International Bancshares (IBOC) AI Stock Analysis

• Market Cap: $4.24B
• Dividend Yield: 1.99%
• Average Volume (3M): 221.71K
• Price to Earnings (P/E): 10.4
• Beta (1Y): 0.97
• Revenue Growth: 4.24%
• EPS Growth: 0.38%
• Country: US
• Employees: 2,103
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.55
• Shares Outstanding: 62,141,937
• 10 Day Avg. Volume: 197,340
• 30 Day Avg. Volume: 221,705
• PEG Ratio: -3.21
• Price to Book (P/B): 1.33
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 10.00
• Enterprise Value/Market Cap: 0.22
• Enterprise Value/Revenue: 0.24
• Enterprise Value/Gross Profit: 1.05
• Enterprise Value/Ebitda: 0.52
• 1Y Price Target: $71.00
• Price Target Upside: 4.14% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 79 Outperform
• Price Target: $75.00 ▲(10.00%Upside)

International Bancshares demonstrates strong financial performance with solid revenue growth and profitability. The technical indicators support an upward trend, and the stock appears undervalued, providing a good investment opportunity. However, the lack of recent earnings call data means potential investors should stay informed about future updates.

International Bancshares Business Overview & Revenue Model

Company Description

International Bancshares Corporation, a financial holding company, provides commercial and retail banking services. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. As of February 28, 2022, the company had 170 branch facilities and 263 ATMs serving 76 communities in Texas and Oklahoma. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.

How the Company Makes Money

International Bancshares Corporation generates revenue primarily through interest income from loans and investments, as well as non-interest income from fees and service charges. The company issues various types of loans, including commercial, real estate, and consumer loans, which are significant sources of interest income. Additionally, IBOC earns non-interest income from service charges on deposit accounts, fees for financial services, and gains from investment activities. The bank's strategic focus on community banking and maintaining strong customer relationships contributes to its profitability, along with its geographic presence in key markets across Texas and Oklahoma.

International Bancshares Financial Statement Overview

Summary

International Bancshares demonstrates strong financial health with solid revenue growth, efficient cost management, and a robust balance sheet. The company has a low debt-to-equity ratio, high return on equity, and strong cash flow performance, though there are minor concerns with operational profit transparency and variability in free cash flow growth.

Income Statement

International Bancshares has demonstrated strong revenue and profit growth. The gross profit margin has remained consistently high, indicating efficient cost management. However, EBIT and EBITDA margins were not applicable for the most recent year, which slightly affects transparency in operational profitability.

Balance Sheet

The company's balance sheet is robust with a low debt-to-equity ratio, indicating prudent financial leverage. The equity ratio is healthy, showing a solid capital structure. The high return on equity suggests efficient use of shareholder funds to generate profits.

Cash Flow

Cash flow performance is strong, with consistent free cash flow generation and a solid operating cash flow to net income ratio. However, the variability in free cash flow growth highlights potential fluctuations in cash generation capacity.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	930.87M	833.64M	974.09M	674.76M	593.60M	538.47M
Gross Profit	877.45M	833.64M	974.09M	674.76M	593.60M	538.47M
EBITDA	449.98M	531.24M	545.46M	404.46M	347.36M	0.00
Net Income	408.73M	409.17M	411.77M	300.23M	253.92M	167.32M
Balance Sheet
Total Assets	0.00	15.74B	15.07B	15.50B	16.05B	14.03B
Cash, Cash Equivalents and Short-Term Investments	0.00	5.34B	651.06M	6.51B	7.42B	5.08B
Total Debt	0.00	119.41M	119.61M	145.59M	570.78M	570.97M
Total Liabilities	13.37B	12.94B	12.62B	13.46B	570.78M	570.97M
Stockholders Equity	2.90B	2.80B	2.45B	2.04B	2.31B	2.18B
Cash Flow
Free Cash Flow	335.54M	459.80M	446.94M	368.73M	281.29M	298.41M
Operating Cash Flow	343.15M	473.95M	474.43M	387.94M	291.68M	305.13M
Investing Cash Flow	-906.03M	-985.06M	-1.07B	-992.03M	-915.89M	-343.70M
Financing Cash Flow	378.21M	212.71M	-843.89M	-517.43M	1.84B	1.78B

International Bancshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 68.18
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IBOC, the sentiment is Neutral. The current price of 68.18 is below the 20-day moving average (MA) of 69.52, above the 50-day MA of 66.43, and above the 200-day MA of 64.97, indicating a neutral trend. The MACD of 0.67 indicates Positive momentum. The RSI at 48.98 is Neutral, neither overbought nor oversold. The STOCH value of 42.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IBOC.

International Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AX	80 Outperform	$4.87B	11.58	17.42%	―	9.00%	-2.90%
IBOC	79 Outperform	$4.24B	10.39	15.20%	1.99%	4.24%	0.38%
ABCB	79 Outperform	$4.82B	12.32	10.46%	1.07%	4.72%	25.95%
BANF	74 Outperform	$4.21B	18.24	14.43%	1.48%	1.66%	15.57%
AUB	72 Outperform	$4.52B	15.42	5.18%	4.16%	37.25%	-8.67%
Sector *	67 Neutral	¥752.53B	11.08	7.55%	3.21%	7.70%	14.15%
TFSL	62 Neutral	$3.58B	44.43	4.32%	8.62%	5.78%	3.19%

International Bancshares Corporate Events

International Bancshares Holds Annual Shareholders Meeting

On May 19, 2025, International Bancshares Corporation held its Annual Meeting of Shareholders where several proposals were voted on, including the election of eight directors, the ratification of RSM US LLP as the independent auditor for 2025, and a non-binding advisory resolution on executive compensation. All director nominees were elected, and the proposals regarding the auditor and executive compensation were approved by a majority vote. Additionally, shareholders preferred an annual advisory vote on executive compensation, which the Board of Directors will include in the 2026 meeting.