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International Bancshares (IBOC) AI Stock Analysis
International Bancshares
(TXSE:IBOC)
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.
International Bancshares (IBOC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $4.11B
- Dividend Yield
- 2.12%
- Average Volume (3M)
- 354.45K
- Price to Earnings (P/E)
- 10.0
- Beta (1Y)
- 0.69
- Revenue Growth
- 2.17%
- EPS Growth
- 0.36%
- Country
- US
- Employees
- 2,223
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 produ...
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 (for...
International Bancshares Financial Statement Overview
Summary
Strong profitability (TTM net margin above 50%) and strong cash earnings quality (free cash flow closely tracking net income, with TTM FCF up ~25%) support a solid profile. Offsetting factors are the sharp TTM revenue decline (~25%) and some TTM data gaps/inconsistencies (e.g., balance sheet fields shown as zero; certain cash flow coverage fields), which reduce confidence in the most recent-period diagnostics.
Income Statement
72PositiveBalance Sheet
78PositiveCash Flow
83Very 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
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IBOC, the sentiment is Positive. The current price of 69.02 is above the 20-day moving average (MA) of 67.22, above the 50-day MA of 69.01, and below the 200-day MA of 70.78, indicating a neutral trend. The MACD of -0.34 indicates Negative momentum. The RSI at 55.88 is Neutral, neither overbought nor oversold. The STOCH value of 68.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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.
Latest Risks Added
0 New RisksInternational Bancshares Peers Comparison
Overall Rating
FFIN78Outperform
TCBI78Outperform
SPFI76Outperform
BFST75Outperform- IBOC72Outperform
TCBX70Outperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FFIN | 78Outperform | $4.45B | 15.48 | 15.14% | 2.61% | 8.03% | 19.76% |
| TCBI | 78Outperform | $4.49B | 11.47 | 10.11% | 0.38% | 3.07% | 27.52% |
| SPFI | 76Outperform | $818.36M | 11.21 | 12.36% | 1.62% | 10.17% | 7.30% |
| BFST | 75Outperform | $1.04B | 11.78 | 9.71% | 1.82% | 7.18% | 7.94% |
| IBOC | 72Outperform | $4.20B | 9.96 | 12.67% | 2.12% | 2.17% | 0.36% |
| TCBX | 70Outperform | $664.73M | 8.88 | 11.91% | ― | 17.96% | 9.46% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IBOC | International Bancshares | 69.02 | 3.05 | 4.63% | |
| FFIN | First Financial Bankshares | 31.42 | 1.45 | 4.85% | |
| TCBI | Texas Capital Bancshares | 106.03 | 21.72 | 25.77% | |
| BFST | Business First Bancshares | 32.98 | 8.90 | 36.96% | |
| SPFI | South Plains Financial | 43.94 | 8.19 | 22.92% | |
| TCBX | Third Coast Bancshares Inc | 40.49 | 3.89 | 10.63% |
International Bancshares Corporate Events
International Bancshares Shifts Stock Listing to Texas Exchange
PositiveInternational 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 custome...
International Bancshares Declares Quarterly Cash Dividend to Shareholders
PositiveInternational 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 close...
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.
Date of analysis: Oct 06, 2026