IBOC
NASDAQ
US
International Bancshares Corporation - Common Stock
$67.77
▼ $-0.10
(-0.15%)
Vol 494K
10
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$4.1B
P/E
9.8
ROE
14.2%
Margin
49.6%
D/E
24.72
Beta
0.76
Div Yield
2.11%
52W
$54–$74
Wall Street Consensus
7 analysts · Apr 20262
Strong Buy
4
Buy
1
Hold
0
Sell
0
Strong Sell
85.7%
Buy Rating
Price Chart
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Earnings
Beat rate: 25.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $1.66 | $1.71 | +$0.05 |
| Jun 2024 | — | $1.56 | — |
| Mar 2024 | — | $1.56 | — |
| Jun 2023 | — | $1.62 | — |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $208.3M | $198.2M | $208.2M | $218.1M | $217.7M |
| Net Income | — | $115.1M | $96.9M | $100.1M | $108.4M | $106.9M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 14.4% | 14.4% | 14.4% | 14.4% | 14.2% | 14.2% |
| P/E (TTM) | 10.04 | 10.33 | 10.25 | 10.02 | 9.89 | 9.82 |
| Net Margin | — | 49.6% | 49.6% | 49.6% | 49.6% | 49.6% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 23.99 | 23.99 | 23.99 | 23.99 | 24.72 | 24.72 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
2.6%
P/S (TTM)
3.42
P/B
1.4
EPS (TTM)
$6.75
CF/Share
$6.94
Rev Growth 3Y
+2.2%
52W High
$73.66
52W Low
$54.11
$54.11
52-Week Range
$73.66
Financial Health
Free Cash Flow
$136.0M
Net Debt
-$417.3M
Cash
$536.5M
Total Debt
$119.2M
As of Dec 31, 2025
How does IBOC compare to Banking peers?
Peer group: Mid-cap Banking ($2B+) · 74 companies
IBOC valuation vs Banking peers
P/E ratio
9.8
▼
22%
below
peers
(12.6)
vs Peers
vs Industry
Undervalued
P/S ratio
3.4
▲
44%
above
peers
(2.4)
vs Peers
vs Industry
Overvalued
P/B ratio
1.4
▲
18%
above
peers
(1.2)
vs Peers
vs Industry
Overvalued
Div yield
2.1%
▼
43%
below
peers
(3.7%)
vs Peers
vs Industry
Low yield
IBOC profitability vs Banking peers
ROE
14.2%
▲
43%
above
peers
(9.9%)
vs Peers
vs Industry
Top tier
Net margin
49.6%
▲
61%
above
peers
(30.9%)
vs Peers
vs Industry
Top tier
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
2.6%
▲
142%
above
peers
(1.1%)
vs Peers
vs Industry
Top tier
IBOC financial health vs Banking peers
D/E ratio
24.7
▲
57%
above
peers
(15.7)
vs Peers
vs Industry
High debt
Current ratio
—
—
vs Peers
vs Industry
Low liquidity
Beta
0.8
▼
12%
below
peers
(0.9)
vs Peers
vs Industry
More volatile
IBOC fundamentals radar
IBOC
Peer median
Industry
IBOC profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
IBOC vs peers: key metrics
Related Signals
Insider Activity
NeutralBuys
0
Sells
0
WAWROSKI JUDITH I
Officer and Treasurer · Feb 06
1175 shs
Last 90 days
Top Holders
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American Century Companies …
5.14%
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5.11%
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State Street Corporation
3.96%
$166.8M
As of Dec 31, 2025
Dividends
$2.79
/ year
Feb 13, 2026
$0.7300
Aug 15, 2025
$0.7000
Feb 14, 2025
$0.7000
Aug 14, 2024
$0.6600
Feb 14, 2024
$0.6600
Aug 10, 2023
$0.6300
Feb 14, 2023
$0.6300
Aug 15, 2022
$0.6000
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