International Bancshares Corporation
IBOC · Price history
Price at last available close
$66.78
−$2.75 (-3.96%) 1M
2026-10-26
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Company & revenue
About International Bancshares Corporation
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
International Bancshares Corporation (IBC), functioning as a financial holding company, delivers a comprehensive array of commercial and retail banking services. The institution facilitates checking and savings deposits and extends various loan products, including financing for commercial ventures, real estate, personal needs, home improvements, automobiles, and other installment or term-based credit. Moreover, IBC specializes in international banking, offering services such as letters of credit, commercial and industrial lending, and foreign currency exchange.
How they make money
International Bancshares Corporation operates as a financial holding company that generates revenue primarily through net interest income earned on its loan and investment portfolios. It also earns non-interest income through service charges on deposit accounts, international banking services, and other financial fees provided by its five subsidiary banks.
Products & services
The company provides a range of commercial and retail banking services, including deposit accounts, commercial and industrial loans, real estate loans, letters of credit, foreign-exchange services, and ATM services.
Brands & revenue mix
The primary banking brand under which the company operates its subsidiary banks.
Separate brand revenue is not available in this research.Source
A subsidiary banking brand operating in Laredo, Texas.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Technology and Data Processing Service Providers — The company relies on third-party vendors for core banking software, data processing, and information technology infrastructure services. Specific supplier names are not disclosed.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
63
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
63
Fair
Financial Strength
43
Business Quality / Moat
83
Management
90
Growth Quality
32
Risk / Durability
69
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
68
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
64/100
Building Historical Record
Model Score 64/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •M&A headline · Aug 25, 2026
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for IBOC
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can IBOC maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is IBOC's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does IBOC's balance between cash and debt leave enough flexibility if business conditions weaken?
- •Is IBOC's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
63
Opportunity Score
68
Market Cap
$4.11B
P/E Ratio
10.3
EPS
$6.63
52-Week High
$78.46
52-Week Low
$63.20
Beta
0.68
Intrinsic Value
$240.76
Analyst Target
$85.00
Shares Outstanding
62.3M
Total Revenue
$1.06B
Total Debt
$731.0M
Dividend Yield (TTM)
2.21%
Liquidation Value / Share
$54.22
Dividend / Share (TTM)
$1.46
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for IBOC
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
M&A headline · Aug 25, 2026
7,048,194 Shares in International Bancshares Corporation $IBOC Acquired by BlackRock Inc. — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Defense WorldCommunity Sentiment
0 active · 0 total callsNo personal call yet on IBOC.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strong presence in Texas and Oklahoma markets.
- +Active involvement in international trade banking along the U.S.-Mexico border.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate fluctuations affecting net interest margin.
- −Credit risk associated with loan portfolios.
- −Economic conditions in the U.S. and Mexico.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
60
Aug 14, 2026
Change
+2.6
points
Current Score
63
Oct 1, 2026
Category Changes
IBOC increased 2.6 points because Valuation improved by 14.6 points.
Positive Contributors
- + Valuation improved by 14.6 points
Projected Score
Projected Score
60
Projected Change
-2.4 points
Preliminary comparable-period financial changes suggest decline of approximately 2.4 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $6.63 · Growth assumption: 4.2% · Earnings multiplier: 16.9×.
Current Price
$66.01
Model Intrinsic Value
$240.76
Difference
−$174.75
-72.6% vs IV
Margin of Safety
72.6%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.06B | $1.05B | $1.04B | $970.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $226.7M | $228.9M | $241.1M | $171.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $837.9M | $824.7M | $801.8M | $798.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $181.7M | $188.4M | $159.1M | $145.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $314.2M | $304.3M | $293.1M | $275.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $548.4M | $543.7M | $531.2M | $545.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $523.8M | $520.4M | $508.7M | $523.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $205.2M | $213.9M | $209.3M | $136.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $523.8M | $520.4M | $508.7M | $523.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $110.5M | $108.1M | $99.6M | $111.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $413.3M | $412.3M | $409.2M | $411.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $6.63 | $6.62 | $6.58 | $6.63 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 62.18M | 62.26M | 62.18M | 62.08M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 62.26M | 62.26M | 62.30M | 62.22M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$264.1M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$1.54
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-6.9%
Cash Change
-38.4%
Margin Change
-2.0 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Debt reduced
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, debt levels. Pressure indicators included EPS growth, cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 1.0%. EPS declined 4.3%. Cash declined 38.4%. Total debt declined 6.9%. Net income margin declined by 2.0 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalNews
Engineers Gate Manager LP Boosts Stake in International Bancshares Corporation $IBOC
7,048,194 Shares in International Bancshares Corporation $IBOC Acquired by BlackRock Inc.
IBC Reports Strong Earnings for the First Six Months of 2026
International Bancshares Corporation Announces Cash Dividend
Rumor Mill · IBOC
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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