International Bancshares Corp. (IBOC)
NASDAQ:IBOC
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International Bancshares
(NASDAQ:IBOC)
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Rating:76Outperform
Price Target:
$81.00
▲(15.58% Upside)
Action:Reiterated
Date:05/21/26
The score is driven primarily by strong financial performance (high profitability, strong recent revenue growth, conservative leverage, and solid cash generation). Valuation is supportive with a low P/E and a moderate dividend yield. Technicals are only mildly positive/neutral, limiting upside in the score, while governance-related corporate events provide a modest additional tailwind.
Positive Factors
High profitability / margins
Sustained, very high net and operating margins indicate durable earnings power relative to peers. High margins support internal capital generation, allow reinvestment in lending and services, and provide a buffer through interest-rate and credit cycles, underpinning long-term profitability.
Negative Factors
Margin and ROE variability
Declining ROE from prior peaks and noted margin swings indicate earnings sensitivity to rate and credit cycles. Variability can constrain predictable capital returns and planning; management may need sustained revenue or margin improvements to restore prior ROE levels over months.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability / margins
Sustained, very high net and operating margins indicate durable earnings power relative to peers. High margins support internal capital generation, allow reinvestment in lending and services, and provide a buffer through interest-rate and credit cycles, underpinning long-term profitability.
Read all positive factors
International Bancshares (IBOC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$4.47B
Dividend Yield2.03%
Average Volume (3M)234.86K
Price to Earnings (P/E)10.3
Beta (1Y)0.85
Revenue Growth2.00%
EPS Growth2.22%
CountryUS
Employees2,103
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.70
Shares Outstanding62,181,244
10 Day Avg. Volume223,663
30 Day Avg. Volume234,862
Financial Highlights & Ratios
PEG Ratio13.21
Price to Book (P/B)1.27
Price to Sales (P/S)3.93
P/FCF Ratio8.75
Enterprise Value/Market Cap1.04
Enterprise Value/Revenue4.39
Enterprise Value/Gross Profit5.57
Enterprise Value/Ebitda8.44
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)6.74
Revenue Forecast (FY)N/A
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...
How the Company Makes Money
IBOC makes money primarily through traditional bank revenue streams generated by its banking subsidiary. The largest contributor is typically net interest income: the bank earns interest and fees on loans and other interest-earning assets (such as...
International Bancshares Financial Statement Overview
Summary
Income Statement
88
Very Positive
Balance Sheet
78
Positive
Cash Flow
72
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 | 838.00M | 824.69M | 801.84M | 798.87M | 653.11M | 585.64M |
| EBITDA | 552.54M | 543.71M | 531.24M | 545.46M | 404.46M | 347.36M |
| Net Income | 417.59M | 412.29M | 409.17M | 411.77M | 300.23M | 253.92M |
Balance Sheet | ||||||
| Total Assets | 16.83B | 16.68B | 15.74B | 15.07B | 15.50B | 16.05B |
| Cash, Cash Equivalents and Short-Term Investments | 585.94M | 536.49M | 5.34B | 5.47B | 6.51B | 7.42B |
| Total Debt | 724.00M | 704.74M | 654.73M | 650.03M | 576.78M | 1.01B |
| Total Liabilities | 13.54B | 13.43B | 12.94B | 12.62B | 13.46B | 13.74B |
| Stockholders Equity | 3.29B | 3.25B | 2.80B | 2.45B | 2.04B | 2.31B |
Cash Flow | ||||||
| Free Cash Flow | 455.89M | 472.94M | 459.80M | 446.94M | 368.73M | 281.29M |
| Operating Cash Flow | 471.32M | 491.06M | 473.95M | 474.43M | 387.94M | 291.68M |
| Investing Cash Flow | -548.16M | -591.69M | -985.06M | -1.07B | -992.03M | -915.89M |
| Financing Cash Flow | 73.32M | 284.47M | 212.71M | -843.89M | -517.43M | 1.84B |
International Bancshares Technical Analysis
Positive
70.08
Price Trends
70.35
Positive
69.83
Positive
68.88
Positive
Market Momentum
0.39
Positive
56.31
Neutral
61.61
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 below the 20-day moving average (MA) of 72.04, below the 50-day MA of 70.35, and above the 200-day MA of 68.88, indicating a bullish trend. The MACD of 0.39 indicates Positive momentum. The RSI at 56.31 is Neutral, neither overbought nor oversold. The STOCH value of 61.61 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $4.32B | 14.47 | 9.93% | ― | 3.26% | 329.26% | |
76 Outperform | $4.47B | 10.29 | 13.16% | 2.03% | 2.00% | 2.22% | |
76 Outperform | $3.98B | 11.25 | 9.41% | 3.02% | 4.20% | 29.58% | |
75 Outperform | $4.65B | 8.92 | 10.04% | 3.51% | 16.97% | 234.25% | |
72 Outperform | $3.74B | 14.45 | 13.62% | 1.70% | 4.32% | 10.56% | |
71 Outperform | $4.24B | 12.00 | 16.32% | 1.82% | 2.58% | 23.10% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
IBOC
International Bancshares
72.78
11.38
18.53%
ASB
Associated Banc-Corp
28.01
5.84
26.35%
BANF
BancFirst
111.31
-9.52
-7.88%
TCBI
Texas Capital Bancshares
99.39
27.95
39.12%
UCB
United Community Banks
33.22
5.77
21.04%
SFBS
ServisFirst Bancshares
77.41
5.79
8.08%
International Bancshares Corporate Events
Executive/Board ChangesShareholder Meetings
International Bancshares Shareholders Back Directors and Governance Measures
Positive
May 20, 2026
On May 18, 2026, International Bancshares Corporation held its 2026 Annual Meeting of Shareholders, where investors voted on the election of eight directors, the ratification of RSM US LLP as independent auditor for the fiscal year ending December...
Business Operations and StrategyRegulatory Filings and Compliance
International Bancshares Expands Shareholder Rights Through Bylaw Changes
Positive
May 12, 2026
On May 12, 2026, International Bancshares Corporation’s board approved the Third Amended and Restated By-Laws, removing a prior requirement that only shareholders or groups holding at least three percent of outstanding common stock could ini...
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.