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International Bancshares
(IBOC)
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Rating:72Outperform
Price Target:
$77.00
â–²(8.80% Upside)
Action:Reiterated
Date:10/07/26
The score is driven primarily by strong profitability and cash generation with generally conservative leverage, supported by reasonable valuation (low P/E and dividend). These strengths are tempered by weaker technical momentum (below key moving averages with negative MACD) and the sharp TTM revenue decline plus some TTM reporting gaps that add near-term uncertainty.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
International Bancshares (IBOC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$4.12B
Dividend Yield2.21%
Average Volume (3M)394.26K
Price to Earnings (P/E)10.0
Beta (1Y)0.68
Revenue Growth2.17%
EPS Growth0.36%
CountryUS
Employees2,223
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.63
Shares Outstanding62,191,513
10 Day Avg. Volume375,083
30 Day Avg. Volume394,256
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 Cap1.22
Enterprise Value/Revenue4.70
Enterprise Value/Gross Profit5.98
Enterprise Value/Ebitda9.13
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)6.39
Revenue Forecast (FY)N/A
International Bancshares Business Overview & Revenue Model
Company Description
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 pr...
How the Company Makes Money
IBOC makes money primarily through traditional banking activities conducted by its bank subsidiary (IBC). The largest recurring earnings driver is typically net interest income: the bank earns interest on loans and other interest-earning assets (f...
International Bancshares Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
78
Positive
Cash Flow
83
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.06B | 1.05B | 1.04B | 970.10M | 712.91M | 620.43M |
| Gross Profit | 837.95M | 824.69M | 801.84M | 798.87M | 653.11M | 585.64M |
| EBITDA | 548.43M | 543.71M | 531.24M | 545.46M | 404.46M | 347.36M |
| Net Income | 413.26M | 412.29M | 409.17M | 411.77M | 300.23M | 253.92M |
Balance Sheet | ||||||
| Total Assets | 17.02B | 16.68B | 15.74B | 15.07B | 15.50B | 16.05B |
| Cash, Cash Equivalents and Short-Term Investments | 451.16M | 536.49M | 5.34B | 5.47B | 6.51B | 7.42B |
| Total Debt | 731.02M | 704.74M | 654.73M | 650.03M | 576.78M | 1.01B |
| Total Liabilities | 13.65B | 13.43B | 12.94B | 12.62B | 13.46B | 13.74B |
| Stockholders Equity | 3.38B | 3.25B | 2.80B | 2.45B | 2.04B | 2.31B |
Cash Flow | ||||||
| Free Cash Flow | 452.82M | 472.94M | 459.80M | 446.94M | 368.73M | 281.29M |
| Operating Cash Flow | 470.05M | 491.06M | 473.95M | 474.43M | 387.94M | 291.68M |
| Investing Cash Flow | -870.05M | -591.69M | -985.06M | -1.07B | -992.03M | -915.89M |
| Financing Cash Flow | 119.24M | 284.47M | 212.71M | -843.89M | -517.43M | 1.84B |
International Bancshares Technical Analysis
Negative
70.77
Price Trends
69.36
Negative
72.03
Negative
70.79
Negative
Market Momentum
-0.93
Negative
36.88
Neutral
33.15
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IBOC, the sentiment is Negative. The current price of 70.77 is above the 20-day moving average (MA) of 67.53, above the 50-day MA of 69.36, and below the 200-day MA of 70.79, indicating a bearish trend. The MACD of -0.93 indicates Negative momentum. The RSI at 36.88 is Neutral, neither overbought nor oversold. The STOCH value of 33.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IBOC.
International Bancshares Risk Analysis
International Bancshares disclosed 32 risk factors in its most recent earnings report. International Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
International Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $4.34B | 14.93 | 15.14% | 2.71% | 8.03% | 19.76% | |
78 Outperform | $4.41B | 11.47 | 10.11% | 0.39% | 3.07% | 27.52% | |
75 Outperform | $823.83M | 11.16 | 12.36% | 1.55% | 10.22% | 7.30% | |
73 Outperform | $1.03B | 11.30 | 9.71% | 1.90% | 7.18% | 7.94% | |
72 Outperform | $4.12B | 9.96 | 12.67% | 2.21% | 2.17% | 0.36% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $670.70M | 8.83 | 11.91% | 218.92% | 17.96% | 9.46% |
* Financial Sector Average
IBOC
International Bancshares
66.97
2.13
3.28%
FFIN
First Financial Bankshares
30.75
0.83
2.78%
TCBI
Texas Capital Bancshares
102.69
20.88
25.53%
BFST
Business First Bancshares
31.77
7.75
32.26%
SPFI
South Plains Financial
44.19
8.48
23.76%
TCBX
Third Coast Bancshares
40.41
3.58
9.72%
International Bancshares Corporate Events
Business Operations and StrategyDelistings and Listing Changes
International Bancshares Shifts Stock Listing to Texas Exchange
Positive
Oct 6, 2026
International Bancshares Corporation announced on October 6, 2026, that it will voluntarily transfer the primary listing of its common stock from the Nasdaq Stock Market to the Texas Stock Exchange, reflecting its longstanding operational and cust...
DividendsRegulatory Filings and Compliance
International Bancshares Declares Quarterly Cash Dividend to Shareholders
Positive
Aug 3, 2026
International Bancshares Corporation announced on August 3, 2026, that its board of directors had approved on July 31, 2026, a cash dividend of $0.73 per share on its common stock, payable on August 28, 2026, to shareholders of record as of the cl...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.