Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
IBOC 
International Bancshares Corporation (IBOC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/28/2025: IBOC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -9.67% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
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. It has grown through acquisitions and organic expansion, primarily serving the South Texas and Oklahoma markets. It has focused on serving the needs of small to medium-sized businesses and individuals, particularly those involved in international trade.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including loans, deposit accounts, and cash management services to businesses.
- Retail Banking: Offers retail banking services, such as checking and savings accounts, mortgages, and consumer loans to individuals.
- Wealth Management: Provides wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
Dennis E. Nixon serves as Chairman and CEO. The company operates with a traditional hierarchical structure, with regional presidents overseeing branch operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a primary revenue driver, used by businesses to finance operations and expansion. Competitors include larger national banks and regional banks in Texas and Oklahoma. Market share is regional and not readily available nationally but IBOC is a key player in its core markets. Revenue figures are included in the overall financial performance data.
- Retail Mortgages: IBOC provides mortgage products to individual clients. Market share data is available regionally and varies. Competitors include national mortgage lenders, credit unions and other regional banks. Revenue figures are included in the overall financial performance data.
- Deposit Accounts: Deposit accounts are a fundamental offering. The competitors include national banks, credit unions and online banks. Revenue figures are included in the overall financial performance data.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and increased competition from fintech companies. The economy in Texas and Oklahoma are significant drivers.
Positioning
IBOC is positioned as a community-focused bank with a strong presence in South Texas and Oklahoma. Its focus on relationship banking provides a competitive advantage. It has a reputation for serving international trade customers.
Total Addressable Market (TAM)
The TAM for banking services in Texas and Oklahoma is significant, in the trillions of dollars. IBOC's market capitalization places it as a mid-sized regional bank with a moderate share of this TAM.
Upturn SWOT Analysis
Strengths
- Strong presence in South Texas and Oklahoma
- Focus on relationship banking
- Experienced management team
- Healthy Capital Ratios
Weaknesses
- Geographic concentration
- Limited product diversification compared to larger banks
- Dependence on regional economies
- Potential Impact from Mexican Economy given proximity
Opportunities
- Expansion into new markets within Texas and Oklahoma
- Increased demand for wealth management services
- Growing international trade in the region
- Adoption of fintech to improve efficiency
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Texas or Oklahoma
- Rising interest rates
- Changes in regulations
Competitors and Market Share
Key Competitors
- Prosperity Bancshares (PB)
- Comerica (CMA)
- Texas Capital Bancshares (TCBI)
Competitive Landscape
IBOC is a smaller regional bank compared to some of its competitors. It is known for its relationship banking and focus on South Texas and Oklahoma. Its smaller size can limit its ability to compete on price with larger banks, but it benefits from local knowledge.
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be observed by looking at the growth of key financial metrics, such as revenue and net income, over the past five to ten years.
Future Projections: Future projections are based on analyst estimates gathered from financial websites. This needs to be sourced from analyst ratings.
Recent Initiatives: Recent initiatives are extracted from the company's earnings call transcripts, press releases, and investor presentations. Potential examples: branch expansion or acquisition announcements.
Summary
International Bancshares Corporation is a regional bank with a strong presence in South Texas and Oklahoma. It focuses on relationship banking and has demonstrated steady growth. The main risks involve competition from larger banks and the health of the regional economies. Strengths include geographic focus and experience in international trade related business.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Outlets
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is dynamic and subject to change. Consult with a qualified financial advisor before making any investment decisions.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.