International Bancshares Corporation (NASDAQ:IBOC)

International Bancshares Corporation IBOC

Financial Services - Banks - Regional - NASDAQ - US

Watchlist

$ 71.21

1.34 %

$ 4.43 B

Market Cap

10.84

P/E

1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one IBOC stock under the worst case scenario is HIDDEN Compared to the current market price of 71.2 USD, International Bancshares Corporation is HIDDEN

IBOC Intrinsic Value
HIDDEN

SHOW

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one IBOC stock under the base case scenario is HIDDEN Compared to the current market price of 71.2 USD, International Bancshares Corporation is HIDDEN

IBOC Intrinsic Value
HIDDEN

SHOW

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one IBOC stock under the best case scenario is HIDDEN Compared to the current market price of 71.2 USD, International Bancshares Corporation is HIDDEN

IBOC Intrinsic Value
HIDDEN

SHOW

2. FUNDAMENTAL ANALYSIS

Price Chart IBOC

FINANCIALS

Annual
Quarterly

509 M OPERATING INCOME

474 M OPERATING CASH FLOW

-985 M INVESTING CASH FLOW

213 M FINANCING CASH FLOW

121 M OPERATING INCOME

140 M OPERATING CASH FLOW

-275 M INVESTING CASH FLOW

372 M FINANCING CASH FLOW

Balance Sheet International Bancshares Corporation

15.7 B ASSETS
12.9 B LIABILITIES

Current Assets	5.41 B
Cash & Short-Term Investments	5.34 B
Receivables	72.2 M
Other Current Assets	0
Non-Current Assets	10.3 B
Long-Term Investments	9.02 B
PP&E	428 M
Other Non-Current Assets	878 M

Current Liabilities	12.6 B
Accounts Payable	0
Short-Term Debt	535 M
Other Current Liabilities	12.1 B
Non-Current Liabilities	295 M
Long-Term Debt	119 M
Other Non-Current Liabilities	176 M

EFFICIENCY

Earnings Waterfall International Bancshares Corporation

Revenue	1.04 B
Cost Of Revenue	241 M
Gross Profit	802 M
Operating Expenses	293 M
Operating Income	509 M
Other Expenses	99.6 M
Net Income	409 M

RATIOS

48.78% OPERATING MARGIN

FREE CASH FLOW ANALYSIS

Free Cash Flow Analysis International Bancshares Corporation

Net Income	409 M
Depreciation & Amortization	22.5 M
Capital Expenditures	-14.1 M
Stock-Based Compensation	214 K
Change in Working Capital	26.1 M
Others	60.4 M
Free Cash Flow	460 M

3. WALL STREET ANALYSTS ESTIMATES

Wall Street Analysts Price Targets International Bancshares Corporation

IBOC has no price targets from Wall Street.

4. DIVIDEND ANALYSIS

1.11% DIVIDEND YIELD

0.7 USD DIVIDEND PER SHARE

5. COMPETITION

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts.

60.4 USD

NBTB

Undervalued 37.73%

Community West Bancshares operates as the bank holding company for Community West Bank, N.A. that provides various financial products and services in California.

28.4 USD

CWBC

Undervalued 33.64%

First Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. The company accepts checking, savings and money market accounts, and time deposits; commercial and industrial, municipal, agricultural, construction and development, farm, non-owner occupied and owner-occupied commercial real estate, residential, and consumer auto and non-auto loans to businesses, professional individuals, and farm and ranch operations.

6. Ownership

Insider Ownership International Bancshares Corporation

Summary
Transactions

Sold

0-3 MONTHS

0 USD 0

3-6 MONTHS

0 USD 0

6-9 MONTHS

7.17 M USD 1

9-12 MONTHS

0 USD 0

Bought

0 USD 0

0-3 MONTHS

0 USD 0

3-6 MONTHS

0 USD 0

6-9 MONTHS

0 USD 0

9-12 MONTHS

Date	Value	Insider	Amount	Avg Price
1 year ago Dec 07, 2023	Sell 1.23 M USD	SANCHEZ ANTONIO R JR director, 10 percent owner:	- 25000	49.06 USD
1 year ago Dec 07, 2023	Sell 2.45 M USD	SANCHEZ ANTONIO R JR director, 10 percent owner:	- 50000	49.06 USD
1 year ago Dec 08, 2023	Sell 1.22 M USD	SANCHEZ ANTONIO R JR director, 10 percent owner:	- 25000	48.86 USD
1 year ago Dec 08, 2023	Sell 2.44 M USD	SANCHEZ ANTONIO R JR director, 10 percent owner:	- 50000	48.86 USD
1 year ago Mar 11, 2024	Sell 2.17 M USD	SANCHEZ ANTONIO R JR director, 10 percent owner:	- 40000	54.22 USD
1 year ago May 21, 2024	Sell 1.8 M USD	SANCHEZ ANTONIO R JR director, 10 percent owner:	- 30112	59.75 USD
1 year ago May 22, 2024	Sell 2.91 M USD	SANCHEZ ANTONIO R JR director, 10 percent owner:	- 49888	58.39 USD
1 year ago Nov 15, 2023	Sell 1.43 M USD	SANCHEZ ANTONIO R JR director, 10 percent owner:	- 30000	47.77 USD
1 year ago Nov 16, 2023	Sell 1.4 M USD	SANCHEZ ANTONIO R JR director, 10 percent owner:	- 30000	46.62 USD
1 year ago Nov 27, 2023	Sell 2.02 M USD	SANCHEZ ANTONIO R JR director, 10 percent owner:	- 45000	44.79 USD

7. News

IBC Reports Strong Earnings LAREDO, Texas--(BUSINESS WIRE)--International Bancshares Corporation today reported net income for the first quarter of 2025 of approximately $96.9 million. businesswire.com - 2 months ago

IBC Reports Strong Earnings in 2024 LAREDO, Texas--(BUSINESS WIRE)--International Bancshares Corporation (NASDAQ:IBOC) today reported annual net income for 2024 of approximately $409.2 million. businesswire.com - 4 months ago

23 Upcoming Dividend Increases, Including 2 Kings Excited to announce dividend hikes for 23 companies, including dividend kings SJW Group and California Water Service Group, with 5% and 7.1% increases. Companies with consistent dividend growth indicate financial health, attracting investors and boosting stock prices, leading to long-term wealth accumulation. Investment strategy focuses on stocks with rising dividends and outperforming benchmarks, using data from U.S. Dividend Champions and NASDAQ. seekingalpha.com - 4 months ago

Finanta Partners With IBC Bank to Revolutionize Commercial Lending Through Digital Transformation SAN ANTONIO--(BUSINESS WIRE)-- #CommercialLOS--Finanta partners with IBC Bank to digitally transform commercial lending, enhancing efficiency, risk management, and customer experiences. businesswire.com - 8 months ago

IBC Reports Strong Earnings for the First Half of 2024 LAREDO, Texas--(BUSINESS WIRE)--International Bancshares Corporation (NASDAQ:IBOC) today reported net income for the six months ended June 30, 2024. businesswire.com - 11 months ago

IBC's Strong Earnings Continue in the First Quarter of 2024 LAREDO, Texas--(BUSINESS WIRE)--International Bancshares Corporation (NASDAQ:IBOC), one of the largest independent bank holding companies in Texas, today reported net income for the three months ended March 31, 2024 of $97.3 million or $1.56 diluted earnings per common share ($1.57 per share basic) compared to $101.6 million or $1.63 diluted earnings per common share ($1.64 per share basic), which represents a decrease of 4.3% in diluted earnings per share and a 4.2% decrease in net income over. businesswire.com - 1 year ago

International Bancshares Corporation Ranked Third on Forbes' America's Best Banks List for 2023 LAREDO, Texas--(BUSINESS WIRE)--International Bancshares Corporation (IBC)(NASDAQ: IBOC) has once again been ranked among the nation's best banks by Forbes Magazine. The Laredo-based multibank financial holding company ranked 3rd on the 15th annual prestigious list of Best Banks in America. The top two hundred largest publicly traded banks and thrifts by asset size were eligible for the list; however, only the top one hundred were ranked after Forbes' analysis of ten equally weighted financial. businesswire.com - 1 year ago

International Bancshares Corporation Ranked #1 by S&P Global Market Intelligence's Top 50 Public Banks for 2023 LAREDO, Texas--(BUSINESS WIRE)--International Bancshares Corporation (IBC) (NASDAQ:IBOC) is proud to announce that it ranked #1 among S&P Global Market Intelligence's best-performing U.S. Public Banks for 2023. The rankings assessed the financial performance of operating U.S. public banks with total assets exceeding $10 billion as of Dec. 31, 2023. S&P Global Market Intelligence launched the rankings in 2011 to evaluate the performance of community banks and credit unions. Institutions. businesswire.com - 1 year ago

7 Dividend Stocks to Secure Your Financial Freedom by 2026 Check out the guide to the best dividend stocks that can help you achieve financial freedom. The first star in this investing galaxy, with a 5% dividend yield, is glowing brightly. investorplace.com - 1 year ago

IBC Reports 37% Increase in Earnings in 2023 LAREDO, Texas--(BUSINESS WIRE)--International Bancshares Corporation (NASDAQ:IBOC), one of the largest independent bank holding companies in Texas, today reported annual net income for 2023 of $411.8 million, or $6.62 diluted earnings per common share ($6.63 per share basic), compared to $300.2 million, or $4.78 diluted earnings per common share ($4.79 per share basic), which represents an increase of 38.5% in diluted earnings per share and a 37.2% increase in net income over the corresponding. businesswire.com - 1 year ago

IBC Continues to Deliver Exceptional Earnings LAREDO, Texas--(BUSINESS WIRE)--International Bancshares Corporation (NASDAQ:IBOC), one of the largest independent bank holding companies in Texas, today reported net income for the nine months ended Sept. 30, 2023 of $305.4 million, or $4.91 diluted earnings per common share ($4.92 per share basic), compared to $194.8 million, or $3.09 diluted earnings per common share ($3.10 per share basic), for the same period of 2022, which represents an increase of 56.8% in net income and an increase of 5. businesswire.com - 1 year ago

Top 3 Small Bank Stocks to Buy for Rapid Growth in 2023 Here's a look at three top small bank stocks to buy now. In times of turbulence, big banks often steal the limelight among banking stocks. investorplace.com - 1 year ago

8. Profile Summary

International Bancshares Corporation IBOC

COUNTRY US

INDUSTRY Banks - Regional

MARKET CAP $ 4.43 B

Dividend Yield 1.11%

Description International Bancshares Corporation, a financial holding company, provides commercial and retail banking services. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company 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, collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. As of February 28, 2022, the company had 170 branch facilities and 263 ATMs serving 76 communities in Texas and Oklahoma. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.

Contact 1200 San Bernardo Avenue, Laredo, TX, 78042-1359 https://www.ibc.com

IPO Date Aug. 30, 1995

Employees 2103

Officers Mr. Dennis Edward Nixon Chairman of the Board & President Mr. Mike K. Sohn Chief Executive Officer & President of International Bank of Commerce - San Antonio Mr. Ricardo X. Ramirez President of International Bank of Commerce - Zapata Mr. Hector J. Cerna Chief Executive Officer & President of International Bank of Commerce - Eagle Pass Mr. Jeff Samples President of International Bank of Commerce - Houston Ms. Marisa V. Santos Corporate Secretary Mr. Derek Schmidt Chief Executive Officer & President of International Bank of Commerce - Port Lavaca, Bay City Mr. Robert B. Barnes Chief Executive Officer & President of Intl. Bank of Commerce - Austin Ms. Judith I. Wawroski Chief Accounting Officer, Principal Financial Officer & Treasurer Mr. Kyle McElvaney President & Chief Executive Officer of IBC Bank - Oklahoma

Price Chart IBOC

International Bancshares Corporation IBOC

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