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IBOCInternational Bancshares Corporation
$67.57$4.2B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
IBOC logo

International Bancshares Corporation

IBOC
NASDAQ · Regional Banks
$67.57
At close - Nov 3, 4:00 PM EST - USD
Market Cap$4.2B
P/E10.2x
52W High$78.46
Volume453.1K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Fortress Capital Masks Credit Provision Spike

IBOC's fortress balance sheet, with equity/assets at 0.20 and a 0.22% debt-to-equity ratio, supports a stable low-cost deposit franchise, but net interest income has plateaued near $171M per quarter with NIM flat at 1.0%.

GrowthStable
ProfitabilityStrong
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

IBOC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

1/12 Beats

EPS beat 1 of last 12 quarters

02

Valuation risk

-16% Peers

P/E is 16% below peer median

03

Market leadership

RS 53 · Avg

Average momentum (RS Rating: 53)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Nov 6

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
IBOC+3.28%
S&P 500 (^GSPC)+7.63%
1-Year Return
IBOC+2.56%
S&P 500 (^GSPC)+9.69%
3-Year Return
IBOC+56.33%
S&P 500 (^GSPC)+68.76%
5-Year Return
IBOC+64.01%
S&P 500 (^GSPC)+56.80%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
10.2x
Forward P/E
10.6x
EV/EBITDA100th %ile
10.8x
FCF YieldCash Flow
3.2%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
10.2x
9.6x
80th· High
EV/EBITDA
10.8x
6.2x
100th· High
Price/FCF
30.9x
8.6x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$77.14+14.2%
Base (Fair)$139.80+106.9%
Bull$220.74+226.7%
$77.14 Bear$139.80 Base$220.74 Bull
Current Market Price: $67.57
Trades at a 51.7% discount to Base DCF ($139.80)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$840M+0.7% YoY
Net income FY25
$412M+0.8% YoY
Free cash flow FY25
$473M+2.9% YoY
Operating margin FY25
62%+0.9 pts YoY
ROIC (FY25)10.5%
Avg ROIC 5Y10.6%
ROE (TTM)12.7%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate1/12 (33%)
Revenue Beat Rate0/12 (0%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 6, 2026
$1.54-4.3%
vs $1.61
$264M+0.0%
vs $264M
Q2 2026
May 7, 2026
$1.64-2.4%
vs $1.68
$257M+0.0%
vs $257M
Q1 2026
Feb 26, 2026
$1.71+4.9%
vs $1.63
$271M+0.0%
vs $271M
Q4 2025
Nov 6, 2025
$1.74
vs —
$273M
vs —
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Business Wire·2d ago
IBC Reports Strong Earnings for the First Nine Months of 2026

LAREDO, Texas--(BUSINESS WIRE)--International Bancshares Corporation (TXSE:IBOC) today reported net income for the three months ended Sept. 30, 2026 of $114.5 million.

Defense World·Oct 18, 2026
Dime Community Bancshares (NASDAQ:DCOM) and International Bancshares (NASDAQ:IBOC) Financial Survey

International Bancshares (NASDAQ: IBOC - Get Free Report) and Dime Community Bancshares (NASDAQ: DCOM - Get Free Report) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, dividends, institutional ownership, earnings, analyst recommendations, valuation and risk. Analyst Recommendations This is a breakdown of

Business Wire·Oct 6, 2026
International Bancshares Corporation to Transfer Primary Listing to Texas Stock Exchange

LAREDO, Texas--(BUSINESS WIRE)--International Bancshares Corporation (NASDAQ: IBOC) announced plan to transfer from Nasdaq Stock Market (“Nasdaq”) to Texas Stock Exchange (“TXSE”).

Defense World·Sep 14, 2026
Engineers Gate Manager LP Boosts Stake in International Bancshares Corporation $IBOC

Engineers Gate Manager LP increased its stake in shares of International Bancshares Corporation (NASDAQ: IBOC) by 132.5% during the second quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The fund owned 44,118 shares of the bank's stock after buying an additional 25,142 shares during the

Filtered for International Bancshares CorporationMore Headlines
04

Compare before deciding

Benchmark IBOC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for International Bancshares Corporation (IBOC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
IBOC logoIBOCInternational Bancshares CorporationCurrent
$67.57$4.2B10.210.74%100.94%12.66%2.07%
TCBK logoTCBKTriCo Bancshares
$52.17$1.68B12.026.38%31.92%10.47%2.65%
FFIN logoFFINFirst Financial Bankshares, Inc.
$30.41$4.36B15.0216.23%42.9%15.14%2.43%
CULP logoCULPCulp, Inc.
$3.60$45.59M-11.547.1%-1.93%-7.76%—
SBSI logoSBSISouthside Bancshares, Inc.
$34.08$1.01B10.29-8.07%35.77%11.56%4.21%
BOKF logoBOKFBOK Financial Corporation
$129.48$7.87B11.629.59%29.56%11.21%1.87%

Compare IBOC vs Peers

International Bancshares Corporation (IBOC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs TCBK

Most directly comparable listed peer for IBOC.

Scale Benchmark

vs V

Larger-name benchmark to compare IBOC against a more recognizable public peer.

Peer Set

Compare Top 5

vs TCBK, FFIN, CULP, SBSI

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

IBOC SEC Filings & Documents

International Bancshares Corporation (IBOC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 6, 2026·SEC

Material company update

Aug 3, 2026·SEC

Material company update

May 20, 2026·SEC

10-K Annual Reports

4
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 26, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 6, 2026·SEC

FY 2026

May 7, 2026·SEC

FY 2025

Nov 6, 2025·SEC

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IBOC Frequently Asked Questions

International Bancshares Corporation (IBOC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is International Bancshares Corporation growing?

International Bancshares Corporation (IBOC) revenue fell by 50.1% over the trailing twelve months, compared with the twelve months before.

Is IBOC profitable?

Yes. International Bancshares Corporation (IBOC) earned $419.4M in net income over the trailing twelve months (a 100.9% net margin).

Dividend & Returns
Does IBOC pay dividends?

Yes. International Bancshares Corporation (IBOC) pays a dividend that yields 2.07% at the current price, a moderate yield.

What is IBOC's return on equity?

International Bancshares Corporation (IBOC) had a return on equity (ROE) of 12.7% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics
What is International Bancshares Corporation's net interest margin?

International Bancshares Corporation (IBOC) has a net interest margin (NIM) of 4.0%. This indicates healthy earnings from lending activities.

What is International Bancshares Corporation's efficiency ratio?

International Bancshares Corporation (IBOC) has an efficiency ratio of 36.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in IBOC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →