IBOC Stock Analysis: International Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 4.723m USD | 12M Return: 10.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 32.0M
EPS Trend: 66.8%
Rev. Trend: 88.4%
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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: 417.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -0.14 > 1.0 |
| NWC/Revenue: 5.31% < 20% (prev -1.19k%; Δ 1.20k% < -1%) |
| CFO/TA 0.03 > 3% & CFO 471.3m > Net Income 417.6m |
| Net Debt (138.1m) to EBITDA (552.5m): 0.25 < 3 |
| Current Ratio: 1.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (62.2m) vs 12m ago -0.10% < -2% |
| Gross Margin: 78.89% > 18% (prev 77.28%; Δ 1.62% > 0.5%) |
| Asset Turnover: 6.42% > 50% (prev 6.39%; Δ 0.03% > 0%) |
| Interest Coverage Ratio: 2.52 > 6 (EBIT TTM 528.6m / Interest Expense TTM 209.4m) |
| A: 0.00 (Total Current Assets 661.3m - Total Current Liabilities 604.9m) / Total Assets 16.8b |
| B: 0.22 (Retained Earnings 3.74b / Total Assets 16.8b) |
| C: 0.03 (EBIT TTM 528.6m / Avg Total Assets 16.5b) |
| D: 0.24 (Book Value of Equity 3.29b / Total Liabilities 13.5b) |
| Altman-Z'' = 1.22 = BB |
| DSRI: 1.02 (Receivables 75.3m/72.0m, Revenue 1.06b/1.04b) |
| GMI: 0.98 (GM 77.28% / 78.89%) |
| AQI: 1.00 (AQ_t 0.94 / AQ_t-1 0.93) |
| SGI: 1.02 (Revenue 1.06b / 1.04b) |
| TATA: -0.00 (NI 417.6m - CFO 471.3m) / TA 16.8b) |
| Beneish M = -3.01 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 75.98 with a total of 272,942 shares traded. Over the past week, the price has changed by -0.21%, over one month by +3.39%, over three months by +11.36% and over the past year by +10.91%.
Current recommended Stop Loss: 72.20 (which is 5% or 2.6 ATR below the current price).
International Bancshares has no consensus analysts rating.
P/E Trailing = 11.3358
P/E Forward = 9.8135
P/S = 5.6382
P/B = 1.4369
P/EG = 0.9812
Revenue TTM = 1.06b USD
EBIT TTM = 528.6m USD
EBITDA TTM = 552.5m USD
Long Term Debt = 119.1m USD (from longTermDebt, last quarter)
Short Term Debt = 604.9m USD (from shortTermDebt, last quarter)
Debt = 724.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 138.1m USD (calculated: Debt 724.0m - CCE 585.9m)
Enterprise Value = 4.86b USD (4.72b + Debt 724.0m - CCE 585.9m)
Interest Coverage Ratio = 2.52 (Ebit TTM 528.6m / Interest Expense TTM 209.4m)
EV/FCF = 10.66x (Enterprise Value 4.86b / FCF TTM 455.9m)
FCF Yield = 9.38% (FCF TTM 455.9m / Enterprise Value 4.86b)
FCF Margin = 42.92% (FCF TTM 455.9m / Revenue TTM 1.06b)
Net Margin = 39.31% (Net Income TTM 417.6m / Revenue TTM 1.06b)
Gross Margin = 78.89% ((Revenue TTM 1.06b - Cost of Revenue TTM 224.2m) / Revenue TTM)
Gross Margin QoQ = 79.79% (prev 78.59%)
Tobins Q-Ratio = 0.29 (Enterprise Value 4.86b / Total Assets 16.8b)
Interest Expense / Debt = 28.92% (Interest Expense 209.4m / Debt 724.0m)
Taxrate = 21.01% (111.0m / 528.6m)
NOPAT = 417.6m (EBIT 528.6m * (1 - 21.01%))
Current Ratio = 1.09 (Total Current Assets 661.3m / Total Current Liabilities 604.9m)
Debt / Equity = 0.22 (Debt 724.0m / totalStockholderEquity, last quarter 3.29b)
Debt / EBITDA = 0.25 (Net Debt 138.1m / EBITDA 552.5m)
Debt / FCF = 0.30 (Net Debt 138.1m / FCF TTM 455.9m)
Total Stockholder Equity = 3.17b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.52% (Net Income 417.6m / Total Assets 16.8b)
RoE = 13.16% (Net Income TTM 417.6m / Total Stockholder Equity 3.17b)
RoCE = 16.06% (EBIT 528.6m / Capital Employed (Equity 3.17b + L.T.Debt 119.1m))
RoIC = 2.49% (NOPAT 417.6m / Invested Capital 16.8b)
WACC = 10.61% (E(4.72b)/V(5.45b) * Re(8.73%) + D(724.0m)/V(5.45b) * Rd(28.92%) * (1-Tc(0.21)))
Discount Rate = 8.73% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 0.0 | Cagr: 0.03%
[DCF] Terminal Value 67.66% ; FCFF base≈459.2m ; Y1≈454.3m ; Y5≈467.3m
[DCF] Fair Price = 82.60 (EV 5.27b - Net Debt 138.1m = Equity 5.14b / Shares 62.2m; r=10.61% [WACC]; 5y FCF grow -1.75% → 2.50% )
EPS Correlation: 66.76 | EPS CAGR: 1.46% | SUE: N/A | # QB: 0
Revenue Correlation: 88.40 | Revenue CAGR: 5.70% | SUE: N/A | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.61 | Chg30d=-4.17% | Revisions=-25% | Analysts=1
EPS next Quarter (2026-09-30): EPS=1.65 | Chg30d=-1.20% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=6.52 | Chg30d=-3.26% | Revisions=-25% | GrowthEPS=-1.5% | GrowthRev=+0.0%
EPS next Year (2027-12-31): EPS=6.60 | Chg30d=-7.17% | Revisions=-25% | GrowthEPS=+1.2% | GrowthRev=+0.0%