FNB vs IBOC

For growth investors, F.

N. B. Corporation (FNB) is the stronger pick with 4. 9% revenue growth year-over-year, versus 1. 0% for International Bancshares Corporation (IBOC). International Bancshares Corporation (IBOC) offers the better valuation at 11. 0x trailing P/E (10. 8x forward), making it the more compelling value choice. Analysts rate F. N. B. Corporation (FNB) a "Buy" — based on 19 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, International Bancshares Corporation (IBOC) is the cheapest at 11.

0x versus F. N. B. Corporation at 11. 7x. On forward P/E, F. N. B. Corporation is actually cheaper at 10. 6x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: International Bancshares Corporation wins at 0. 53x versus F. N. B. Corporation's 0. 82x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, International Bancshares Corporation (IBOC) delivered a total return of +61.

1%, compared to +52. 3% for F. N. B. Corporation (FNB). Over 10 years, the gap is even starker: IBOC returned +227. 0% versus FNB's +80. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), International Bancshares Corporation (IBOC) is the lower-risk stock at 0.

83β versus F. N. B. Corporation's 1. 22β — meaning FNB is approximately 48% more volatile than IBOC relative to the S&P 500. On balance sheet safety, International Bancshares Corporation (IBOC) carries a lower debt/equity ratio of 22% versus 58% for F. N. B. Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), F.

N. B. Corporation (FNB) is pulling ahead at 4. 9% versus 1. 0% for International Bancshares Corporation (IBOC). On earnings-per-share growth, the picture is similar: F. N. B. Corporation grew EPS 22. 8% year-over-year, compared to 0. 8% for International Bancshares Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

International Bancshares Corporation (IBOC) is the more profitable company, earning 39.

1% net margin versus 21. 0% for F. N. B. Corporation — meaning it keeps 39. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: IBOC leads at 49. 4% versus 24. 8% for FNB. At the gross margin level — before operating expenses — IBOC leads at 78. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, International Bancshares Corporation (IBOC) is the more undervalued stock at a PEG of 0. 53x versus F. N. B. Corporation's 0. 82x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, F. N. B. Corporation (FNB) trades at 10. 6x forward P/E versus 10. 8x for International Bancshares Corporation — 0. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for IBOC: 17. 1% to $85. 00.

In this comparison, IBOC (1.

9% yield) pays a dividend. FNB does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, International Bancshares Corporation (IBOC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

83), 1. 9% yield, +227. 0% 10Y return). Both have compounded well over 10 years (IBOC: +227. 0%, FNB: +80. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

IBOC pays a dividend while FNB does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.