International Bancshares Earnings Preview

International Bancshares (Nasdaq: IBOC  ) beat estimates by $0.06 last quarter and investors are hoping it can beat them again. The company will unveil its latest earnings Friday. International Bancshares is a bank holding company with four bank subsidiaries -- IBC, Commerce Bank, IBC-Zapata and IBC-Brownsville.

What analysts say:

• Buy, sell, or hold?: Analysts unanimously rate International Bancshares a hold. Analysts' rating of International has stayed constant from three months prior.
• Revenue Forecasts: On average, analysts predict $130.1 million in revenue this quarter. That would represent a decline of 0.2% from the year-ago quarter.
• Wall Street Earnings Expectations: The average analyst estimate is earnings of $0.42 per share.

What our community says:
CAPS All-Stars are solidly backing the stock with 76.2% granting it an "outperform" rating. The community at large backs the All-Stars with 78% giving it a rating of "outperform." Fools are gung-ho about International and haven't been shy with their opinions lately, logging 107 posts in the past 30 days. International Bancshares' bearish CAPS rating of one out of five stars falls short of the Fool community sentiment.

Management:
International Bancshares' income has fallen year over year by an average of 3.4%. Revenue has fallen for the past three quarters.

Now let's look at how efficient management is at running the business. Traditionally, margins represent the efficiency with which companies capture portions of sales dollars. The following table shows net margins over the past four quarters.

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