International Bancshares Corporation (IBOC)
Fair ValueFundamental
71
Price
$68.50
Market Cap
$4.26B
Part 1 · What the company is worth
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.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on September 18, 2026 with claude-haiku-4-5 — shared with all users
The dominant community bank in Oklahoma, competing directly with IBC's Oklahoma City subsidiary for small-business loans and local deposits.
A privately held Laredo bank with branches along the same border corridor — Laredo, Zapata, McAllen, Brownsville, Eagle Pass — and representative offices in Mexico, chasing the same small-business and cross-border deposit customers as IBC Bank.
The largest Texas-only commercial bank, competing branch by branch for the same middle-market and small-business lending and deposit relationships across San Antonio, the Rio Grande Valley and the rest of the state.
Runs a comparable branch-heavy community banking model with roughly 280 offices across the same two states, Texas and Oklahoma, where IBC operates.
A privately held San Antonio bank with offices in Laredo, El Paso and the Rio Grande Valley that markets U.S.-dollar accounts and trade services to Mexican clients — the cross-border niche that supplies about a third of IBC's deposits.
Balance Sheet & Liquidity
Revenue
$859M
Trailing 12 months (through 6/30/2026)
Net Income
$413M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$473M
Total Equity
$3.25B
Total Liabilities
$13.32B
Current Ratio
-
Interest Coverage
0.77
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$80.22
Current Price
$68.50
Margin of Safety
+14.6%
Fair Value Range
$55.63 - $104.81
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
10.33
ROE
12.7%
P/B Ratio
1.26
P/FCF
9.41
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
9.4%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (16)
- EPS shows upward trend
- EPS CAGR 7.55%
- Price CAGR 5.41%
- P/FCF 9.41
- P/B Ratio 1.26
- Operating Margin 61.0%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 12.7%
- Analyst Consensus 86% Buy
- PEG Ratio 0.50
- Earnings Quality (OCF/NI) 1.14
- Share Dilution 0.0%
- Piotroski F-Score 5/9
Failed (7)
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Fairly valued)
- Revenue Growth 5Y 4.8%
- Earnings Surprise avg -3.9%
- Net Margin Trend 48.1% vs 49.8%
Unavailable (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Dennis Edward Nixon | Chairman of the Board & President | 82 |
| Ms. Judith I. Wawroski | Chief Accounting Officer, CFO & Treasurer | 50 |
| Ms. Rosalinda Ramirez | Executive VP & Corporate Human Resources Director | - |
| Ms. Marisa V. Santos | Corporate Secretary | - |
| Mr. Mike K. Sohn | CEO & President of International Bank of Commerce - San Antonio | - |
| Mr. Derek Schmidt | CEO & President of International Bank of Commerce - Port Lavaca, Bay City | - |
| Mr. Robert B. Barnes | Chairman & CEO International Bank of Commerce - Austin, Texas | - |
| Mr. Hector J. Cerna | CEO & President of International Bank of Commerce - Eagle Pass | - |
| Mr. Ricardo X. Ramirez | President of International Bank of Commerce - Zapata | - |
| Mr. Jeff Samples | Chairman & CEO International Bank of Commerce - Houston, Texas | - |
Audit Risk
6
Board Risk
8
Compensation Risk
5
Shareholder Rights Risk
2
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-26
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-06
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-08-06
via SEC EDGAR
Income History
via SEC EDGAR
Latest News
Recent headlines for IBOC, sourced from Markets Gazette.