IBOC logo

INTERNATIONAL BANCSHARES CRP

IBOCNASDAQ
πŸ† #1434 by market capEarnings Nov 4US Equity
$68.94β–Ό $0.59 (βˆ’0.85%)
πŸŒ™ After hours$68.94β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–Ό 0.8%
7dβ–Ό 1.2%
14dβ–Ό 3.6%
30dβ–Ό 2.9%
ytdβ–² 3.9%
1yβ–² 0.1%
🏦Market Cap
$4.29B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+1.0%
Slowing
πŸ“ŠGross Margin
78.7%
High
πŸ’΅FCF Margin
42.5%
Strong
βš–οΈP/S Ratio
4.1x
Fair
Otter Score
72
Fair

Trading Snapshot

Day Range
$68.57 – $70.11
52-Week Range
$63.20 – $78.46
Volume
$2.93B
Avg Volume
$2.43B
Shares Outstanding
62.2M
Next Earnings
Dec 16, 2026

Fundamentals Snapshot

Annual Revenue
$1.05B
Last Q Revenue
$264M
P/E Ratio
10.5
P/S Ratio
4.1x
EPS (TTM)
$6.65
Dividend Yield
2.10%
Dilution (1yr)
βˆ’0.1%

Why Investors Own IBOC

  • βœ“High-growth profile β€” revenue up +54.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 33% gross margin and 19% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

IBOC logo

INTERNATIONAL BANCSHARES CRP

IBOC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.1Bβ–² +1.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
78.3%β–² +1.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$520Mβ–² +2.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$473Mβ–² +2.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
62.2Mβ–Ό βˆ’0.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$168Mβ–² +$134M YoY
StockOtter Β· stockotter.space

About INTERNATIONAL BANCSHARES CRP

International Bancshares Corporation (IBC), functioning as a financial holding company, delivers a comprehensive array of commercial and retail banking services. The institution facilitates checking and savings deposits and extends various loan products, including financing for commercial ventures, real estate, personal needs, home improvements, automobiles, and other installment or term-based credit. Moreover, IBC specializes in international banking, offering services such as letters of credit, commercial and industrial lending, and foreign currency exchange. Its supplementary offerings feature credit cards, secure safety deposit boxes, collection services, notary public, and escrow. The company also provides the convenience of drive-up and walk-up facilities, alongside other standard banking operations, online banking platforms, and access to securities products facilitated by external providers. As of February 28, 2022, International Bancshares Corporation maintained a substantial presence with 170 branch locations and 263 ATMs, serving 76 distinct communities across Texas and Oklahoma. Established in 1966, the corporation's primary corporate office is located in Laredo, Texas.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Ratings

β“˜
Consensus
Buy
7 analysts
Strong Buy2
Buy4
Hold1
Sell0
Strong Sell0
Ratings as of Sep 2026

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