International Bancshares Corporation (IBOC) AI Stock Analysis

International Bancshares Corporation operates as a financial holding company headquartered in Laredo, Texas. Since 1966, it has provided commercial and retail banking services, including accepting checking and savings deposits and offering commercial loans, real estate financing, personal loans, home improvement loans, automobile loans, and installment loans. It also provides international banking services such as letters of credit, commercial and industrial loans, and foreign exchange services. Additional offerings include credit cards, safety deposit boxes, notary public services, escrow services, collection services, drive-up/walk-up facilities, Internet banking services, and access to third-party securities products.

Between FY2021 and FY2025, International Bancshares grew its revenue from $620.4M to $1.05B, marking a 5-year revenue CAGR of 12.8%. Revenue growth slowed to 1.0% in FY2025 following 7.5% growth in FY2024 and 36.1% growth in FY2023. Annual net income increased from $253.9M in FY2021 to $412.3M in FY2025, with EPS rising from $4.00 to $6.62 over the same period. For the trailing twelve months ended June 30, 2026, revenue stood at $837.6M with an operating margin of 60.5% and a net profit margin of 49.3%, though quarterly earnings growth fell 4.3% year-over-year.

As of June 30, 2026, International Bancshares held $451.2M in cash and short-term investments against total debt of $731.0M, resulting in net debt of $279.9M. Total assets were $17.02B and shareholders' equity was $3.38B, resulting in a debt-to-equity ratio of 0.22 and a current ratio of 0.86. In FY2025, operating cash flow reached $491.1M and free cash flow was $472.9M. The company deployed cash toward $18.1M in capital expenditures, $87.1M in dividends paid, and $4.6M in share buybacks.

International Bancshares trades at a trailing P/E of 10.2x and a forward P/E of 9.8x, both below the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales ratio of 5.0x sits above the peer median of 3.2x, while price-to-book is 1.3x and PEG is 0.98. Over the past year, the stock returned 6.1%, trailing the S&P 500 return of 16.8%. Over a 5-year period, its return of 81.8% compared to 83.0% for the S&P 500.

International Bancshares offers an annual forward dividend of $1.46 per share, representing a dividend yield of 2.17% with a payout ratio of 22.0%. The dividend is paid on a semiannual basis and has been paid for 31 consecutive years. Its 5-year annualized dividend growth rate is 4.9%, and its last ex-dividend date was August 14, 2026.

Wall Street analyst coverage shows 1 Strong Buy, 0 Buy, 0 Hold, 0 Sell, and 0 Strong Sell ratings. The mean price target is $87.00, representing upside of 29.2% against the last close of $67.34. The consensus EPS estimate for the current fiscal year ending December 31, 2026, is $6.39, projecting an EPS decline of 3.5%, followed by an estimate of $6.75 for the next fiscal year. The company beat EPS estimates in 2 of the last 4 quarters, with next earnings scheduled for November 5, 2026.

This page is an AI-written research summary of International Bancshares Corporation (IBOC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: IBOC income statement, IBOC balance sheet, IBOC key metrics, IBOC analyst forecast, IBOC chart. See the IBOC stock overview for the latest quote and news.