International Bancshares Corporation (IBOC)
NEUTRALFundamental
70
Price
$71.09
Market Cap
$4.46B
Part 1 · What the company is worth
Overview
International Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It 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, collections, escrow, drive up and walk up facilities, and other customary banking services; and internet and mobile banking services, as well as securities products through third party providers. The company offers its banking services through ATM network and retail locations in shopping malls and other places. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
No editorial profile for this company yet
No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$859M
Trailing 12 months (through 6/30/2026)
Net Income
$413M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$473M
Total Equity
$3.25B
Total Liabilities
$13.32B
Current Ratio
-
Interest Coverage
0.77
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$84.83
Current Price
$71.09
Margin of Safety
+16.2%
Fair Value Range
$58.22 - $111.44
Estimation Methods
Valuation Metrics
P/E Ratio
10.79
ROE
12.7%
P/B Ratio
1.32
P/FCF
9.83
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
9.3%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (16)
- EPS shows upward trend
- EPS CAGR 7.55%
- Price CAGR 5.77%
- P/FCF 9.83
- P/B Ratio 1.32
- Operating Margin 61.0%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 13.2%
- Analyst Consensus 86% Buy
- PEG Ratio 0.53
- Earnings Quality (OCF/NI) 1.14
- Share Dilution 0.0%
- Piotroski F-Score 5/9
Failed (7)
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Fairly valued)
- Revenue Growth 5Y 4.8%
- Earnings Surprise avg -3.9%
- Net Margin Trend 48.1% vs 49.8%
Unavailable (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Dennis Edward Nixon | Chairman of the Board & President | 82 |
| Ms. Judith I. Wawroski | Chief Accounting Officer, CFO & Treasurer | 50 |
| Ms. Rosalinda Ramirez | Executive VP & Corporate Human Resources Director | - |
| Ms. Marisa V. Santos | Corporate Secretary | - |
| Mr. Mike K. Sohn | CEO & President of International Bank of Commerce - San Antonio | - |
| Mr. Derek Schmidt | CEO & President of International Bank of Commerce - Port Lavaca, Bay City | - |
| Mr. Robert B. Barnes | Chairman & CEO International Bank of Commerce - Austin, Texas | - |
| Mr. Hector J. Cerna | CEO & President of International Bank of Commerce - Eagle Pass | - |
| Mr. Ricardo X. Ramirez | President of International Bank of Commerce - Zapata | - |
| Mr. Jeff Samples | Chairman & CEO International Bank of Commerce - Houston, Texas | - |
Audit Risk
6
Board Risk
8
Compensation Risk
5
Shareholder Rights Risk
2
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for IBOC, sourced from Markets Gazette.