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Company Analysis

International Bancshares Corpor IBOC

A comprehensive view of key metrics, scores, and financial health for International Bancshares Corpor

Overview of International Bancshares Corporation

IBOC NMS
Financial Services Banks - Regional Mid Cap
International Bancshares Corporation (IBOC), is a Mid Cap company, in the Banks - Regional industry, last closed at $67.48, about 22.9% overvalued vs fair value, +8.1% 1Y return, ranked 360/1004 in sector.
$67.48
0.24%
As of March 13, 2026
Previous close • Vol 90d: 27.1%
52-Week Range
Market Cap
$4.16B
Enterprise Value
$3.74B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.ibc.com
HQ Laredo, TX
Employees 2,103
Fiscal year Dec 31

Next Events

Earnings May 4 Estimated

Fair Value Snapshot

Bear Base Bull
$29
$52
$97
Current: $67.48 -23% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$866.0M
8.2%%
Interest Expense
$209.3M
Net Interest Income
$656.7M
-1%%
Total Revenue
$827.1M
-0.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
14.6%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$91.7M
22.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating International Bancshares Corpor's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
76
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
74
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing IBOC's balance between Growth (12.5%), Profitability (44.1%), and Safety (43.5%). Growth 12% Safety 43% Profitability 44%

Click axes to expand details. Marker shows current allocation.

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Growth

27th percentile vs peers
27
Key Signals
Asset Growth YoY 5.3% 59p Revenue CAGR 3Y 7.0% 17p Rev Growth YoY -0.8% 9p
Strengths
  • Roe in top 20% of peers (15.6%, 91th percentile)
  • Roa in top 20% of peers (2.7%, 98th percentile)
  • Operating Margin in top 20% of peers (70.0%, 98th percentile)
Risks
  • Rev Growth Yoy in bottom 20% of peers (-0.8%)
  • Growth below peer median (percentile: 27)

Profitability

96th percentile vs peers
96
Key Signals
Strengths
Risks
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Safety

95th percentile vs peers
95
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for International Bancshares Corpor.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$52.02
- - -
-22.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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