International Bancshares Corpor (IBOC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

International Bancshares Corpor

NasdaqGS•Financial Services•Banks - Regional

$70.93-0.56(-0.01%)Pre-market

Market Cap

$4.37B

P/E

10.7x

P/S

4.1x

P/B

1.3x

International Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It 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, collections, escrow, drive up and walk up facilities, and other customary banking services; and internet and mobile banking services, as well as securities products through third party providers. The company offers its banking services through ATM network and retail locations in shopping malls and other places. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.

How this company scores

GoodMetricSide Score: 72/100

Strongest: Profitability (20/25); weakest: Growth (14/25).

Profitability20/25

Growth14/25

Balance Sheet & Red Flags20/25

Cash & Earnings Quality18/25

Strengths

Strong marginsLow leverageCash-backed earningsConsistent free cash flow

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.7x5y range 7.0x – 17.7x

Currently near its 20-quarter median.

P/S · 4.1x5y range 2.7x – 5.2x

Currently near its 20-quarter median.

P/B · 1.3x5y range 0.8x – 1.4x

Price & Volume

Market Cap $4.37B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.06B
Q. Revenue: $264.13M
TTM EBITDA: $536.53M
TTM Op. Income: $512.95M
Q. Op. Income: $121.11M
TTM Net Income: $406.51M
Q. Net Income: $95.81M
EPS: $1.54
Shares Out.: $62.18M

$1.06B in TTM revenue grew 2.3% YoY, reaching $264.13M last quarter. TTM EBITDA of $536.53M and TTM operating income of $512.95M show growth is flowing through to the bottom line. TTM net income of $406.51M means revenue is converting into profit. Over the past year, TTM revenue is up 2% — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 81.3%
EBITDA Margin: 48.2%
Op. Margin: 45.9%
Net Margin: 36.3%

Op. margin of 45.9% is down 2.3% YoY — costs are rising relative to revenue. Net margin at 36.3% and gross margin of 81.3% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 5% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.7x
P/S Ratio: 4.1x
P/B Ratio: 1.3x

At 10.7x P/E, the stock trades below typical market levels. P/S of 4.1x and P/B of 1.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 7% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $17.02B
Cash: $451.16M
Long-Term Debt: $108.87M
Book Value: $3.38B
D/E Ratio: 0.0
Debt/EBITDA: 0.9

With $17.02B in assets and $108.87M in long-term debt, D/E is 0.0and book value is $3.38B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $94.22M
TTM Free Cash Flow: $408.45M
FCF Margin: 38.7%
FCF / Net Income: 1.0

TTM FCF of $408.45M on $94.22M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 14% — a weakening trend.