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International Bancshares Corpor (IBOC) Stock Analysis

Range Bound setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $72.20, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: Mexico-domiciled deposits (32.0%); Analyst target reached - limited upside remaining.

International Bancshares is one of the largest independent financial holding companies in Texas, operating through five subsidiary banks with 166 facilities in 75 communities across Texas and Oklahoma. Revenue comes from interest income on commercial, real estate, international... Read more

$72.20+2.4% A.UpsideScore 5.3/10#120 of 142 Banks - Regional
QualityF-score8 / 9FCF yield—
IncomeYield1.98%(5y avg 2.44%)Payout21.34%sustainable
Stop $69.58Target $73.95(analyst − 15%)A.R:R 0.5:1
Analyst target$87.00+20.5%1 analysts
Range unavailable (1 analysts)

Hold if already holding. Not a fresh buy at $72.20, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: Mexico-domiciled deposits (32.0%); Analyst target reached - limited upside remaining. Chart setup: RSI 48 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 5.3/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 79d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Val5.8Qual5.8Grw3.5Mom3.8Sent6.2Ins5.0Peer5.0Tech6.2Risk7.65.3OVERALL

Recent Developments — International Bancshares Corpor

Latest news

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (3/4)
Risks
Concentration risk — Loan Portfolio: Mexico-domiciled deposits (32.0%)
Analyst target reached - limited upside remaining
Near 52-week high (4.3% away)

Key Metrics

P/E (TTM)10.8
P/E (Fwd)—
Mkt Cap$4.5B
EV/EBITDA—
Profit Mgn49.9%
ROE13.5%
Rev Growth5.4%
Beta0.70
Dividend1.98%
Rating analysts7

Quality Signals

Piotroski F8/9

Options Flow

IV39%normal

Concentration Risks(10-K Item 1A)

  • HIGHloan_portfolioMexico-domiciled deposits32%
    10-K Item 1: 'These deposits comprised approximately 32%... of the Subsidiary Banks' total deposits for the three years ended December 31, 2025'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Earnings Growth
3.1
Revenue Growth
3.8

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Macd
0.2
Obv
1.0
Volume
3.3
Rsi
5.5
Ma Position
9.0
Volume distribution (falling OBV)Above 200-day MA
GatesMomentum 3.8<4.5A.R:R 0.5 < 1.5@spotInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 79d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRange BoundSuitability: Aggressive
RSI
48 · Neutral
↑ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $70.28Resistance $74.34

Price Targets

$70
$74
A.Upside+2.4%
A.R:R0.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (2.4% upside)
! Momentum score 3.8/10 — below 4.5 minimum
! Reward/Risk 0.5:1 at current price — below 1.5:1 minimum

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-08-06 (79d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is IBOC stock a buy right now?

Hold if already holding. Not a fresh buy at $72.20, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: Mexico-domiciled deposits (32.0%); Analyst target reached - limited upside remaining. Chart setup: RSI 48 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $73.95 (+2.4%), stop $69.58 (−3.8%), A.R:R 0.5:1. Score 5.3/10, moderate confidence.

What is the IBOC stock price target?

Take-profit target: $73.95 (+2.4% upside). Target $73.95 (+2.4%), stop $69.58 (−3.8%), A.R:R 0.5:1. Stop-loss: $69.58.

What are the risks of investing in IBOC?

Concentration risk — Loan Portfolio: Mexico-domiciled deposits (32.0%); Analyst target reached - limited upside remaining; Near 52-week high (4.3% away).

Is IBOC overvalued or undervalued?

International Bancshares Corpor trades at a P/E of 10.8 (forward N/A). TrendMatrix value score: 5.8/10. Verdict: Hold.

What do analysts say about IBOC?

7 analysts cover IBOC with a consensus score of 4.1/5. Average price target: $87.

What does International Bancshares Corpor do?International Bancshares is one of the largest independent financial holding companies in Texas, operating through five...

International Bancshares is one of the largest independent financial holding companies in Texas, operating through five subsidiary banks with 166 facilities in 75 communities across Texas and Oklahoma. Revenue comes from interest income on commercial, real estate, international trade, and consumer loans, with a significant deposit funding base from Mexico-domiciled customers.

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