International Bancshares Corporation (IBOC)

TXSE: IBOC · USD

$66.3

-0.37 (-0.6%)· Recorded snapshot

Market cap	4.1B
Revenue (ttm)	837.6M
Net income (ttm)	413.3M
EPS (ttm)	$6.64
Shares out	62.2M
P/E (trailing)	10.0x
P/E (forward)	10.2x
Dividend	$1.46 (2.20%)
Volume	219,888
Beta	0.70

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 837.6M
Net income (ttm): 413.3M
EPS (ttm): $6.64
P/E (trailing): 10.0x
P/E (forward): 10.2x
Market cap: 4.1B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Mua mạnh
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Mua mạnh
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Giữ

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E10.2

P25 n/aP50 n/aP75 n/a

Trailing P/E10

P25 n/aP50 n/aP75 n/a

ROE12.9

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All IBOC indicators

Market & fundamental data

Available fields

243

Groups with data

Currency

USD

Showing 243 of 243 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000315709
Company name	International Bancshares Corporation
Country	United States
Country code	US
CUSIP number	459044103
Earnings date	2026-11-09
Employees	2,319
Employees change	-17
Employees growth	-0.73%
Enterprise value	$4.4B
Exchange	TXSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1966
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US4590441030
Last 10-K release date	2026-02-26
Last earnings date	2026-08-06
Last refreshed	2026-10-28
Last stock split date	2007-05-17
Last stock split type	Forward
Market cap	$4.1B
Market cap category	Mid-Cap
Next earnings date	2026-11-09
Options	Yes
Price	$66.30
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	IBOC
U.S. state	Texas
Website	https://www.ibc.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	11.72x
Average P/E ratio (3Y)	9.36x
Average P/E ratio (5Y)	9.5x
Earnings yield	10.02%
EV/Earnings	10.68x
EV/FCF	9.75x
EV/Sales	5.27x
FCF / EV yield	10.26%
FCF yield	10.95%
Forward P/E	10.21x
Graham number	90.049
Graham upside	35.47%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$80.14
Lynch upside	20.57%
P/B ratio	1.23x
P/E ratio	9.98x
P/FCF ratio	9.13x
P/OCF ratio	8.79x
P/S ratio	4.94x
PEG ratio	3.31x
Price / tangible book value	1.34x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	21.1%
FCF margin	54.06%
Operating margin	63.58%
Pretax margin	62.54%
Profit margin	49.34%
Profit per employee	$178,205
Profitable quarters	126
Profitable years	33
Revenue per employee	$361,179
ROA	2.47%
ROA (5Y)	2.3%
ROE	12.92%
ROE (5Y)	14.54%
SBC / revenue	0.01%
Tax / revenue	13.2%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	0.45%
EPS growth (Q)	-4.35%
EPS growth (QoQ)	-6.1%
EPS growth 10Y	13.03%
EPS growth 3Y	1.88%
EPS growth 5Y	12.52%
EPS growth years	1
FCF growth	0.45%
FCF growth (Q)	-3.36%
FCF growth (QoQ)	-23.69%
FCF growth 3Y	1.9%
FCF growth 5Y	6.65%
Net income growth	0.33%
Net income growth (Q)	-4.32%
Net income growth (QoQ)	-6.24%
Net income growth 3Y	1.87%
Net income growth 5Y	12.07%
Net income growth years	1
OCF growth	0.59%
OCF growth (Q)	-1.33%
OCF growth (QoQ)	-21.95%
OCF growth 10Y	8.58%
OCF growth 3Y	1.58%
OCF growth 5Y	7.03%
Revenue growth	3.58%
Revenue growth (Q)	-0.02%
Revenue growth (QoQ)	-0.84%
Revenue growth 10Y	5.84%
Revenue growth 3Y	2.8%
Revenue growth 5Y	8.4%
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-17.2M
EPS	$6.64
FCF per share	$7.28
Financing cash flow	$119.2M
Free cash flow	$452.8M
Gross profit	$837.6M
Income taxes	$110.5M
Investing cash flow	$-870.1M
Net borrowing	$-54.4M
Net cash flow	$-280.8M
Net income	$413.3M
Operating income	$532.5M
Revenue	$837.6M
Stock-based compensation	$71,000

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$54.28
Debt / equity	0.22
Debt / FCF	1.61
Goodwill	$282.5M
Net cash (debt)	$-279.9M
Net cash / market cap	-6.77%
Net debt / equity	0.08
Net debt / FCF	0.62
Piotroski F-Score	4
Property, plant and equipment	$420.9M
Shareholders' equity	$3.4B
Tangible book value	$3.1B
Tangible book value per share	$49.73
Total assets	$17B
Total cash	$451.2M
Total debt	$731M
Total liabilities	$13.6B
WACC	6.86%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-12.9B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	0.07%
Dividend growth	4.29%
Dividend growth (10Y)	9.3%
Dividend growth (3Y)	5.03%
Dividend growth (5Y)	4.89%
Dividend growth years	16
Dividend payment date	2026-08-28
Dividend payment years	31
Dividend payout frequency	Semi-Annual
Dividend per share	$1.46
Dividend yield	2.2%
Ex-dividend date	2026-08-14
FCF payout ratio	20.05%
Last dividend	$0.73
Payout ratio	21.99%
Shareholder yield	2.27%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	113.19%
10Y return CAGR	10.61%
10Y total return	174.06%
150-day SMA	$72.01
15Y price change	243.14%
15Y return CAGR	11.18%
15Y total return	390.49%
1D price change	-0.55%
1M price change	-5.26%
1M total return	-5.26%
1W price change	1.46%
1W total return	1.46%
1Y price change	-2.52%
1Y return CAGR	-0.53%
1Y total return	-0.53%
20-day SMA	$67.54
200-day SMA	$71.39
20Y price change	138.11%
20Y return CAGR	6.95%
20Y total return	283.68%
3M price change	-13.56%
3M total return	-12.69%
3Y price change	54.27%
3Y return CAGR	18.08%
3Y total return	64.64%
50-day SMA	$69.36
50-day SMA vs 200-day SMA	50under200
52-week high	$78.46
52-week high date	2026-06-26
52-week low	$63.20
52-week low date	2025-11-18
5Y price change	60.51%
5Y return CAGR	12.59%
5Y total return	80.87%
6M price change	-7.56%
6M total return	-6.63%
All-time high	$78.46
All-time high date	2026-06-26
All-time low	$3.71
All-time low date	1996-03-01
Average true range (ATR)	$1.40
Average volume	370.1K
Beta (1Y)	0.04
Beta (2Y)	0.68
Beta (5Y)	0.7
Change from 52-week high	-15.5%
Change from 52-week low	4.91%
Change from all-time high	-15.55%
Change from all-time low	1,686.47%
Change from open	-0.45%
Day's gap	-0.1%
Dollar volume	$14.6M
High price	$66.60
Low price	$65.95
Monthly RSI	50.1
Open price	$66.60
Position in 52-week range	53.85%
Previous close	$66.67
Price vs 150-day SMA	-7.98%
Price vs 20-day SMA	-1.89%
Price vs 200-day SMA	-7.19%
Price vs 50-day SMA	-4.47%
Relative volume	0.59
RSI	37.12
Sharpe ratio	-0.11
Sharpe ratio (3Y)	0.62
Sharpe ratio (5Y)	0.4
Sortino ratio	0.11
Sortino ratio (3Y)	1.19
Sortino ratio (5Y)	0.82
Volume	219.9K
Weekly RSI	34.69
YTD price change	-0.27%
YTD total return	1.76%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	56.2M
Float percentage	90.37%
Shares change (QoQ)	0.01%
Shares change (YoY)	-0.07%
Shares held by insiders	9.6%
Shares held by institutions	75.29%
Shares outstanding	62.2M
Short % of float	4.01%
Short % of shares	3.62%
Short ratio	6 days

Deeper analysis on IBOC

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this IBOC report

Is a complete IBOC research report available?

No complete published report is available for International Bancshares Corporation (IBOC) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

International Bancshares Corporation (IBOC)

Price

Financial snapshot

Fair-value bridge

Latest news · IBOC

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All IBOC indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on IBOC

Frequently asked questions