International Bancshares/$IBOC
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Capital at risk
About International Bancshares
International Bancshares Corp is a registered multibank financial holding company providing a diversified range of commercial and retail banking services in its main banking and branch facilities located in north, south, central, and southeast Texas and the State of Oklahoma.. The company provides commercial and retail banking services in Texas and Oklahoma. The services provided by the bank include checking, savings, bank cards, lending, insurance, mortgage, investments, and other services.
- Ticker
- $IBOC
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 2,223
- Headquarters
- Laredo, United States
- Website
- www.ibc.com
IBOC Metrics
BasicAdvanced
$4.3B
10.30
$6.64
0.70
$1.46
2.13%
Price and volume
Market cap
$4.3B
Beta
0.7
52-week high
$78.46
52-week low
$63.20
Average daily volume
377K
Dividend rate
$1.46
Financial strength
Dividend payout ratio (TTM)
21.51%
Profitability
Net profit margin (TTM)
49.34%
Operating margin (TTM)
63.58%
Effective tax rate (TTM)
21.10%
Revenue per employee (TTM)
$380,000
Management effectiveness
Return on assets (TTM)
2.47%
Return on equity (TTM)
12.92%
Valuation
Price to earnings (TTM)
10.301
Price to revenue (TTM)
5.077
Price to book
1.26
Price to tangible book (TTM)
1.38
Price to free cash flow (TTM)
9.391
Free cash flow yield (TTM)
10.65%
Free cash flow per share (TTM)
7.284
Dividend yield (TTM)
2.13%
Forward dividend yield
2.13%
Growth
Revenue change (TTM)
3.58%
Earnings per share change (TTM)
0.45%
3-year revenue growth (CAGR)
2.80%
3-year earnings per share growth (CAGR)
1.88%
10-year earnings per share growth (CAGR)
13.03%
3-year dividend per share growth (CAGR)
5.15%
10-year dividend per share growth (CAGR)
9.44%
What the Analysts think about IBOC
Analyst ratings (Buy, Hold, Sell) for International Bancshares stock.
Analyst projections of the future price of International Bancshares stock.
Bulls say / Bears say
Loans and deposits grew in the first half of 2026, while net interest income rose 2.4% as lower deposit costs helped offset pressure elsewhere. This gives IBOC a growing balance sheet and an earnings engine that is still expanding. (StockTitan)
The board declared a $0.73-per-share cash dividend in August, citing solid capital, significant liquidity and a long record of positive earnings. That provides a tangible return to shareholders while the bank continues to generate profits. (Morningstar)
At roughly 10.4 times earnings, IBOC trades below the cited US bank industry average of 11.5 times. If credit concerns remain manageable, that lower valuation could leave room for the shares to catch up with peers. (Simply Wall St)
Non-accrual loans more than doubled to $297 million by June from $140 million at year-end, and first-half credit-loss expense rose to $14.1 million from $7.7 million. The increase was linked in part to several affordable-housing loans, raising the risk of further credit costs. (StockTitan)
Second-quarter net income fell 4.3% year on year to $95.8 million, with diluted EPS down to $1.54 from $1.61. First-half net income was only 0.5% higher, suggesting earnings momentum has weakened. (StockTitan)
Commercial real estate loans were about $6.57 billion of IBOC’s $9.86 billion loan book at June 30. That concentration makes the bank materially exposed if property-sector weakness spreads across its markets. (StockTitan)
Data summarised monthly by Lightyear AI. Last updated on 1 Oct 2026.
IBOC Financial Performance
Revenues and expenses
Upcoming events
No upcoming events
IBOC News
AllArticlesVideos
Funds containing IBOC
AllEURGBPUSD
Fund name | Fund size | $IBOC weighting |
|---|---|---|
iShares S&P US Banks€IUS2 | €1B | 0.70% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.13% |
SPDR Russell 2000 US Small Cap£R2SC | £4.1B | 0.13% |
SPDR S&P 400 US Mid Cap$SPY4 | $6.3B | 0.11% |
SPDR S&P 400 US Mid Cap£SPX4 | £4.7B | 0.11% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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