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International Bancshares Corporation IBOC R2K

Financial Services · Banks - Regional · United States
https://www.ibc.com
Company Profile ↓
$75.22
+9.24% 1Y
Mkt Cap$4.68B
P/E11.23
P/B1.45
Div. Yield1.87%
52W High$77.82
52W Low$62.78
Book Value$52.88
EPS (TTM)$6.70

Company 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.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 11.2, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 49.9%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +5.4%, earnings +5.3%.
  • 5-Year Trend Long-term compounding — profit CAGR 6.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:5.40%

Compounded Profit Growth

5 Years:6.92%
1 Year:5.30%

Stock Price Performance

1 Year:+9.24%
6 Months:+8.77%
3 Months:+3.98%
1 Month:-0.59%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 83% of range
$62.78 $77.82
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)50.78 · Neutral
Price Performance
1M-0.59%
3M+3.98%
6M+8.77%
1Y+9.24%
Valuation vs Sector

P/E of 11.23 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 49.9%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
11.23
Industry PE
13.30
Forward P/E est.
10.66
PEG Ratio
0.98
Book Value
$52.88
Price to Book
1.45
P/S
5.68
EV/EBITDA
-
Dividend Yield
1.87%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
6.92%
Revenue (YoY)
5.40%
Earnings (YoY)
5.30%

Profitability & Returns

ROCE
-
ROE
13.51%
ROA
2.52%
Profit Margin
49.85%
Op Margin
63.95%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.64
EPS (TTM)
$6.70

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$724.00M
Total Assets
$16.83B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
13.09%
Chg in Prom Hold
-
FII / Inst Holding
72.03%
Chg in FII Hold
-0.02%

Financial Snapshot

Enterprise Value
$4.68B
Total Revenue (TTM)
$837.62M
EBITDA
-
Free Cash Flow
$472.94M
Operating Cash Flow
$471.32M
Shares Outstanding
62.18M
Gross Margin
0.00%
Payout Ratio
21.34%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 IBOC International Bancshares Corporation R2K 75.22 11.23 $4.68B 1.87% - 13.51% - 6.92%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2013Mar 2014Jun 2014Sep 2014Dec 2014Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 31.83M43.65M37.72M33.23M-35.86M33.88M32.02M-32.98M29.69M35.79M32.00M40.57M39.63M53.42M52.89M51.09M51.91M50.02M51.44M34.84M41.51M42.74M50.77M92.03M54.60M53.49M57.97M83.36M101.64M100.48M103.26M97.33M96.98M99.77M96.89M100.14M108.38M102.19M
Diluted EPS 0.470.650.560.500.570.540.510.480.520.500.450.540.480.610.590.800.790.770.790.760.780.530.650.670.801.450.860.840.921.341.631.621.661.561.561.601.561.611.741.64

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 132.11M142.74M130.02M127.15M107.83M126.35M153.15M136.73M133.93M157.44M215.93M205.10M167.32M253.92M300.23M411.77M409.17M412.29M
Diluted EPS 1.921.901.721.691.391.882.282.052.022.363.243.122.624.004.786.626.576.62

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --11.76B11.94B11.74B11.88B12.08B12.20B11.77B11.80B12.18B11.87B12.11B14.03B16.05B15.50B15.07B15.74B16.58B
Total Equity 935.90M1.26B1.41B1.46B1.60B1.44B1.42B1.58B1.67B1.72B1.84B1.94B2.12B2.18B2.31B2.04B2.45B2.80B3.25B
Cash & Equivalents 346.05M298.72M224.64M197.81M261.88M283.10M255.15M255.15M273.05M269.20M265.36M316.80M256.82M2.00B3.21B2.09B651.06M352.65M536.49M
Total Liabilities --10.36B10.48B10.14B10.45B10.66B10.62B10.11B10.08B10.35B9.93B9.99B11.85B13.74B13.46B12.62B12.94B13.32B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 154.10M141.77M127.22M----203.65M203.22M196.82M229.85M311.56M305.13M291.68M387.94M474.43M473.95M491.06M
Investing Cash Flow -1.25B679.15M-204.51M----373.23M-137.76M-403.81M379.44M-318.06M-343.70M-915.89M-992.03M-1.07B-985.06M-591.69M
Financing Cash Flow 1.05B-895.00M50.46M-----558.97M-69.31M203.15M-557.85M-53.48M1.78B1.84B-517.43M-843.89M212.71M284.47M
Capital Expenditure -68.54M-61.02M-15.95M-20.39M-62.03M-50.02M-50.36M-19.83M-38.86M-14.31M-21.39M-29.59M-6.72M-10.39M-19.21M-27.50M-14.15M-18.12M
Free Cash Flow 85.57M80.75M111.27M----183.82M164.36M182.50M208.45M281.98M298.41M281.29M368.73M446.94M459.80M472.94M
Share Buybacks 1.08M9.35M6.95M6.43M1.72M-18.92M6.68M7.97M187.00K19.04M17.84M48.88M716.00K52.05M4.61M963.00K4.61M

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % ------------------
Net Margin % ------------------
ROE % 10.5%10.1%8.9%7.9%7.5%8.9%9.7%8.2%7.8%8.6%11.1%9.7%7.7%11.0%14.7%16.8%14.6%12.7%
ROCE % ------------------

Shareholding Pattern

Insiders
13.09%
Institutions
72.03%
Public Float
82.87%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 10.69% 6.65M $502.44M
2 Vanguard Portfolio Management LLC 5.47% 3.40M $257.20M
3 American Century Companies Inc 5.19% 3.23M $244.11M
4 Dimensional Fund Advisors LP 5.13% 3.19M $240.96M
5 State Street Corporation 4.22% 2.62M $198.47M
6 Vanguard Capital Management LLC 3.98% 2.47M $187.10M
7 Geode Capital Management, LLC 2.40% 1.49M $112.73M
8 Azora Capital Lp 2.11% 1.31M $99.25M
9 T. Rowe Price Investment Management, Inc. 1.87% 1.16M $87.90M
10 First Trust Advisors LP 1.83% 1.14M $86.01M

Analyst View

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Latest News

Recent headlines for IBOC

Google News Sat, 04 Jul 2026

International Bancshares (IBOC) Draws Valuation Attention, Is The Stock Still Cheap? - simplywall.st

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Google News Wed, 08 Jul 2026

Why (IBOC) Price Action Is Critical for Tactical Trading - Stock Traders Daily

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Google News hu, 07 May 2026

IBC Reports Strong Earnings for the First Quarter of 2026 - Business Wire

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Google News hu, 02 Jul 2026

IBOC - International Bancshares Corp Latest SEC Filings - Finviz

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Google News ue, 16 Jun 2026

International Bancshares: I'm Not Spooked By The Soured Loans (NASDAQ:IBOC) - Seeking Alpha

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Google News Wed, 08 Jul 2026

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IBOC — Frequently Asked Questions

What is the current share price of International Bancshares Corporation (IBOC)?

As of 2026-07-14 21:23 PDT, International Bancshares Corporation (IBOC) trades at $75.22 on NasdaqGS. Its 52-week range is $62.78 to $77.82.

What is the market capitalisation of IBOC?

International Bancshares Corporation (IBOC) has a market capitalisation of $4.68B on NasdaqGS.

What is the P/E ratio of IBOC?

IBOC trades at a trailing price-to-earnings (P/E) ratio of 11.23. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.45.

Does IBOC pay a dividend?

International Bancshares Corporation (IBOC) currently offers a dividend yield of 1.87%.

What is the return on equity (ROE) of IBOC?

IBOC has a return on equity (ROE) of 13.51%.

Is IBOC a good stock to buy?

This page provides a data-driven analysis of International Bancshares Corporation (IBOC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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