IBOC vs HCXY

Comparison between International Bancshares Corp (IBOC, Company) and Hercules Capital Inc (HCXY, Company).

IBOC is from the Financial Services sector, while HCXY is from the Financials sector.

5-Year PerformanceIBOC has outperformed HCXY, delivering a return of +13.9% compared to +4.9%

IBOC vs HCXY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	IBOC(COMPANY)	HCXY(COMPANY)
Market Cap	$4.57B	$4.56B
Max Drawdown	77.70%	34.76%
Sharpe Ratio	0.79	0.46
5Y Beta	0.85	-0.02
Industry	Banks - Regional	Investment Banking & Investment Services
P/E Ratio	11.22	13.27
Forward P/E	9.81	N/A
PEG Ratio	4.44	0.76
Dividend Yield	1.89%	4.95%
5Y Dividends CAGR	5.24%	4.56%
5Y EPS CAGR	15.97%	N/A
Debt to Equity	0.00%	103.18%
Free Cash Flow Yield	9.97%	-9.35%

Market Cap

Winner

IBOC

$4.57B

HCXY

$4.56B

Max Drawdown

IBOC

77.70%

Winner

HCXY

34.76%

Sharpe Ratio

Winner

IBOC

0.79

HCXY

0.46

5Y Beta

IBOC

0.85

Winner

HCXY

-0.02

Industry

IBOC

Banks - Regional

HCXY

Investment Banking & Investment Services

P/E Ratio

Winner

IBOC

11.22

HCXY

13.27

Forward P/E

IBOC

9.81

HCXY

N/A

PEG Ratio

IBOC

4.44

Winner

HCXY

0.76

Dividend Yield

IBOC

1.89%

Winner

HCXY

4.95%

5Y Dividends CAGR

Winner

IBOC

5.24%

HCXY

4.56%

5Y EPS CAGR

IBOC

15.97%

HCXY

N/A

Debt to Equity

Winner

IBOC

0.00%

HCXY

103.18%

Free Cash Flow Yield

Winner

IBOC

9.97%

HCXY

-9.35%

IBOC vs HCXY - Historical Returns

Returns include dividend reinvestment.

Period	IBOC	HCXY
1 month	+1.88%	+1.44%
3 months	+10.72%	+1.25%
6 months	+3.63%	+1.77%
1 year	+20.07%	+7.64%
5 years(CAGR)	+13.92%	+4.86%
10 years(CAGR)	+13.44%	N/A
Max(CAGR)	+10.02%	+6.83%

Winner

IBOC

+1.88%

HCXY

+1.44%

Winner

IBOC

+10.72%

HCXY

+1.25%

Winner

IBOC

+3.63%

HCXY

+1.77%

Winner

IBOC

+20.07%

HCXY

+7.64%

5Y(CAGR)

Winner

IBOC

+13.92%

HCXY

+4.86%

10Y(CAGR)

IBOC

+13.44%

HCXY

N/A

Max(CAGR)

Winner

IBOC

+10.02%

HCXY

+6.83%

IBOC vs HCXY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	IBOC	HCXY
2026	+11.17%	+1.25%
2025	+7.80%	+7.15%
2024	+19.99%	+6.06%
2023	+23.62%	+11.82%
2022	+9.85%	-2.14%
2021	+18.33%	+4.59%
2020	-9.84%	+7.89%
2019	+28.28%	+19.30%
2018	-10.99%	-2.28%
2017	-1.00%	N/A
2016	+67.71%	N/A
2015	+0.39%	N/A
2014	+4.48%	N/A
2013	+42.22%	N/A
2012	-3.26%	N/A
2011	-8.99%	N/A
2010	+4.86%	N/A
2009	-10.57%	N/A
2008	+9.51%	N/A
2007	-23.97%	N/A
2006	+8.23%	N/A
2005	-3.76%	N/A
2004	+8.46%	N/A
2003	+49.79%	N/A
2002	+19.02%	N/A
2001	+59.39%	N/A
2000	-0.05%	N/A
1999	-2.75%	N/A

IBOC vs HCXY Drawdown Comparison

The maximum drawdown for IBOC was -77.43%, occurring on Mar 30, 2009. Recovery took 1795 trading sessions.

The maximum drawdown for HCXY was -34.76%, occurring on Mar 20, 2020. Recovery took 146 trading sessions.

The current IBOC drawdown is -3.88%. The current HCXY drawdown is -0.41%.

Rank	IBOC	HCXY
#1	-77.43% Sep 19, 2008 - Nov 5, 2015	-34.76% Feb 26, 2020 - Sep 23, 2020
#2	-63.38% Sep 20, 2018 - Feb 23, 2021	-15.28% Oct 14, 2021 - Jan 13, 2023
#3	-34.53% Feb 18, 2004 - Sep 18, 2008	-11.53% Feb 7, 2023 - Jul 17, 2023
#4	-30.43% Nov 27, 2015 - Oct 5, 2016	-9.12% Sep 28, 2018 - Jan 4, 2019
#5	-26.82% Mar 12, 2021 - Oct 31, 2022	-7.45% Jul 21, 2023 - Nov 8, 2023
#6	-24.10% Nov 25, 2024 - Feb 4, 2026	-4.21% Jul 22, 2019 - Aug 28, 2019
#7	-22.79% Nov 10, 2022 - Dec 14, 2023	-4.00% Nov 8, 2023 - Dec 22, 2023
#8	-22.40% Jun 27, 2002 - Apr 15, 2003	-3.97% Jul 15, 2021 - Oct 14, 2021
#9	-21.99% Nov 15, 1999 - Jan 11, 2001	-3.91% Jan 14, 2021 - Apr 14, 2021
#10	-20.53% Dec 20, 2016 - Oct 5, 2017	-3.58% Feb 5, 2024 - May 14, 2024
#11	-17.76% Jul 26, 2024 - Nov 6, 2024	-3.58% Oct 22, 2024 - Feb 26, 2025
#12	-16.84% Jan 11, 2001 - Feb 12, 2001	-3.55% Jan 13, 2023 - Feb 7, 2023
#13	-15.76% Jun 29, 2001 - Dec 21, 2001	-3.42% Sep 9, 2019 - Nov 29, 2019
#14	-13.03% May 8, 2002 - Jun 26, 2002	-3.26% Nov 4, 2020 - Nov 13, 2020
#15	-12.85% Jun 5, 2003 - Aug 14, 2003	-3.20% Feb 18, 2026 - Mar 31, 2026

Correlation

Correlation between IBOC and HCXY is 0.91 which considered as a very strong positive correlation - the stocks move almost identically together.

0.91

-101

Dividend Comparison (2000 - 2026)

IBOC vs HCXY dividend yield comparison.

Year	IBOC	HCXY
2026	0.99%	3.11%
2025	2.11%	6.13%
2024	2.09%	6.21%
2023	2.32%	6.19%
2022	2.62%	6.35%
2021	2.71%	5.86%
2020	2.94%	5.83%
2019	2.44%	5.93%
2018	2.18%	0.67%
2017	1.66%	0.00%
2016	1.47%	0.00%
2015	2.26%	0.00%
2014	1.96%	0.00%
2013	1.63%	0.00%
2012	2.21%	0.00%
2011	2.07%	0.00%
2010	1.80%	0.00%
2009	1.80%	0.00%
2008	3.02%	0.00%
2007	3.10%	0.00%
2006	2.26%	0.00%
2005	2.18%	0.00%
2004	2.03%	0.00%
2003	1.79%	0.00%
2002	1.75%	0.00%
2001	1.90%	0.00%
2000	2.87%	0.00%