IBOC

NEUTRAL

$71.68 Live

International Bancshares Corporation · NASDAQ

Target $87.0 (+21.4%)

$55.57 52W Range $75.44

IBOC International Bancshares Corporation - Fundamental Analysis

NEUTRAL

Console Chart News

IBOC Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$71.68

Analyst Target

$87.0

+21.4% Upside

52W High

$75.44

52W Low

$55.57

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 12, 2026

Market cap

$4.46B

P/E

10.83

ROE

13.6%

Profit margin

49.8%

Debt/Equity

N/A

Dividend yield

1.99%

AI Analysis

AI-powered fundamental assessment

Confidence

80%

IBOC presents a stable but stagnant profile, characterized by a Piotroski F-Score of 4/9, indicating baseline financial health. While the stock is fundamentally undervalued relative to its Graham Number of $88.26 and analyst target of $87.00, it is hampered by negative year-over-year earnings growth (-7.60%) and a bearish technical trend score of 10/100. The company maintains strong profitability margins and a very sustainable dividend payout, but lacks the growth catalysts necessary for a bullish rating.

Key Strengths

Significant undervaluation relative to Graham Number ($88.26)

Strong ROA of 2.55%, which is healthy for the regional banking sector

Very low payout ratio (21.15%), ensuring dividend sustainability

Low P/E ratio (10.83) compared to the sector average of 53.93

Consistent track record of beating quarterly earnings estimates (3/4 last 4 quarters)

Key Risks

Negative year-over-year earnings growth (-7.60%)

Stagnant revenue growth (2.60% YoY)

Bearish technical trend (10/100) suggesting lack of momentum

Low insider sentiment (40/100) with zero recent buy transactions

Low dividend strength score (25/100) due to modest yield

AI Fair Value Estimate

Based on comprehensive analysis

$78.5

+9.5% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Undervalued Value Trap Risk

Key drivers: Low P/E and P/B ratios, Negative earnings growth, Strong asset quality (ROA), Bearish technicals

Confidence

85%

Value

88/100

Ref P/E 10.83, Graham Number $88.26

Positives

Price is well below Graham Number
P/E is significantly lower than sector average

Watchpoints

Price is above growth-based intrinsic value ($46.34)

Future

35/100

Ref Growth rates: Earnings -7.60%, Revenue 2.60%

Positives

Positive Q/Q revenue growth (4.54%)

Watchpoints

Negative YoY earnings growth
Slow overall revenue expansion

Past

75/100

Ref Historical price trends and earnings beats

Positives

Strong 5-year price change (+73.8%)
Consistent earnings surprise history

Watchpoints

Recent dip in earnings growth

Health

50/100

Ref Piotroski F-Score 4/9

Positives

Piotroski score in the 'Stable' range

Watchpoints

F-Score of 4/9 is mediocre, not strong

Dividend

60/100

Ref Yield 1.99%, Payout 21.15%

Positives

Very low payout ratio (21.15%)

Watchpoints

Low dividend yield (1.99%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$71.68

Analyst Target

$87.0

Upside/Downside

+21.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for IBOC and closest competitors.

Updated 2026-04-10

Company	5Y	3Y	1Y	6M	1M	1W
IBOC International Bancshares Corporation Primary	+73.8%	+78.8%	+28.3%	+10.1%	+6.9%	+5.8%
BBAR Banco BBVA Argentina S.A. Peer	+853.0%	+421.2%	-15.4%	+22.0%	+6.0%	+9.6%
ASB Associated Banc-Corp Peer	+67.4%	+34.5%	+8.3%	+5.1%	-0.4%	-0.4%
AB AllianceBernstein Holding L.P. Peer	+61.4%	+31.7%	+5.9%	-5.4%	-0.1%	-3.0%
BGC BGC Group, Inc. Peer	+140.9%	+117.3%	-6.3%	-9.0%	-1.8%	-1.4%

IBO

International Bancshares Corporation

Primary

+73.8%

+78.8%

+28.3%

+10.1%

+6.9%

+5.8%

BBA

Banco BBVA Argentina S.A.

Peer

+853.0%

+421.2%

-15.4%

+22.0%

+6.0%

+9.6%

ASB

Associated Banc-Corp

Peer

+67.4%

+34.5%

+8.3%

+5.1%

-0.4%

AllianceBernstein Holding L.P.

Peer

+61.4%

+31.7%

+5.9%

-5.4%

-0.1%

-3.0%

BGC

BGC Group, Inc.

Peer

+140.9%

+117.3%

-6.3%

-9.0%

-1.8%

-1.4%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

10.83

N/A

1.37

5.39

5.59

N/A

$4.46B

Profitability

Profit margins and return metrics

Profit Margin 49.85%

Operating Margin 65.08%

Gross Margin N/A

ROE 13.63%

ROA 2.55%

Growth

Revenue and earnings growth rates

Revenue Growth +2.6%

Earnings Growth -7.6%

Q/Q Revenue Growth +4.54%

Q/Q Earnings Growth -7.1%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$8.63

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.2B

Net Margin

49.1%

Total Assets

$16.6B

Liabilities

$13.3B

Equity

$3.3B

Debt/Equity

4.10x

Operating CF

$0.1B

CapEx

$-0.0B

Free Cash Flow

$0.1B

FCF Yield

97%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-04

$N/A

2026-02-26

$1.71

+4.9% surprise

2013-08-05

$0.43

+11.0% surprise

2013-05-09

$0.53

+42.4% surprise

Financial Services Sector Comparison

Comparing IBOC against 362 companies in the Financial Services sector (63 bullish, 158 neutral, 141 bearish)

P/E Ratio

10.83

This Stock

52.08

Sector Avg

-79.2% (Discount)

Return on Equity (ROE)

13.63%

This Stock

-0.05%

Sector Avg

-26180.5% (Below Avg)

Profit Margin

49.85%

This Stock

66.07%

Sector Avg

-24.5% (Weaker)

Revenue Growth

2.6%

This Stock

43.38%

Sector Avg

-94.0% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
IBOC International Bancshares...	NEUTRAL	$4.46B	10.83	13.6%	49.8%	$71.68
BBAR Banco BBVA Argentina S.A.	BEARISH	$4.46B	30.28	7.2%	8.5%	$19.38	Compare
ASB Associated Banc-Corp	NEUTRAL	$4.39B	31.86	3.8%	16.0%	$26.44	Compare
AB AllianceBernstein Holding L.P.	BEARISH	$4.31B	13.16	19.8%	-%	$38.96	Compare
BGC BGC Group, Inc.	NEUTRAL	$4.23B	27.84	14.6%	6.3%	$8.91	Compare

IBOC International...

NEUTRAL

Mkt Cap

$4.5B

P/E

10.8

ROE

13.6%

Price

$71.68

Compare with IBOC

ASB Associated Banc-Corp

Compare with IBOC

AB AllianceBernste...

Compare with IBOC

Compare with IBOC

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-02-06	WAWROSKI JUDITH I	Officer and Treasurer	Option Exercise	1,175	$38,564

WAWROSKI JUDITH I

Officer and Treasurer

Option Exercise

2026-02-06

1,175 shares · $38,564

Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

NONE

1 analysts

Freedom Broker

2026-03-06

Maintains

Buy Buy

Freedom Broker

2025-12-31

init

Buy

Past News Coverage

Recent headlines mentioning IBOC from our newsroom.

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IBOC

IBOC International Bancshares Corporation - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

Wall Street Analysts

Past News Coverage

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