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International Bancshares Corporation (IBOC) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

International Bancshares Corporation

IBOCMarket cap $4.29BPrice $68.9

Country🇺🇸United States

SectorFinancials

IndustryBanks

International Bancshares runs community banks across Texas and Oklahoma, serving border-region businesses with trade financing. It's one of the largest independent bank holding companies in Texas, quietly profiting from cross-border commerce with Mexico.

In Bastion Portfolios?

52W Return+6%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+8%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+2%–

Rev CAGR (5y)+2%2

Earnings Forecast

EPS Growth Y+1na–

EPS Growth Y+2na–

EPS Growth Y+3+2%4

Quality

Margins

EBIT Margin0%6

Net Income Margin49%10

Free Cash Flow Margin54%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE13%6

ROA2%4

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)na–

P/E Ratio (Forward 3y)108

P/BV1.39

EV Multiples

EV/EBITDA Fwdna–

EV/EBIT Fwdna–

Yield

Free Cash Flow Yield0.0%9

Dividend Yield2.1%6

Momentum

Short term

1 month return-4%5

3 month return-8%4

YTD return+6%6

Mid term

Price vs 52wHigh89%7

1 year return+3%5

Long term

3 year return+69%6

5 year return+78%7

Risk Shield

Price Risk

Beta0.76

Volatility22%9

Free Cash Flow

Free Cash Flow Margin54%10

Free Cash Flow Yield0.0%9

Quality

ROCE15%4

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

IBOCInternational Bancshares

Revenue FY25$827M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+8%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+2%–

Revenue, next 5Y, CAGR+2%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26Ena–

EPS growth, FY27Ena–

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 8%/yr over the last 3 years; forecasts see it cooling to 2%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 2%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 2%/yr, behind 80% of companies worldwide.2/10

Earnings are set to fall even as revenue grows (EPS about 0%/yr vs revenue 2%/yr).

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE51 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-4%5

3-month return-8%4

YTD return+6%6

MID & LONG-TERM▾SCORE

% of 52-week high89%7

1-year return+3%5

3-year return+69%6

5-year return+78%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +69% over three years and +78% over five, ahead of 60% of the market.

WATCH

It's up 3% over the past year, but 11% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-4%), over three months (-8%) and so far this year (+6%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on International Bancshares Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

IBOCInternational Bancshares

Revenue FY25$827M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+8%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+2%–

Revenue, next 5Y, CAGR+2%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26Ena–

EPS growth, FY27Ena–

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 8%/yr over the last 3 years; forecasts see it cooling to 2%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 2%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 2%/yr, behind 80% of companies worldwide.2/10

Earnings are set to fall even as revenue grows (EPS about 0%/yr vs revenue 2%/yr).

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE51 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-4%5

3-month return-8%4

YTD return+6%6

MID & LONG-TERM▾SCORE

% of 52-week high89%7

1-year return+3%5

3-year return+69%6

5-year return+78%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +69% over three years and +78% over five, ahead of 60% of the market.

WATCH

It's up 3% over the past year, but 11% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-4%), over three months (-8%) and so far this year (+6%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on International Bancshares Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community