International Bancshares Corpor (IBOC) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $1.84
- Estimate
- $1.58
- Surprise
- +16.5%
- Revenue (period 2026-09-30)
- $225.9M
- Score at report (before → after)
- 5.1 → 5.2/10
Revenue source: xbrl.
How the report landed
International Bancshares Corpor (IBOC) beat the $1.58 estimate with adjusted EPS of $1.84 — a large 16.5% upside surprise. TrendMatrix's engine moved from Hold (5.1/10) to Sell at 5.2/10 after the report.
Where TrendMatrix's rating stands now
TrendMatrix currently rates IBOC Sell at 5.1/10.
2 of the last 4 quarters beat the estimate; this quarter's +16.5% surprise compares with a +3.7% four-quarter average.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Attractive valuation
What argues against it
- Thin upside margin: 8.3%
- V7 low-quality RISK_OFF penalty: -0.5 (Q=4.9)
- Consecutive earnings misses (2)
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $68.28
- Price target
- $73.95
- Stop
- $64.52
- Upside to target
- +8.3%
- Reward-to-risk
- 1.5:1
Model outputs from TrendMatrix’s engine as of 2026-11-06 — shown for context, not personalized investment advice.
IBOC at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Banks - Regional
- Market cap
- $4.25B
- P/E (ttm)
- 10.2
- 52-week range
- $63.20–$78.46
- Off 52-week high
- 13.0%
- RSI (14)
- 61
- Volume vs avg
- 0.09×
- Score today
- 5.1/10