International Bancshares (NASDAQ:IBOC) and First Busey (NASDAQ:BUSE) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their analyst recommendations, risk, profitability, dividends, valuation, institutional ownership and earnings.
Risk and Volatility
International Bancshares has a beta of 1.46, suggesting that its stock price is 46% more volatile than the S&P 500. Comparatively, First Busey has a beta of 0.97, suggesting that its stock price is 3% less volatile than the S&P 500.
This is a summary of current ratings and price targets for International Bancshares and First Busey, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
First Busey has a consensus target price of $34.50, suggesting a potential upside of 26.05%. Given First Busey’s higher probable upside, analysts clearly believe First Busey is more favorable than International Bancshares.
Valuation & Earnings
This table compares International Bancshares and First Busey’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|International Bancshares||$565.54 million||4.43||$157.43 million||N/A||N/A|
|First Busey||$308.78 million||4.32||$62.72 million||$1.61||17.00|
International Bancshares has higher revenue and earnings than First Busey.
International Bancshares pays an annual dividend of $0.84 per share and has a dividend yield of 2.2%. First Busey pays an annual dividend of $0.80 per share and has a dividend yield of 2.9%. First Busey pays out 49.7% of its earnings in the form of a dividend. International Bancshares has increased its dividend for 6 consecutive years and First Busey has increased its dividend for 4 consecutive years.
Insider and Institutional Ownership
58.5% of International Bancshares shares are owned by institutional investors. Comparatively, 51.8% of First Busey shares are owned by institutional investors. 17.9% of International Bancshares shares are owned by company insiders. Comparatively, 11.2% of First Busey shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
This table compares International Bancshares and First Busey’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
International Bancshares beats First Busey on 11 of the 15 factors compared between the two stocks.
International Bancshares Company Profile
International Bancshares Corporation, a financial holding company, provides commercial and retail banking services. 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. In addition, it offers other banking related services, such as credit cards and safety deposit boxes; collection, notary public, escrow, and drive-up and walk-up facilities, as well as other customary banking services; and Internet banking services, as well as securities products through third party providers. The company provides its services through 192 branch locations and 294 ATMs serving 87 communities in south, central, and southeast Texas, as well as in the state of Oklahoma. International Bancshares Corporation was founded in 1966 and is based in Laredo, Texas.
First Busey Company Profile
First Busey Corporation operates as the bank holding company for Busey Bank that provides retail and commercial banking products and services to individual, corporate, institutional, and governmental customers in the United States. The company operates in three segments: Banking, Remittance Processing, and Wealth Management. It offers customary types of demand and savings deposits; and commercial, agricultural, commercial and residential real estate, and consumer loans, as well as home equity lines of credit. The company also provides money transfer, safe deposit, IRA, Keogh and other fiduciary, ATM and technology-based networks, and online and mobile banking services. In addition, it offers investment management, trust, estate advisory, and financial planning services, as well as business succession planning, and employee retirement planning services; investment strategy consulting and fiduciary services; and security brokerage services. Further, the company provides pay processing solutions, such as walk-in payment processing for payments delivered by customers to retail pay agents; online bill payment solutions for payments made by customers on a billing company's Website; customer service payments for payments accepted over the telephone; direct debit services; electronic concentration of payments delivered by the automated clearing house network; money management software and credit card networks; and lockbox remittance processing of payments delivered by mail. It has 28 banking centers in Illinois; 7 in southwest Florida; and 1 in Indianapolis, Indiana. First Busey Corporation was founded in 1868 and is headquartered in Champaign, Illinois.
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