(IBOC) International Bancshares - Overview
Stock: Deposits, Loans, International Services, Digital Banking, Securities
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.11% |
| Yield on Cost 5y | 3.80% |
| Yield CAGR 5y | 5.04% |
| Payout Consistency | 95.0% |
| Payout Ratio | 20.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 27.9% |
| Relative Tail Risk | -10.1% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.41 |
| Alpha | -0.42 |
| Character TTM | |
|---|---|
| Beta | 0.804 |
| Beta Downside | 0.850 |
| Drawdowns 3y | |
|---|---|
| Max DD | 24.09% |
| CAGR/Max DD | 0.84 |
Description: IBOC International Bancshares January 10, 2026
International Bancshares Corporation (NASDAQ:IBOC) is a Texas-based multibank holding company that delivers commercial and retail banking services across Texas and Oklahoma. Its product suite includes checking and savings accounts, a broad array of installment and term loans (commercial, real-estate, auto, home-improvement), and ancillary services such as credit cards, safety-deposit boxes, escrow, and both internet and mobile banking. The bank also offers international banking capabilities-letters of credit, C&I loans, and foreign-exchange-through its network of ATMs and retail branches located in shopping centers and other high-traffic venues. Founded in 1966, IBOC is headquartered in Laredo, Texas, and operates under the “Regional Banks” sub-industry of the GICS classification.
Key recent metrics (Q4 2023): total assets of roughly $9.2 billion, a net interest margin of ~3.5 %, and a return on assets (ROA) of 0.85 %-both modestly above the regional-bank median, reflecting a relatively efficient balance-sheet. Loan growth has been driven primarily by commercial real-estate exposure, which rose 5 % YoY, while the loan-to-deposit ratio sits near 78 %, indicating a conservative funding profile. The Texas economy’s strong job-creation trend (+2.1 % annualized in 2023) and the state’s ongoing population influx are macro drivers that support deposit inflows and demand for credit in IBOC’s core markets.
For a deeper dive into IBOC’s valuation dynamics and how its risk-adjusted returns compare within the regional-bank space, you might explore the analytical tools available on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 420.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -0.20 > 1.0 |
| NWC/Revenue: -725.1% < 20% (prev -669.9%; Δ -55.16% < -1%) |
| CFO/TA 0.03 > 3% & CFO 466.0m > Net Income 420.5m |
| Net Debt (194.3m) to EBITDA (539.6m): 0.36 < 3 |
| Current Ratio: 0.42 > 1.5 & < 3 |
| Outstanding Shares: last quarter (62.2m) vs 12m ago -0.10% < -2% |
| Gross Margin: 78.35% > 18% (prev 0.77%; Δ 7758 % > 0.5%) |
| Asset Turnover: 6.47% > 50% (prev 6.52%; Δ -0.06% > 0%) |
| Interest Coverage Ratio: 2.39 > 6 (EBITDA TTM 539.6m / Interest Expense TTM 216.1m) |
Altman Z'' -1.83
| A: -0.46 (Total Current Assets 5.52b - Total Current Liabilities 13.12b) / Total Assets 16.55b |
| B: 0.22 (Retained Earnings 3.57b / Total Assets 16.55b) |
| C: 0.03 (EBIT TTM 517.2m / Avg Total Assets 16.22b) |
| D: 0.25 (Book Value of Equity 3.41b / Total Liabilities 13.42b) |
| Altman-Z'' Score: -1.83 = D |
Beneish M -2.96
| DSRI: 1.05 (Receivables 77.5m/72.9m, Revenue 1.05b/1.04b) |
| GMI: 0.98 (GM 78.35% / 77.14%) |
| AQI: 1.06 (AQ_t 0.64 / AQ_t-1 0.60) |
| SGI: 1.01 (Revenue 1.05b / 1.04b) |
| TATA: -0.00 (NI 420.5m - CFO 466.0m) / TA 16.55b) |
| Beneish M-Score: -2.96 (Cap -4..+1) = A |
What is the price of IBOC shares?
Over the past week, the price has changed by +7.09%, over one month by +8.48%, over three months by +10.80% and over the past year by +12.13%.
Is IBOC a buy, sell or hold?
What are the forecasts/targets for the IBOC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 85 | 14% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 87.9 | 17.9% |
IBOC Fundamental Data Overview February 03, 2026
P/S = 5.2684
P/B = 1.3849
Revenue TTM = 1.05b USD
EBIT TTM = 517.2m USD
EBITDA TTM = 539.6m USD
Long Term Debt = 119.3m USD (from longTermDebt, last quarter)
Short Term Debt = 664.4m USD (from shortTermDebt, last quarter)
Debt = 783.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 194.3m USD (from netDebt column, last quarter)
Enterprise Value = -413.5m USD (4.24b + Debt 783.6m - CCE 5.44b)
Interest Coverage Ratio = 2.39 (Ebit TTM 517.2m / Interest Expense TTM 216.1m)
EV/FCF = -0.91x (Enterprise Value -413.5m / FCF TTM 453.5m)
FCF Yield = -109.7% (FCF TTM 453.5m / Enterprise Value -413.5m)
FCF Margin = 43.24% (FCF TTM 453.5m / Revenue TTM 1.05b)
Net Margin = 40.09% (Net Income TTM 420.5m / Revenue TTM 1.05b)
Gross Margin = 78.35% ((Revenue TTM 1.05b - Cost of Revenue TTM 227.1m) / Revenue TTM)
Gross Margin QoQ = 79.32% (prev 77.88%)
Tobins Q-Ratio = -0.02 (set to none) (Enterprise Value -413.5m / Total Assets 16.55b)
Interest Expense / Debt = 6.96% (Interest Expense 54.5m / Debt 783.6m)
Taxrate = 20.60% (28.1m / 136.5m)
NOPAT = 410.7m (EBIT 517.2m * (1 - 20.60%))
Current Ratio = 0.42 (Total Current Assets 5.52b / Total Current Liabilities 13.12b)
Debt / Equity = 0.25 (Debt 783.6m / totalStockholderEquity, last quarter 3.13b)
Debt / EBITDA = 0.36 (Net Debt 194.3m / EBITDA 539.6m)
Debt / FCF = 0.43 (Net Debt 194.3m / FCF TTM 453.5m)
Total Stockholder Equity = 2.96b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.59% (Net Income 420.5m / Total Assets 16.55b)
RoE = 14.20% (Net Income TTM 420.5m / Total Stockholder Equity 2.96b)
RoCE = 16.79% (EBIT 517.2m / Capital Employed (Equity 2.96b + L.T.Debt 119.3m))
RoIC = 13.26% (NOPAT 410.7m / Invested Capital 3.10b)
WACC = 8.36% (E(4.24b)/V(5.02b) * Re(8.88%) + D(783.6m)/V(5.02b) * Rd(6.96%) * (1-Tc(0.21)))
Discount Rate = 8.88% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.02%
[DCF Debug] Terminal Value 78.07% ; FCFF base≈459.1m ; Y1≈500.6m ; Y5≈630.2m
Fair Price DCF = 160.8 (EV 10.19b - Net Debt 194.3m = Equity 9.99b / Shares 62.2m; r=8.36% [WACC]; 5y FCF grow 10.30% → 2.90% )
EPS Correlation: 73.14 | EPS CAGR: 19.60% | SUE: N/A | # QB: 0
Revenue Correlation: 85.13 | Revenue CAGR: 18.99% | SUE: N/A | # QB: 0
EPS next Year (2026-12-31): EPS=6.74 | Chg30d=N/A | Revisions Net=+0 | Growth EPS=+3.1% | Growth Revenue=+0.0%