IBOC

International Bancshares Corporation

Fundamental data last updated:October 19, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

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 installment and term loans. The company also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. As of February 28, 2022, the company had 170 branch facilities and 263 ATMs serving 76 communities in Texas and Oklahoma. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.

 


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VALUATION

P/E

10.84

Market Cap ($M USD)

$4.50B

Forward P/E

10.10

PEG

1.38

PRICE TO SALES

4.24

PRICE TO BOOK

1.38

EV / EBITDA

8.40

5-Year Average P/E

Free Cash Flow Yield

10.13%

DCF Value

$151.00

Graham Number

$88.92

Price to FCF

9.88

EV to FCF

10.18

Earnings Yield

9.23%

FCF Yield

10.13%

DIVIDEND

Yield

1.97%

Annual Payout

$1.43

Payout Ratio

21.29%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$6.68

Next Year EPS Growth Estimate

$7.17

Next Year Revenue Growth Estimate

$2.11B

Return on Equity (ROE)

13.16%

FREE CASH FLOW

Operating Margin

49.77%

Debt-to-Equity

0.22

Piotroski F-Score

7

Altman Z-Score

0.68

Return on Invested Capital (ROIC)

3.26%

Current Ratio

1.09

Quick Ratio

1.09

Net Debt to EBITDA

0.25

Interest Coverage

2.52

Gross Profit margin

78.89%

FCF PER SHARE

$7.29

REVENUE PER SHARE

$16.99

Analyze IBOC on TradingView

Gainseekers Quantitative Analysis

Summary

IBOC International Bancshares Corporation appears significantly undervalued when juxtaposed with its DCF Value and Graham Number. The stock has traded below its intrinsic value, suggesting a market oversight. With a Forward P/E of 10.22 and an Earnings Yield of 9.12%, the company offers a compelling valuation for growth-oriented investors. However, the Altman Z-score of 0.68 raises red flags about financial distress, indicating potential risks. Despite these concerns, the overall valuation suggests a mispricing opportunity for those willing to navigate the risks.

AI Exposure / Tech Reliance

As a regional bank, IBOC is moderately positioned to adapt to AI and tech shifts. The financial services sector is increasingly leveraging AI for risk management and customer service enhancements. However, the traditional nature of regional banking may slow down rapid tech adoption compared to fintech disruptors.

The Bull Case

For value and GARP investors, IBOC presents a strong case with its robust Return on Equity of 13.16% and a healthy Piotroski F-Score of 7, indicating solid financial health. The Free Cash Flow Yield of 10.47% and a substantial Operating Margin of 49.77% underscore its pricing power and capital efficiency. These metrics paint a picture of a company capable of generating consistent cash flows and delivering shareholder value, making it an attractive buy.

The Bear Case

Despite its strengths, IBOC faces structural risks with a Price/Book ratio of 1.39 and a Price/Sales ratio of 4.29, suggesting it may be overvalued relative to its peers. The proximity to its 52-week high further indicates potential technical overextension. Additionally, the low Altman Z-score signals financial vulnerability, which could be exacerbated by market volatility. Investors should be wary of these risks when considering an entry point.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$85.00

Institutional Ownership %

1-Year Beta

0.71

Insider Buying % (6 Mo)

Distance to 52-Week High

4.18%

Distance to 52-Week Low

15.55%

EARNINGS SURPRISE %

-2.38%

50-DAY SMA

$70.67

200-DAY SMA

$69.41

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.