International Bancshares (IBOC) AI Stock Analysis

• Market Cap: $4.46B
• Dividend Yield: 2.03%
• Average Volume (3M): 234.86K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.83
• Revenue Growth: 0.99%
• EPS Growth: 4.94%
• Country: US
• Employees: 2,103
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.71
• Shares Outstanding: 62,177,720
• 10 Day Avg. Volume: 223,663
• 30 Day Avg. Volume: 234,862
• PEG Ratio: 13.21
• Price to Book (P/B): 1.27
• Price to Sales (P/S): 3.93
• P/FCF Ratio: 8.36
• Enterprise Value/Market Cap: 1.04
• Enterprise Value/Revenue: 4.38
• Enterprise Value/Gross Profit: 5.59
• Enterprise Value/Ebitda: 8.51
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 6.74
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $76.00 ▲(8.45% Upside)
• Action: Reiterated Date: 02/28/26
• Date: Action: Reiterated 02/28/26

The score is driven by strong financial quality (profitability, low leverage, and dependable cash generation) and an attractive valuation (low P/E with a solid dividend yield). Offsetting these strengths are weak technical signals (below key moving averages with negative momentum) and the notable 2025 revenue decline, which raises durability risk.

Positive Factors

Very low leverage

Very low leverage and rising equity provide a durable capital cushion that reduces regulatory and refinancing risk. This balance-sheet strength supports lending capacity, dividend increases and loss absorption through cycles, while healthy ROE (~11%–17%) preserves franchise resilience.

Negative Factors

2025 revenue decline

A large one-year revenue drop materially raises earnings durability concerns; persistent top-line weakness could compress margins, reduce free cash flow and limit capital return flexibility. Structural revenue pressure would force tougher trade-offs in lending and expense priorities.

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 inst...

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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 inst...

How the Company Makes Money

International Bancshares generates revenue primarily through net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. Key revenue streams include interest from commercial and consumer loa...

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International Bancshares generates revenue primarily through net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. Key revenue streams include interest from commercial and consumer loa...

International Bancshares Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.05B	1.04B	970.10M	712.91M	620.43M
Gross Profit	824.69M	801.84M	798.87M	653.11M	585.64M
EBITDA	543.71M	531.24M	545.46M	404.46M	347.36M
Net Income	412.29M	409.17M	411.77M	300.23M	253.92M
Balance Sheet
Total Assets	16.68B	15.74B	15.07B	15.50B	16.05B
Cash, Cash Equivalents and Short-Term Investments	536.49M	5.34B	5.47B	6.51B	7.42B
Total Debt	704.74M	654.73M	650.03M	576.78M	1.01B
Total Liabilities	13.43B	12.94B	12.62B	13.46B	13.74B
Stockholders Equity	3.25B	2.80B	2.45B	2.04B	2.31B
Cash Flow
Free Cash Flow	494.83M	459.80M	446.94M	368.73M	281.29M
Operating Cash Flow	512.96M	473.95M	474.43M	387.94M	291.68M
Investing Cash Flow	-613.59M	-985.06M	-1.07B	-992.03M	-915.89M
Financing Cash Flow	284.47M	212.71M	-843.89M	-517.43M	1.84B

International Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 70.08
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 67.79, above the 50-day MA of 69.14, and above the 200-day MA of 68.20, indicating a bullish trend. The MACD of 0.32 indicates Negative momentum. The RSI at 70.16 is Negative, neither overbought nor oversold. The STOCH value of 83.94 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IBOC.

International Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UCB	78 Outperform	$4.17B	11.58	9.15%	3.02%	5.63%	65.11%
IBOC	76 Outperform	$4.46B	10.04	13.41%	2.03%	0.99%	4.94%
ASB	73 Outperform	$4.59B	7.75	9.83%	3.51%	-1.44%	-21.65%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BANF	65 Neutral	$3.86B	14.73	13.85%	1.70%	6.55%	12.94%
TCBI	65 Neutral	$4.48B	12.34	9.30%	―	5.19%	3454.95%
SFBS	65 Neutral	$4.36B	14.19	15.76%	1.82%	3.97%	24.91%

International Bancshares Corporate Events