IB4 Stock Chart & Stats
€56.50
€1.00(1.57%)
At close: 4:00 PM EDT
€56.50
€1.00(1.57%)
Day’s Range― - ―
52-Week Range€54.00 - €66.00
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€3.77B
Enterprise Value€5.01B
Total Cash (Recent Filing)€451.16M
Total Debt (Recent Filing)€731.02M
Price to Earnings (P/E)10.2
Beta0.48
Next Earnings
Nov 05, 2026EPS Estimate
1.37Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)6.63
Shares Outstanding62,191,513
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio16.51
Price to Book (P/B)1.27
Price to Sales (P/S)3.93
P/FCF Ratio8.75
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)5.71
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
High ProfitabilityTTM net margin above 50% and strong operating profitability show that IBOC converts its banking franchise into substantial earnings. Resilient annual net income around the low-$400M range from 2023–2025 suggests profitability has persisted across recent periods, supporting internal capital formation.
Strong Cash GenerationFree cash flow conversion in the mid-90%+ range indicates that reported earnings are supported by cash generation rather than relying primarily on accounting gains. Recent growth in TTM free cash flow and operating cash flow strengthens IBOC’s ability to fund operations, capital needs, and shareholder returns.
Conservative LeverageModest annual leverage and steadily rising equity provide a durable capital-strength advantage for a regional bank. This balance-sheet position can improve resilience through changing credit conditions and preserve flexibility to support lending, absorb losses, and maintain shareholder distributions.
Bears Say
Revenue DeclineThe sharp TTM revenue decline is a meaningful challenge to earnings durability, even though net income has remained resilient. If weaker revenue persists, it could reduce operating leverage and constrain the resources available for loan growth, technology investment, and continued capital returns.
Regional ConcentrationIBOC’s concentrated operating footprint gives it strong local market knowledge but also ties results closely to economic activity in its primary markets. A sustained slowdown affecting Texas or the company’s other concentrated regions could pressure loan demand, deposits, fee activity, and credit performance together.
Rate And Credit SensitivityAs a traditional bank, IBOC’s earnings remain sensitive to the spread between loan and asset yields and the cost of deposits and borrowings. Changes in rates, funding mix, loan performance, provisions, or charge-offs can therefore pressure margins and profitability over multiple quarters.
International Bancshares News
IB4 FAQ
What was International Bancshares Corp.’s price range in the past 12 months?
International Bancshares Corp. lowest stock price was €54.00 and its highest was €66.00 in the past 12 months.
What is International Bancshares Corp.’s market cap?
International Bancshares Corp.’s market cap is €3.77B.
When is International Bancshares Corp.’s upcoming earnings report date?
International Bancshares Corp.’s upcoming earnings report date is Nov 05, 2026 which is in 23 days.
How were International Bancshares Corp.’s earnings last quarter?
International Bancshares Corp. released its earnings results on Aug 06, 2026. The company reported €1.333 earnings per share for the quarter, missing the consensus estimate of €1.393 by -€0.061.
Is International Bancshares Corp. overvalued?
According to Wall Street analysts International Bancshares Corp.’s price is currently Overvalued.
Does International Bancshares Corp. pay dividends?
International Bancshares Corp. does not currently pay dividends.
What is International Bancshares Corp.’s EPS estimate?
International Bancshares Corp.’s EPS estimate is 1.37.
How many shares outstanding does International Bancshares Corp. have?
International Bancshares Corp. has 62,191,513 shares outstanding.
What happened to International Bancshares Corp.’s price movement after its last earnings report?
International Bancshares Corp. reported an EPS of €1.333 in its last earnings report, missing expectations of €1.393. Following the earnings report the stock price went up 3.278%.
Which hedge fund is a major shareholder of International Bancshares Corp.?
Currently, no hedge funds are holding shares in DE:IB4
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
International Bancshares Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
5.18%
12-Months-Change
Fundamentals
Return on Equity
12.67%
Trailing 12-Months
Asset Growth
3.40%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
International Bancshares Corp.
International Bancshares Corporation (IBC), functioning as a financial holding company, delivers a comprehensive array of commercial and retail banking services. The institution facilitates checking and savings deposits and extends various loan products, including financing for commercial ventures, real estate, personal needs, home improvements, automobiles, and other installment or term-based credit. Moreover, IBC specializes in international banking, offering services such as letters of credit, commercial and industrial lending, and foreign currency exchange. Its supplementary offerings feature credit cards, secure safety deposit boxes, collection services, notary public, and escrow. The company also provides the convenience of drive-up and walk-up facilities, alongside other standard banking operations, online banking platforms, and access to securities products facilitated by external providers. As of February 28, 2022, International Bancshares Corporation maintained a substantial presence with 170 branch locations and 263 ATMs, serving 76 distinct communities across Texas and Oklahoma. Established in 1966, the corporation's primary corporate office is located in Laredo, Texas.
Technical Analysis
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