Stocks · Financial Services · Banks - Regional
International Bancshares Corporation IBOC
$69.84 +1.04% Close, Oct 2, 2026 · NASDAQ · Market cap $4.34B
High quality
Next earnings report: Nov 5, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Revenue over the last four quarters was $1.06B, up 2.1% from a year earlier.
- Diluted EPS over the last four quarters was $6.63, up 0.2% year over year.
- Over the past year the stock returned +1.8%, behind the S&P 500 by 13.3 percentage points.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 32%
- EPS growth (TTM, YoY)Bottom 29%
- FCF growth (TTM, YoY)Bottom 33%
- Revenue growth, 3-year CAGRBottom 47%
- Revenue growth accelerationTop 47%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 41%
- Gross marginTop 18%
- Operating marginTop 7%
- Cash conversion (OCF / net income)Bottom 48%
- Accruals (lower is better)Top 48%
- Net debt / EBITDA (lower is better)Top 40%
- Interest coverTop 27%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 20%
- Free-cash-flow yieldTop 33%
- EBITDA / enterprise valueTop 20%
- Sales / enterprise valueBottom 31%
- P/E vs own 5-year history (lower is better)Bottom 45%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 35%
- 6-month returnBottom 43%
- 1-year return vs S&P 500Bottom 37%
- Distance from 52-week highBottom 48%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 27%
- Consecutive EPS beatsBottom 17%
- Upside to consensus price targetTop 32%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 23%
- Maximum drawdown, 3 yearsTop 37%
- Beta vs S&P 500 (lower is better)Bottom 48%
- Net debt / EBITDA (lower is better)Top 40%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 2.1% | 2.1% | ↑ |
| EPS growth (YoY) | 2.0% | 0.2% | ↓ |
| Gross margin | 77.6% | 78.7% | ↑ |
| Operating margin | 48.7% | 49.2% | ↑ |
| FCF margin | 43.2% | 42.5% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 2.1% | 2.1% | ↑ | Bottom 32% |
| EPS growth (TTM, YoY) | 0.2% | 2.0% | ↓ | Bottom 29% |
| Gross margin | 78.7% | 77.6% | ↑ | Top 18% |
| Operating margin | 49.2% | 48.7% | ↑ | Top 7% |
| Net margin | 38.8% | 39.5% | ↓ | — |
| Free-cash-flow margin | 42.5% | 43.2% | ↓ | — |
| Return on invested capital | 2.4% | — | Top 41% | |
| Revenue growth, 3-year CAGR | 13.9% | — | Bottom 47% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.14×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +1.8 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.51×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 2.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.05%
- Net buyback yield (TTM)
- -0.03%
- Shareholder yield
- 2.02%
- Share count change, 1 year
- +0.0%
- Share count change, 3-year CAGR
- +0.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 1 of 3
- Average EPS surprise, last 4
- -0.6%
- Average 2-day reaction, last 8
- -0.5%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $85.00
- Target vs current price
- +21.7%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | -4.3% | -1.0% | -4.2% | -7.0% | — |
| May 7, 2026 | -2.4% | +1.0% | -1.8% | +0.5% | +5.0% |
| Feb 26, 2026 | +4.9% | +1.3% | -1.8% | -3.1% | +2.8% |
| Nov 6, 2025 | — | -2.0% | -4.5% | +0.4% | +5.5% |
| Aug 7, 2025 | — | -0.7% | +2.2% | +4.4% | -4.6% |
| May 5, 2025 | — | -0.0% | +0.6% | -0.0% | +9.1% |
| Feb 27, 2025 | — | +0.8% | -4.0% | -2.5% | -3.8% |
| Nov 7, 2024 | — | -3.5% | -1.8% | -1.1% | -7.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $1.54 | $1.61 | -4.3% | $264.1M |
| May 7, 2026 | $1.64 | $1.68 | -2.4% | $257.3M |
| Feb 26, 2026 | $1.71 | $1.63 | +4.9% | $270.6M |
| Nov 6, 2025 | $1.74 | — | — | $272.6M |
| Aug 7, 2025 | $1.61 | — | — | $261.6M |
| May 5, 2025 | $1.56 | — | — | $251.6M |
| Feb 27, 2025 | $1.85 | — | — | $262.9M |
| Nov 7, 2024 | $1.60 | — | — | $266.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.5× | 10.1× | 62th | Top 20% |
| P/E (forward) | 10.9× | — | — | — |
| EV / EBITDA | 8.4× | — | — | Top 20% |
| EV / Sales | 4.34× | — | — | Bottom 31% |
| Free-cash-flow yield | 10.43% | — | — | Top 33% |
| Earnings yield | 9.49% | — | — | Top 20% |
P/E over the past five years
Range 6.9× – 12.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +1.8%
- Earnings per share growth (TTM)
- +0.2%
- Change in P/E multiple
- +8.9%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.1%
- 200-day average slope (20 days)
- +0.3%
- Distance from 50-day average
- -3.1%
- Distance from 200-day average
- -2.4%
- RSI (14)
- 45.1
- Relative volume
- 0.97×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 14.3%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.72
- Correlation with S&P 500
- 0.43
- Current drawdown from 1-year high
- -10.3%
- Maximum drawdown, 3 years
- -24.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 12, 2021 | Jul 22, 2021 | -26.8% | 91 days | 328 days (Nov 8, 2022) |
| Nov 25, 2024 | Apr 8, 2025 | -24.9% | 90 days | 294 days (Jun 10, 2026) |
| Nov 10, 2022 | May 4, 2023 | -23.8% | 119 days | 162 days (Dec 26, 2023) |
| Jul 26, 2024 | Aug 7, 2024 | -17.8% | 8 days | 64 days (Nov 6, 2024) |
| Jul 16, 2026 | Sep 30, 2026 | -12.0% | 53 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.34B
- P/E (TTM)
- 10.5
- EPS, diluted (TTM)
- $6.63
- Revenue (TTM)
- $1.06B
- Dividend yield
- 2.09%
- 52-week range
- $63.20 – $78.46
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $620.4M | $712.9M | $970.1M | $1.04B | $1.05B |
| Gross profit | $585.6M | $653.1M | $798.9M | $801.8M | $824.7M |
| Operating income | $322.3M | $382.6M | $523.5M | $508.7M | $520.4M |
| Net income | $253.9M | $300.2M | $411.8M | $409.2M | $412.3M |
| EPS (diluted) | $4.00 | $4.78 | $6.62 | $6.57 | $6.62 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $266.5M | $262.9M | $251.6M | $261.6M | $272.6M | $270.6M | $257.3M | $264.1M |
| Net income | $99.8M | $115.1M | $96.9M | $100.1M | $108.4M | $106.9M | $102.2M | $95.8M |
| EPS (diluted) | $1.60 | $1.85 | $1.56 | $1.61 | $1.74 | $1.71 | $1.64 | $1.54 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $291.7M | $387.9M | $474.4M | $473.9M | $491.1M |
| Capital expenditure | -$10.4M | -$19.2M | -$27.5M | -$14.1M | -$18.1M |
| Free cash flow | $281.3M | $368.7M | $446.9M | $459.8M | $472.9M |
| Dividends paid | -$72.8M | -$75.4M | -$78.2M | -$82.1M | -$87.1M |
| Net share buybacks | $1.7M | -$50.5M | -$3.4M | $2.8M | -$3.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $451.2M
- Total assets
- $17.02B
- Total liabilities
- $13.65B
- Total debt
- $731.0M
- Net debt
- $279.9M
- Shareholders’ equity
- $3.38B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.73 | Aug 28, 2026 |
| Feb 13, 2026 | $0.73 | Feb 27, 2026 |
| Aug 15, 2025 | $0.70 | Aug 29, 2025 |
| Feb 14, 2025 | $0.70 | Feb 28, 2025 |
| Aug 14, 2024 | $0.66 | Aug 28, 2024 |
| Feb 14, 2024 | $0.66 | Feb 28, 2024 |
| Feb 8, 2024 | $0.66 | Feb 28, 2024 |
| Aug 10, 2023 | $0.63 | Aug 25, 2023 |
Short interest
- Shares sold short
- 2,097,139
- Days to cover
- 6.13
- Change vs previous report
- +17.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 17, 2007
- 11-for-10
- Jun 1, 2005
- 5-for-4
- Jun 1, 2004
- 5-for-4
- Jun 17, 2003
- 5-for-4
- Jun 17, 2002
- 5-for-4