International Bancshares Corpor (IBOC) Stock Analysis
Breakout setup
Financial Services · Banks - Regional
Sell if holding. Analyst target reached at $75.44 — A.R:R is negative (-0.3) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: Mexico-domiciled deposits (32.0%).
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
Sell if holding. Analyst target reached at $75.44 — A.R:R is negative (-0.3) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: Mexico-domiciled deposits (32.0%). Chart setup: Golden cross, above all MAs, RSI 61, MACD bullish. Score 5.3/10, moderate confidence.
Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 52d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
About International Bancshares Corpor
About International Bancshares Corpor
International Bancshares Corporation operates five subsidiary banks providing commercial and retail banking across 166 facilities in Texas and Oklahoma, regulated by the FRB and FDIC, with deposits from Mexico-domiciled persons and entities representing approximately 32% of total Subsidiary Bank deposits in 2025. Headquartered in Laredo, Texas, the company ranks among the largest independent bank holding companies in the state and employs approximately 2,319 people.
International Bancshares earns revenue primarily through net interest income on commercial, real estate, personal, and installment loans and securities investments, with fee income from international banking services including letters of credit, foreign exchange, and trade finance along the U.S.-Mexico border. The Mexico deposit base — described as 'large and stable' in the filing — comprises approximately 32% of Subsidiary Bank total deposits and is particularly sensitive to tariffs, trade restrictions, or deteriorating U.S.-Mexico relations that could prompt Mexico-domiciled depositors to shift funds to institutions more integrated within the Mexican financial system. Liquidity draws on core deposits, repurchase agreements, and advances from the Federal Home Loan Bank of Dallas and the FHLB of Topeka. A significant portion of the loan portfolio is secured by real estate in the company's primary markets, creating collateral exposure to regional property value cycles. The company competes against national, regional, and community banks, credit unions, and an expanding set of fintech companies and blockchain-based financial service providers.
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The company's primary markets in south, central, and southeast Texas — including Austin, Dallas, and Houston — along with Oklahoma are particularly exposed to oil price cycles: energy production represents a large part of local economies, and a prolonged period of low oil prices could weigh on borrower creditworthiness and real estate collateral values in the company's primary lending geographies. The Mexico-domiciled deposit base at 32% of total deposits in 2025 faces a correlated risk: U.S.-imposed tariffs on Mexico could weaken Northern Mexican economic conditions, potentially triggering deposit outflows from a significant funding source the company describes as large and stable.
See also: Financial Services · Banks - Regional
From International Bancshares Corpor's most recent 10-K filing, extracted June 10, 2026.
Recent developments
updated 2026-06-15Recent Developments — International Bancshares Corpor
Latest news
- NEWS International Bancshares earnings on deck after dividend boost By Investing.com - Investing.com India — Investing.com India neutral
- NEWS International Bancshares earnings on deck after dividend boost - Investing.com — Investing.com positive
- NEWS International Bancshares: Q1 Earnings Snapshot - KING5.com — KING5.com neutral
- NEWS International Bancshares: Q1 Earnings Snapshot - WKYC — WKYC neutral
- NEWS International Bancshares: Q1 Earnings Snapshot - KTVB — KTVB positive
Generated 2026-06-17T12:56:53Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
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.
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Rating Breakdown
1 floor-breaker
Growth below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $75.44 — A.R:R is negative (-0.3) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: Mexico-domiciled deposits (32.0%). Chart setup: Golden cross, above all MAs, RSI 61, MACD bullish. Prior stop was $72.70. Score 5.3/10, moderate confidence.
Take-profit target: $75.57 (+0.1% upside). Prior stop was $72.70. Stop-loss: $72.70.
Concentration risk — Loan Portfolio: Mexico-domiciled deposits (32.0%); Analyst target reached - limited upside remaining; Near 52-week high (1.7% away).
International Bancshares Corpor trades at a P/E of 11.4 (forward N/A). TrendMatrix value score: 5.6/10. Verdict: Sell.
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.