International Bancshares Corporation (IBOC)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$67.65

+0.50 (+0.74%)

Market Cap: $4.18B

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Performance (10Y)

Beat Rate

33%(1/3)

Avg Surprise

-0.61%

Upcoming Estimates

Period ending Sep 30, 2026

EPS Consensus$1.58

Range$1.58 - $1.58

1 analysts

EPS RevisionsNo revisions (7d)

30d

EPS Estimate DriftChange to current

90d ago$1.67-5.4%

60d ago$1.65-4.2%

30d ago$1.65-4.2%

7d ago$1.65-4.2%

Current$1.58

Revenue Consensus

Range$0 - $0

0 analysts

Period ending Dec 31, 2026

EPS Consensus$1.52

Range$1.52 - $1.52

1 analysts

Revenue Consensus

Range$0 - $0

0 analysts

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$1.52	$1.52 - $1.52	-	-	1	-	-
Sep 30, 2026Sep 26EST	-	$1.58	$1.58 - $1.58	-	-	1	0 1 30d	-
Jun 30, 2026Jun 26 Reported Aug 6, 2026Reported Aug 6	$1.54	$1.61	$1.61 - $1.61	-4.35%	Miss	1	0 1 30d	-4.3%
Mar 31, 2026Mar 26 Reported May 7, 2026Reported May 7	$1.64	$1.68	$1.68 - $1.68	-2.38%	Miss	1	0 1 30d	+5.5%
Dec 31, 2025Dec 25 Reported Feb 26, 2026Reported Feb 26	$1.71	$1.63	-	+4.91%	Beat	1	No revisions (30d)	-7.4%
Sep 30, 2025Sep 25 Reported Nov 6, 2025Reported Nov 6	$1.74	N/A	-	N/A	Beat	-	-	+8.7%
Jun 30, 2025Jun 25 Reported Aug 7, 2025Reported Aug 7	$1.61	$0.00	-	N/A	Beat	-	-	+3.4%
Mar 31, 2025Mar 25 Reported May 5, 2025Reported May 5	$1.56	N/A	-	N/A	Beat	-	-	-0.5%
Dec 31, 2024Dec 24 Reported Feb 27, 2025Reported Feb 27	$1.85	N/A	-	N/A	Beat	-	-	+8.0%
Sep 30, 2024Sep 24 Reported Nov 7, 2024Reported Nov 7	$1.60	N/A	-	N/A	Beat	-	-	-3.5%
Jun 30, 2024Jun 24 Reported Aug 1, 2024Reported Aug 1	$1.56	N/A	-	N/A	Beat	-	-	-3.6%
Mar 31, 2024Mar 24 Reported May 2, 2024Reported May 2	$1.56	N/A	-	N/A	Beat	-	-	-4.1%
Dec 31, 2023Dec 23 Reported Feb 26, 2024Reported Feb 26	$1.71	N/A	-	N/A	Beat	-	-	+1.8%
Sep 30, 2023Sep 23 Reported Nov 2, 2023Reported Nov 2	$1.66	N/A	-	N/A	Beat	-	-	+24.2%
Jun 30, 2023Jun 23 Reported Aug 3, 2023Reported Aug 3	$1.62	N/A	-	N/A	Beat	-	-	+75.6%
Mar 31, 2023Mar 23 Reported May 4, 2023Reported May 4	$1.63	N/A	-	N/A	Beat	-	-	+94.0%
Dec 31, 2022Dec 22 Reported Feb 23, 2023Reported Feb 23	$1.68	N/A	-	N/A	Beat	-	-	+88.8%
Sep 30, 2022Sep 22 Reported Nov 3, 2022Reported Nov 3	$1.34	N/A	-	N/A	Beat	-	-	+55.4%
Jun 30, 2022Jun 22 Reported Aug 4, 2022Reported Aug 4	$0.92	N/A	-	N/A	Beat	-	-	-36.6%
Mar 31, 2022Mar 22 Reported May 5, 2022Reported May 5	$0.84	N/A	-	N/A	Beat	-	-	+5.0%
Dec 31, 2021Dec 21 Reported Feb 24, 2022Reported Feb 24	$0.89	N/A	-	N/A	Beat	-	-	+17.1%
Sep 30, 2021Sep 21 Reported Nov 4, 2021Reported Nov 4	$0.86	N/A	-	N/A	Beat	-	-	+28.4%
Jun 30, 2021Jun 21 Reported Aug 5, 2021Reported Aug 5	$1.45	N/A	-	N/A	Beat	-	-	+123.1%
Mar 31, 2021Mar 21 Reported May 6, 2021Reported May 6	$0.80	N/A	-	N/A	Beat	-	-	+50.9%
Dec 31, 2020Dec 20 Reported Feb 25, 2021Reported Feb 25	$0.76	N/A	-	N/A	Beat	-	-	-3.8%
Sep 30, 2020Sep 20 Reported Nov 5, 2020Reported Nov 5	$0.67	N/A	-	N/A	Beat	-	-	-14.1%
Jun 30, 2020Jun 20 Reported Aug 6, 2020Reported Aug 6	$0.65	N/A	-	N/A	Beat	-	-	-14.5%
Mar 31, 2020Mar 20 Reported May 7, 2020Reported May 7	$0.53	N/A	-	N/A	Beat	-	-	-32.9%
Dec 31, 2019Dec 19 Reported Feb 27, 2020Reported Feb 27	$0.79	N/A	-	N/A	Beat	-	-	-8.1%
Sep 30, 2019Sep 19 Reported Nov 6, 2019Reported Nov 6	$0.78	N/A	-	N/A	Beat	-	-	+1.3%
Jun 30, 2019Jun 19 Reported Aug 8, 2019Reported Aug 8	$0.76	N/A	-	N/A	Beat	-	-	-3.8%
Mar 31, 2019Mar 19 Reported May 9, 2019Reported May 9	$0.79	N/A	-	N/A	Beat	-	-	-1.3%
Dec 31, 2018Dec 18 Reported Feb 27, 2019Reported Feb 27	$0.86	N/A	-	N/A	Beat	-	-	+36.5%
Sep 30, 2018Sep 18 Reported Nov 7, 2018Reported Nov 7	$0.77	N/A	-	N/A	Beat	-	-	+30.5%
Jun 30, 2018Jun 18 Reported Aug 7, 2018Reported Aug 7	$0.79	N/A	-	N/A	Beat	-	-	+29.5%
Mar 31, 2018Mar 18 Reported May 8, 2018Reported May 8	$0.80	N/A	-	N/A	Beat	-	-	+66.7%
Dec 31, 2017Dec 17 Reported Feb 28, 2018Reported Feb 28	$0.63	N/A	-	N/A	Beat	-	-	+31.3%
Sep 30, 2017Sep 17 Reported Nov 8, 2017Reported Nov 8	$0.59	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Aug 7, 2017Reported Aug 7	$0.61	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported May 8, 2017Reported May 8	$0.48	N/A	-	N/A	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Feb 27, 2017Reported Feb 27	$0.48	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield2.16%

Forward Annual Dividend$1.46

Payout Ratio21.97%

FrequencySemi-Annual

Pay MonthsFeb, Aug

Growth

3Y CAGR+5.27%

5Y CAGR+4.94%

IBOC dividend history and ex-dividend dates Run IBOC in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	10.20	EV/EBITDA	8.12x
Price/FCF	9.29x	FCF Yield	10.76%
Profitability
Profit Margin	49.30%	Operating Margin	60.50%
ROE	12.90%	ROIC	10.06%
Financial Health
Debt/Equity	0.22x	Interest Coverage	2.55x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.70	Avg Volume	405.94K
52-Week High	$77.68	52-Week Low	$61.94

Technical Indicators Dashboard

Moving Averages

SMA 10$68.26

SMA 20$68.87

SMA 50$70.47

SMA 200$71.00

EMA 10$68.09

EMA 20$68.80

EMA 50$70.29

EMA 200$70.54

MACD

Line: -0.93Signal: -0.84Hist: -0.09

ADX

ADX: 32.2+DI: 17.1-DI: 30.0

Aroon & PSAR

Aroon Up12.0

Aroon Down96.0

PSAR$69.82

Bollinger Bands

Upper Band$70.78

Lower Band$66.95

%B Position555%(Upper)

Band Width0.18

RSI (14-Day)

Neutral

36.7

Momentum Oscillators

Stoch %K17.8

Stoch %D11.3

Williams %R-68.5

ROC (10d)-2.1%

Momentum-1.47

CCI (20d)-93.0

MFI (14d)39.6

Volatility Measures

ATR (14d)$1.10(1.6%)

StdDev (20d)0.96

Hist Vol10.8%(Low)

Volume Flow

VWAP$67.78

OBV-3.9M

AD Line-79.8M

CMF (20d)-0.113

Volume Metrics

Avg Vol (20d)408.4K

Vol Ratio1.1x

VWMA (20d)$68.97

Pivot Points

R3$69.10

R2$68.41

R1$67.78

Pivot Point$67.09

S1$66.46

S2$65.77

S3$65.14

Advanced Oscillators

TSI-27.49

Ultimate Osc39.6

KST-36.30

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$214.82M	$208.46M	$217.71M	$218.08M	$208.16M	$198.22M	$208.26M	$211.78M	$207.75M	$205.85M	$211.03M	$212.71M
Cost of Revenue	N/A	$52.00M	$57.95M	$56.37M	$57.87M	$56.75M	$56.08M	$63.32M	$60.21M	$61.46M	$51.88M	$47.32M
Gross Profit	N/A	$205.29M	$212.69M	$216.25M	$203.76M	$194.89M	$206.81M	$203.18M	$198.98M	$192.87M	$204.33M	$202.24M

Operating Expenses	$82.61M	$76.05M	$75.38M	$79.76M	$77.80M	$73.78M	$73.15M	$76.22M	$74.11M	$69.64M	$68.59M	$71.20M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$129.39M	$136.79M	$136.49M	$125.96M	$121.12M	$133.65M	$126.97M	$124.87M	$123.23M	$135.74M	$131.04M

Interest Income	$220.41M	$214.60M	$223.89M	$226.78M	$220.97M	$214.64M	$215.56M	$222.66M	$215.67M	$212.09M	$209.71M	$204.18M
Interest Expense	$49.31M	$48.97M	$52.41M	$54.55M	$53.47M	$53.42M	$54.63M	$54.72M	$51.44M	$48.48M	$45.18M	$36.85M
Income Before Tax	$121.11M	$129.39M	$136.79M	$136.49M	$125.96M	$121.12M	$133.65M	$126.97M	$124.87M	$123.23M	$135.74M	$131.04M
Income Tax Expense	$25.30M	$27.20M	$29.91M	$28.12M	$25.82M	$24.23M	$18.57M	$27.20M	$27.89M	$25.90M	$29.36M	$27.77M

Net Income	$95.81M	$102.19M	$106.88M	$108.38M	$100.14M	$96.89M	$115.08M	$99.77M	$96.98M	$97.33M	$106.38M	$103.26M

EBITDA	$128.23M	$136.51M	$144.43M	$143.30M	$132.56M	$127.90M	$140.61M	$133.97M	$131.94M	$130.28M	$142.98M	$138.26M
EBIT	$121.11M	$129.39M	$136.79M	$136.49M	$125.96M	$121.12M	$133.65M	$126.97M	$124.87M	$123.23M	$135.74M	$131.04M

* Some calculated fields are derived from available data when not provided by source

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News

International Bancshares Corpor (IBOC) Stock Forecasts

This article provides an overview of International Bancshares Corp (IBOC) and highlights an analyst report from Argus. The report, dated October 7, 2026, offers insights into IBOC...

Yahoo! Finance Canada•Oct 14, 2026 12:14 PM ET10/14/26•Neutral

International Bancshares Announced Transfer or Voluntary Withdrawal of Listing

International Bancshares (IBOC) has announced its intention to voluntarily delist from Nasdaq and transfer its listing to the Texas Stock Exchange (TXSE). Trading on Nasdaq is expected to cease after October 16, 2026...

TradingView•Oct 6, 2026 8:27 AM ET10/6/26•Neutral

A planned Nasdaq exit requires no shareholder action at International Bancshares (NASDAQ: IBOC).

International Bancshares Corporation (IBOC) announced its plan to transfer its primary stock listing from Nasdaq to the Texas Stock Exchange (TXSE), with trading expected to begin on TXSE on October 19...

Stock Titan•Oct 6, 2026 8:27 AM ET10/6/26•Neutral

A Texas company's shares are expected to switch exchanges, but its stock symbol stays IBOC.

International Bancshares Corporation (IBC) plans to transfer its primary stock listing from Nasdaq to the new Texas Stock Exchange (TXSE), with trading expected to begin on October 19...

Stock Titan•Oct 6, 2026 8:02 AM ET10/6/26•Somewhat-Bullish

International Bancshares Corpor (IBOC) Stock forecasts

Argus has lowered its target price for International Bancshares Corp (IBOC) to $65.00 from its previous valuation. The company, a multibank financial holding company, operates in Texas and Oklahoma...

Yahoo Finance Singapore•Oct 3, 2026 9:28 PM ET10/3/26•Somewhat-Bearish

IBOC Valuation and Fair Value

P/E: 10.2x
Forward P/E: 9.8x
EV/EBITDA: 8.1x
P/FCF: 9.3x
PEG: 1.0x
P/B: 1.2x

See GNG's fair value

IBOC Profitability: Margins, ROIC and FCF

Operating margin: 60.5%
Net margin: 49.3%
ROIC: 10.1%
ROE: 12.9%
FCF margin: 52.7%
FCF yield: 10.8%

IBOC Competitors

Company	Ticker
Blue Owl Technology Finance Corp.	OTF
Fulton Financial Corporation	FULT
ServisFirst Bancshares Inc	SFBS
SLM Corp	SLM
Accelerant Holdings	ARX
Sezzle Inc.	SEZL
Enova International Inc	ENVA
Federated Investors Inc B	FHI

Sector: Financial Services

IBOC Bull Case vs Bear Case

Bull case

IBOC converts 52.7% of revenue into free cash flow.
IBOC has a 49.3% net profit margin.
IBOC beat EPS estimates in 75.0% of its last 8 reported quarters.

IBOC Earnings: Beat Rate and Next Report

Beat rate: 6 of 8 quarters (75.0%)
Average surprise: 24.5%
EPS estimate (fiscal period ending Sep 30, 2026): $1.58
Estimate revisions (30 days, fiscal period ending Sep 30, 2026): 0 up, 1 down

IBOC Dividend

Forward yield: 2.2%
Payout ratio: 22.0%
3Y DPS growth: 5.3%
5Y DPS growth: 4.9%
Pay months: Feb, Aug

IBOC dividend history

Frequently Asked Questions About IBOC

What is IBOC's current dividend yield?

International Bancshares Corporation (IBOC) has a forward dividend yield of 2.16%.

Does IBOC pay dividends?

Yes, International Bancshares Corporation pays dividends with a forward dividend yield of 2.16%.

What is IBOC's P/E ratio?

International Bancshares Corporation has a price-to-earnings (P/E) ratio of 10.20.

What is IBOC's market cap?

International Bancshares Corporation (IBOC) has a market capitalization of $4.18B with a current stock price of $67.65.

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