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Upturn AI SWOT - About
IBOC 
International Bancshares Corporation (IBOC)
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Upturn Advisory Summary
10/14/2025: IBOC (1-star) is a SELL. SELL since 3 days. Simulated Profits (1.95%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -17.21% | Avg. Invested days 38 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.14B USD | Price to earnings Ratio 10.13 | 1Y Target Price 22 |
Price to earnings Ratio 10.13 | 1Y Target Price 22 | ||
Volume (30-day avg) - | Beta 0.84 | 52 Weeks Range 54.11 - 76.08 | Updated Date 06/29/2025 |
52 Weeks Range 54.11 - 76.08 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.10% | Basic EPS (TTM) 6.57 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 50.85% | Operating Margin (TTM) 63.25% |
Management Effectiveness
Return on Assets (TTM) 2.58% | Return on Equity (TTM) 15.2% |
Valuation
Trailing PE 10.13 | Forward PE - | Enterprise Value 4275402752 | Price to Sales(TTM) 5.14 |
Enterprise Value 4275402752 | Price to Sales(TTM) 5.14 | ||
Enterprise Value to Revenue 5.18 | Enterprise Value to EBITDA - | Shares Outstanding 62141900 | Shares Floating 55997341 |
Shares Outstanding 62141900 | Shares Floating 55997341 | ||
Percent Insiders 13.45 | Percent Institutions 69.89 |
Upturn AI SWOT
International Bancshares Corporation
Company Overview
History and Background
International Bancshares Corporation (IBOC) was founded in 1966 and is headquartered in Laredo, Texas. It operates as a multi-bank financial holding company, primarily serving the South Texas and Oklahoma markets. The company has grown through acquisitions and organic expansion, focusing on commercial and retail banking services.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products and services, including loans for working capital, expansion, and real estate development.
- Retail Banking: Offers deposit accounts, personal loans, and other retail banking services to individuals and small businesses.
- Wealth Management: Provides wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
Dennis E. Nixon serves as the Chairman of the Board and CEO. The organizational structure includes various regional presidents and senior management responsible for different business lines.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant portion of IBOC's portfolio, catering to diverse industries in South Texas and Oklahoma. Market share data is not publicly available, but IBOC is a major player in its regional markets. Competitors include larger national and regional banks such as Wells Fargo, Bank of America, and regional players like Frost Bank.
- Deposit Accounts: IBOC offers a variety of deposit accounts, including checking, savings, and money market accounts. Deposit market share varies by region and is competitive with other local and national banks. Competitors include regional and national banks such as JPMorgan Chase and Citibank.
Market Dynamics
Industry Overview
The banking industry is currently facing a challenging environment with rising interest rates, increased regulatory scrutiny, and increasing competition from fintech companies. The industry is consolidating, with larger banks acquiring smaller players.
Positioning
IBOC is a strong regional bank with a focus on the South Texas and Oklahoma markets. Its competitive advantages include a strong local presence, long-standing customer relationships, and a focus on personalized service.
Total Addressable Market (TAM)
The TAM for community banking in Texas and Oklahoma is estimated to be in the billions of dollars. IBOC is positioned to capture a portion of this market through its existing branch network and expansion efforts.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Long-standing customer relationships
- Experienced management team
- Solid capital base
Weaknesses
- Geographic concentration
- Limited scale compared to larger national banks
- Reliance on traditional banking services
- Higher expense ratio
Opportunities
- Expansion into new markets within Texas and Oklahoma
- Increased adoption of digital banking services
- Growing demand for commercial loans
- Acquisition opportunities
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in Texas and Oklahoma
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- WFC
- BAC
- FRO
Competitive Landscape
IBOC faces competition from larger national banks and other regional banks. Its advantages include a strong local presence and customer relationships. Disadvantages include limited scale and geographic concentration.
Major Acquisitions
BNB Financial Services Corporation
- Year: 2020
- Acquisition Price (USD millions): 135
- Strategic Rationale: Expanded IBOC's presence in the Houston market and added new customers.
Growth Trajectory and Initiatives
Historical Growth: IBOC has demonstrated steady growth through organic expansion and acquisitions. The company has focused on expanding its presence in Texas and Oklahoma.
Future Projections: Analyst estimates suggest continued growth for IBOC, driven by increasing demand for commercial loans and deposit services. Growth rates depend on economic conditions and the company's ability to execute its strategic initiatives.
Recent Initiatives: Recent initiatives may include investments in digital banking technology, expansion into new markets, or acquisitions of smaller banks.
Summary
International Bancshares Corporation is a solid regional bank with a strong presence in South Texas and Oklahoma. The company benefits from long-standing customer relationships and a conservative lending approach. Potential headwinds include rising interest rates and increased competition from larger banks and fintech companies. Continued strategic investments in technology and expansion efforts will be critical for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute investment advice. Financial data provided is hypothetical and should not be considered actual performance.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About International Bancshares Corporation
Exchange NASDAQ | Headquaters Laredo, TX, United States | ||
IPO Launch date 1996-05-30 | CEO & President of International Bank of Commerce - San Antonio Mr. Mike K. Sohn | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2103 | Website https://www.ibc.com |
Full time employees 2103 | Website https://www.ibc.com | ||
International Bancshares Corporation, a multibank financial holding company, provides a range of commercial and retail banking services in Texas and the State of Oklahoma. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company 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.
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