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International Bancshares (IB4) Stock Price & Analysis

IB4 Stock Chart & Stats

€56.50€0.00(0.00%)
At close: 5:30 PM GMT+1
€58€59€60€6110 Mar19 Mar17 Apr3 Jun
Day’s Range
EUR 56.50 - EUR 60.50
52-Week Range
EUR 54.00 - EUR 66.00
Previous Close
EUR 56.50
Volume
0
Average Volume (3M)
0
Market Cap
EUR 3.72B
Enterprise Value
EUR 5.01B
Total Cash (Recent Filing)
EUR 451.16M
Total Debt (Recent Filing)
EUR 731.02M
Price to Earnings (P/E)
10.0
Beta
0.42
Next Earnings
Nov 05, 2026 (Est.)
EPS Estimate
1.37
Next Dividend Ex-Date
N/A
Dividend Yield
2.04%

Bulls Say, Bears Say

Bulls Say

High Profitability

TTM 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 Generation

Free 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 Leverage

Modest 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 Decline

The 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 Concentration

IBOC’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 Sensitivity

As 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’s price range in the past 12 months?
International Bancshares lowest stock price was €54.00 and its highest was €66.00 in the past 12 months.
What is International Bancshares’s market cap?
International Bancshares’s market cap is €3.72B.
When is International Bancshares’s upcoming earnings report date?
International Bancshares’s next earnings report is estimated for Nov 05, 2026 (not yet confirmed), which is in 3 days.
How were International Bancshares’s earnings last quarter?
International Bancshares 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 overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does International Bancshares pay dividends?
International Bancshares does not currently pay dividends.
What is International Bancshares’s EPS estimate?
International Bancshares’s EPS estimate is 1.37.
How many shares outstanding does International Bancshares have?
International Bancshares has 62,191,513 shares outstanding.
What happened to International Bancshares’s price movement after its last earnings report?
International Bancshares 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?
Hedge funds hold International Bancshares shares: the largest hedge-fund position in International Bancshares is 2,069,231,620 shares, and hedge funds decreased their holdings by 145.0K shares last quarter.
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