IBOC Stock Analysis: International Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 4.368m USD | 12M Return: 3% | US4590441030 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 24.8M
EPS Trend: 52.8%
Rev. Trend: 89.2%
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
International Bancshares Corporation (IBOC) is a multibank financial holding company headquartered in Laredo, Texas, providing commercial and retail banking services across Texas and Oklahoma. The multibank holding structure, which involves operating multiple separately chartered banks under a single corporate parent, is a common model among U.S. regional banks seeking to maintain community-oriented lending while consolidating back-office operations and regulatory oversight.
The companys core offerings include checking and savings deposits, along with a diversified loan portfolio spanning commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It also provides international banking services such as letters of credit, commercial and industrial loans, and foreign exchange, reflecting its position along the U.S.-Mexico border corridor in Laredo. As a regional bank, IBOCs loan book is primarily relationship-driven and locally underwritten, in contrast to the capital-markets-based lending typical of money-center banks.
Beyond traditional banking, IBOC offers credit cards, safety deposit boxes, escrow services, drive-up and walk-up facilities, internet and mobile banking, and third-party securities products. Distribution is conducted through an ATM network and retail locations including shopping malls. Founded in 1966 and listed on NASDAQ since 1996, IBOC operates as a mid-cap regional bank within the Financials sector.
- Net interest margin expands on sustained elevated interest rates
- Texas commercial real estate and energy loan portfolio drives earnings
- Laredo border bank volumes benefit from Mexico cross-border trade activity
| Net Income: 413.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -0.08 > 1.0 |
| NWC/Revenue: -7.80% < 20% (prev -1.18k%; Δ 1.17k% < -1%) |
| CFO/TA 0.03 > 3% & CFO 470.1m > Net Income 413.3m |
| Net Debt (279.9m) to EBITDA (548.4m): 0.51 < 3 |
| Current Ratio: 0.86 > 1.5 & < 3 |
| Outstanding Shares: last quarter (62.3m) vs 12m ago 0.04% < -2% |
| Gross Margin: 78.70% > 18% (prev 77.56%; Δ 1.15% > 0.5%) |
| Asset Turnover: 6.36% > 50% (prev 6.33%; Δ 0.03% > 0%) |
| Interest Coverage Ratio: 2.55 > 6 (EBIT TTM 523.8m / Interest Expense TTM 205.2m) |
| A: -0.00 (Total Current Assets 528.9m - Total Current Liabilities 611.9m) / Total Assets 17.0b |
| B: 0.23 (Retained Earnings 3.83b / Total Assets 17.0b) |
| C: 0.03 (EBIT TTM 523.8m / Avg Total Assets 16.7b) |
| D: 0.25 (Book Value of Equity 3.38b / Total Liabilities 13.6b) |
| Altman-Z'' = 1.17 = BB |
| DSRI: 1.02 (Receivables 77.7m/74.8m, Revenue 1.06b/1.04b) |
| GMI: 0.99 (GM 77.56% / 78.70%) |
| AQI: 1.02 (AQ_t 0.94 / AQ_t-1 0.92) |
| SGI: 1.02 (Revenue 1.06b / 1.04b) |
| TATA: -0.00 (NI 413.3m - CFO 470.1m) / TA 17.0b) |
| Beneish M = -3.00 (Cap -4..+1) = A |
As of September 27, 2026, the stock is trading at USD 69.94 with a total of 344,914 shares traded. Over the past week, the price has changed by -0.43%, over one month by -1.23%, over three months by -8.38% and over the past year by +3.01%.
Current recommended Stop Loss: 68.50 (which is 2.1% or 1.3 ATR below the current price).
International Bancshares has no consensus analysts rating.
P/E Trailing = 10.5783
P/E Forward = 9.8135
P/S = 5.2155
P/B = 1.2944
P/EG = 0.9812
Revenue TTM = 1.06b USD
EBIT TTM = 523.8m USD
EBITDA TTM = 548.4m USD
Long Term Debt = 119.1m USD (from longTermDebt, last quarter)
Short Term Debt = 611.9m USD (from shortTermDebt, last quarter)
Debt = 731.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 279.9m USD (calculated: Debt 731.0m - CCE 451.2m)
Enterprise Value = 4.65b USD (4.37b + Debt 731.0m - CCE 451.2m)
Interest Coverage Ratio = 2.55 (Ebit TTM 523.8m / Interest Expense TTM 205.2m)
EV/FCF = 10.26x (Enterprise Value 4.65b / FCF TTM 452.8m)
FCF Yield = 9.74% (FCF TTM 452.8m / Enterprise Value 4.65b)
FCF Margin = 42.53% (FCF TTM 452.8m / Revenue TTM 1.06b)
Net Margin = 38.81% (Net Income TTM 413.3m / Revenue TTM 1.06b)
Gross Margin = 78.70% ((Revenue TTM 1.06b - Cost of Revenue TTM 226.7m) / Revenue TTM)
Gross Margin QoQ = 77.13% (prev 79.79%)
Tobins Q-Ratio = 0.27 (Enterprise Value 4.65b / Total Assets 17.0b)
Interest Expense / Debt = 28.08% (Interest Expense 205.2m / Debt 731.0m)
Taxrate = 21.10% (110.5m / 523.8m)
NOPAT = 413.3m (EBIT 523.8m * (1 - 21.10%))
Current Ratio = 0.86 (Total Current Assets 528.9m / Total Current Liabilities 611.9m)
Debt / Equity = 0.22 (Debt 731.0m / totalStockholderEquity, last quarter 3.38b)
Debt / EBITDA = 0.51 (Net Debt 279.9m / EBITDA 548.4m)
Debt / FCF = 0.62 (Net Debt 279.9m / FCF TTM 452.8m)
Total Stockholder Equity = 3.26b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.47% (Net Income 413.3m / Total Assets 17.0b)
RoE = 12.67% (Net Income TTM 413.3m / Total Stockholder Equity 3.26b)
RoCE = 15.50% (EBIT 523.8m / Capital Employed (Equity 3.26b + L.T.Debt 119.1m))
RoIC = 2.44% (NOPAT 413.3m / Invested Capital 17.0b)
WACC = 9.96% (E(4.37b)/V(5.10b) * Re(7.92%) + D(731.0m)/V(5.10b) * Rd(28.08%) * (1-Tc(0.21)))
Discount Rate = 7.92% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -56.84 | Cagr: -0.01%
[DCF] Terminal Value 70.07% ; FCFF base≈452.0m ; Y1≈455.6m ; Y5≈486.2m
[DCF] Fair Price = 90.85 (EV 5.93b - Net Debt 279.9m = Equity 5.65b / Shares 62.2m; r=9.96% [WACC]; 5y FCF grow 0.45% → 2.50% )
EPS Correlation: 52.85 | EPS CAGR: 0.76% | SUE: N/A | # QB: 0
Revenue Correlation: 89.16 | Revenue CAGR: 4.03% | SUE: N/A | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.58 | Chg30d=-4.24% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=6.39 | Chg30d=-1.99% | Revisions=-25% | GrowthEPS=-3.5% | GrowthRev=+0.0%
EPS next Year (2027-12-31): EPS=6.75 | Chg30d=+2.27% | Revisions=+25% | GrowthEPS=+5.6% | GrowthRev=+0.0%