---|
| P/E ratio | 10.40 | 45.63 |
| Forward P/E | 10.79 | 42.49 |
| PEG ratio | 0.51 | 35.10 |
| P/S ratio | 4.03 | 5.68 |
| P/B ratio | 1.27 | 2.37 |
Profitability
| Metric | IBOC | TFSL |
|---|---|---|
| Operating margin | 49.20% | 14.86% |
| Net margin | 38.81% | 12.48% |
| ROE | 12.24% | 5.21% |
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.
TFS Financial 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 | IBOC | TFSL |
|---|---|---|
| Dividend yield | 2.10% | 7.04% |
| Payout ratio | 22.02% | 320.85% |
Growth (annualized)
| Metric | IBOC | TFSL |
|---|---|---|
| Revenue CAGR (5Y) | 11.84% | 11.98% |
| EPS CAGR (5Y) | 20.28% | 1.30% |
| Total return CAGR (5Y) | 12.56% | 5.24% |
Frequently asked
- Which has the lower trailing P/E, IBOC or TFSL?
- IBOC has the lower trailing P/E: IBOC trades at 10.40 and TFSL at 45.63. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, IBOC or TFSL?
- Over the past five years, TFSL grew revenue faster — IBOC at a 11.84% CAGR versus TFSL at 11.98%.
- Does IBOC or TFSL pay a bigger dividend?
- IBOC yields 2.10% and TFSL yields 7.04% based on trailing dividends and the latest price.
- Is IBOC or TFSL more profitable?
- IBOC runs the higher net margin — IBOC at 38.81% versus TFSL at 12.48%.
- How have IBOC and TFSL total returns compared?
- Over the past 10 years, IBOC delivered 11.61% and TFSL delivered 6.18% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
International Bancshares & TFS Financial 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.