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International Bancshares Corp. (IBOC)
NASDAQ:IBOC

International Bancshares (IBOC) AI Stock Analysis

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IB

International Bancshares

(NASDAQ:IBOC)

Rating:79Outperform
Price Target:
$75.00
▲(7.02%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 (IBOC) vs. SPDR S&P 500 ETF (SPY)

International Bancshares Business Overview & Revenue Model

Company DescriptionInternational 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 MoneyInternational 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
78
Positive
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
83
Very Positive
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
75
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue930.87M833.64M974.09M674.76M593.60M538.47M
Gross Profit877.45M833.64M974.09M674.76M593.60M538.47M
EBITDA449.98M531.24M545.46M404.46M347.36M0.00
Net Income408.73M409.17M411.77M300.23M253.92M167.32M
Balance Sheet
Total Assets0.0015.74B15.07B15.50B16.05B14.03B
Cash, Cash Equivalents and Short-Term Investments0.005.34B651.06M6.51B7.42B5.08B
Total Debt0.00119.41M119.61M145.59M570.78M570.97M
Total Liabilities13.37B12.94B12.62B13.46B570.78M570.97M
Stockholders Equity2.90B2.80B2.45B2.04B2.31B2.18B
Cash Flow
Free Cash Flow335.54M459.80M446.94M368.73M281.29M298.41M
Operating Cash Flow343.15M473.95M474.43M387.94M291.68M305.13M
Investing Cash Flow-906.03M-985.06M-1.07B-992.03M-915.89M-343.70M
Financing Cash Flow378.21M212.71M-843.89M-517.43M1.84B1.78B

International Bancshares Technical Analysis

Technical Analysis Sentiment
Positive
Last Price70.08
Price Trends
50DMA
64.35
Positive
100DMA
63.25
Positive
200DMA
64.09
Positive
Market Momentum
MACD
1.79
Negative
RSI
67.96
Neutral
STOCH
79.41
Neutral
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 70.08 is above the 20-day moving average (MA) of 65.92, above the 50-day MA of 64.35, and above the 200-day MA of 64.09, indicating a bullish trend. The MACD of 1.79 indicates Negative momentum. The RSI at 67.96 is Neutral, neither overbought nor oversold. The STOCH value of 79.41 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.
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

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$4.34B10.6615.20%2.00%4.24%0.38%
78
Outperform
$4.62B12.4310.19%1.19%7.16%31.69%
AXAX
77
Outperform
$4.68B11.3117.80%15.93%0.17%
76
Outperform
$4.30B19.6114.14%1.42%11.42%7.58%
AUAUB
75
Outperform
$4.70B15.117.30%4.12%26.09%-19.05%
67
Neutral
$16.89B11.809.79%3.77%12.07%-8.35%
64
Neutral
$3.73B46.274.22%8.51%8.99%3.89%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IBOC
International Bancshares
70.08
14.78
26.73%
ABCB
Ameris Bancorp
67.22
16.97
33.77%
BANF
BancFirst
129.84
44.58
52.29%
AX
Axos Financial
84.21
26.99
47.17%
TFSL
TFS Financial
13.35
1.83
15.89%
AUB
Atlantic Union Bankshares
33.32
1.40
4.39%

International Bancshares Corporate Events

Executive/Board ChangesShareholder Meetings
International Bancshares Holds Annual Shareholders Meeting
Neutral
May 21, 2025

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.

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.Date of analysis: Jun 24, 2025