International Bancshares Corporation (IBOC)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 76.20 $ — 89% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AAQS
5/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 7.5%
- Exp. sales growth 3Y > 5% -100.0%
- EBIT growth 10Y > 5% 11.4%
- Exp. EBIT growth 3Y > 5% -0.2%
- Net debt < 4x EBIT 0.3x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 22.3%
- Return on equity > 15% 13.9%
- ROCE > 15% 3.2%
- Expected return > 10% 9.8%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
6 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 13.9% failed
- More than 10% revenue growth is expected for the coming year no data
- Share count grows by less than 3% a year -0.3% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 45.9% passed
- Gross margin at 40% or higher and without meaningful erosion 78.3% failed
- Goodwill from acquisitions does not grow faster than revenue 1.7% passed
- Net debt below twice EBITDA 0.3 x EBITDA passed
- Operating cash flow covers the profits of the last three years 206 m passed
- Return on capital at 15% or higher, or up versus two years ago 3.2% failed
- Insiders hold at least 10% or are net buyers 13.1% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 14.2% above the current price.
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 6.52 | 6.52 – 6.52 | 0 | – | 1 |
| 12/31/2027 | 6.60 | 6.60 – 6.60 | 0 | – | 1 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 1.61 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 1.85 | 8.00 | 263 | 2.60 | 43.80 | 115 | 117 |
| 2025: Q1 | 1.56 | -0.50 | 252 | -1.10 | 38.50 | 141 | 133 |
| 2025: Q2 | 1.61 | 3.40 | 262 | 0.90 | 38.30 | 96 | 92 |
| 2025: Q3 | 1.74 | 8.70 | 273 | 2.30 | 39.80 | 115 | 112 |
| 2025: Q4 | 1.72 | -7.00 | 271 | 3.00 | 39.50 | 140 | 136 |
| 2026: Q1 | 1.64 | 5.60 | 257 | 2.20 | 39.70 | 121 | 116 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 550 | 197 | 134 | 2.02 | 203 | 1,725 | 11,804 |
| 2017 | 566 | 222 | 157 | 2.36 | 197 | 1,839 | 12,185 |
| 2018 | 631 | 273 | 216 | 3.24 | 230 | 1,940 | 11,872 |
| 2019 | 647 | 260 | 205 | 3.12 | 312 | 2,118 | 12,113 |
| 2020 | 578 | 212 | 167 | 2.62 | 305 | 2,178 | 14,029 |
| 2021 | 620 | 322 | 254 | 4.00 | 292 | 15,475 | 16,046 |
| 2022 | 713 | 383 | 300 | 4.78 | 388 | 2,045 | 15,501 |
| 2023 | 970 | 524 | 412 | 6.62 | 474 | 2,448 | 15,066 |
| 2024 | 1,043 | 509 | 409 | 6.57 | 474 | 2,797 | 15,739 |
| 2025 | 1,054 | 520 | 412 | 6.62 | 491 | 3,252 | 16,680 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
International Bancshares Corporation, eine Mehrbanken-Finanzholding, befasst sich mit der Bereitstellung von Firmen- und Privatkunden-Bankdienstleistungen in Texas und Oklahoma. Das Unternehmen nimmt Giro- und Spareinlagen an und bietet Firmen-, Immobilien-, Privat-, Modernisierungs-, Auto…
| Employees | 2,126 |
|---|---|
| Headquarters | Laredo, TX |
| Address | 1200 San Bernardo Avenue, 78042-1359 Laredo, United States |
| Phone | 956 722 7611 |
| Website | ibc.com |
| IPO Date | 30. May 1996 |
| ISIN | US4590441030 |
| Stock Split | 11:10 on 05/17/2007 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Dennis Edward Nixon | Chairman of the Board & President | 1943 |
| Judith I. Wawroski | Chief Accounting Officer, CFO & Treasurer | 1975 |
| Rosalinda Ramirez | Executive VP & Corporate Human Resources Director | – |
| Marisa V. Santos | Corporate Secretary | – |
| Mike K. Sohn | CEO & President of International Bank of Commerce - San Antonio | – |
| Derek Schmidt | CEO & President of International Bank of Commerce - Port Lavaca, Bay City | – |
| Robert B. Barnes | Chairman & CEO International Bank of Commerce - Austin, Texas | – |
| Hector J. Cerna | CEO & President of International Bank of Commerce - Eagle Pass | – |
| Ricardo X. Ramirez | President of International Bank of Commerce - Zapata | – |
| Jeff Samples | Chairman & CEO International Bank of Commerce - Houston, Texas | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.