IBOC
INTERNATIONAL BANCSHARES CORP
Next earnings Aug 5, 2026 · consensus $1.71 EPS
Last earnings +1.0% on 2026-05-07
$77.82
▲ +0.93%$77.82▲ +26.00%
over 1Y
L $61.76EODHDH $77.82
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.9%
1W+3.6%
1M+7.7%
3M+15.5%
YTD+17.6%
1Y+26.0%
Buy
Conviction
Horizon
Long (>12mo)
Street · 7 analysts
Buy
Conservatively run Texas community bank with stable ~$412M earnings, 12.7% ROE and rising capital — cheap at 11x.
The read
The fundamentals carry the rating, but the price is rich (~18% above our fair-value estimate) — a quality-at-a-price call. The case rests on the business, not the entry; patient buyers may wait for a pullback.
International Bancshares is a well-capitalized, conservatively managed community bank serving Texas and Oklahoma, and its results reflect that discipline. FY2025 net income was $412M (EPS $6.62), essentially flat year over year and stable at this level for three consecutive years ($412M, $409M, $412M), on a 12.7% return on equity. The franchise is growing its balance sheet sensibly — total assets rose 5.3% to $16.6B — while equity grew 16.3% to $3.25B and retained earnings rose 9.7%, indicating the bank is retaining and compounding capital rather than stretching for growth.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $254M | $300M | $412M | $409M | $412M |
| Diluted EPS | $4.00 | $4.78 | $6.62 | $6.57 | $6.62 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF10.2
PEG (trailing)15.39
Earnings yield8.5%
FCF yield9.8%
Quality & risk
ROIC (est.)—
Free cash flow$473M
Total debt—
Net cash$536M
Capital returns
Buyback yield0.1%
Dividend yield (est.)1.8%
Shareholder yield1.9%
Shares Δ YoY-0.1%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRoutine disclosure cadence — no material red flags in recent filings.
Recent filings
all on EDGAR ↗4Period ending 2026-05-212026-05-22open ↗144Filing2026-05-21open ↗8-KPeriod ending 2026-05-182026-05-20open ↗8-KPeriod ending 2026-05-122026-05-12open ↗10-QPeriod ending 2026-03-312026-05-07open ↗8-KPeriod ending 2026-05-072026-05-07open ↗SCHEDULE 13GFiling2026-04-29open ↗ARSPeriod ending 2025-12-312026-04-20open ↗DEFA14AFiling2026-04-20open ↗DEF 14APeriod ending 2026-05-182026-04-20open ↗SCHEDULE 13G/AFiling2026-03-27open ↗10-KPeriod ending 2025-12-312026-02-26open ↗
Frequently asked
- Is INTERNATIONAL BANCSHARES CORP (IBOC) a buy?
- IBOC currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Conservatively run Texas community bank with stable ~$412M earnings, 12.7% ROE and rising capital — cheap at 11x.
- What is IBOC's fair value?
- A Modified-Graham model based on IBOC's SEC fundamentals estimates a fair value of about $63.86. It is an estimate from reported earnings, not a price target.
- Is IBOC overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, IBOC currently appears overvalued relative to its SEC-grounded earnings power.
- What is INTERNATIONAL BANCSHARES CORP's quality score?
- IBOC scores 73.88235294117646/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000315709, latest 10-Q filed 2026-05-07) · EODHD · analysis by claude-code · as of 6/21/2026, 9:01:07 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.