International Bancshares Corporation (IBOC) is a Financials stock trading at $71.71 (as of 2026-08-20), with a market capitalization of $4.46B and a trailing P/E of 10.7. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
International Bancshares Corporation is a financial holding company providing commercial and retail banking, including deposit products and a range of loans such as commercial, real estate, personal, home improvement, and installment lending. It also offers international banking services like letters of credit, foreign exchange, and related banking services, serving customers in Texas and Oklahoma through bank locations and ATMs.
International Bancshares provides commercial and retail banking by taking checking and savings deposits and issuing a range of loans, it makes money from lending activity and related banking services, including international letters of credit, foreign exchange, and other fee-based services like credit cards and escrow.
The profit engine is turning customer deposits into loans (commercial, real estate, personal, home improvement, automobile, installment and term lending), then adding fee income from international services (letters of credit, commercial and industrial loans, foreign exchange) and other banking services (credit cards, safety deposit boxes, collections, notary and escrow).
Business quality (Solid): Clear, traditional banking business model, with operating metrics focused on distribution footprint, but results will ultimately depend on loan performance and the economics of funding deposits.
Valuation: At 11× earnings, IBOC trades 13% below the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $71.71 |
| Market Cap | $4.46B |
| P/E Ratio | 10.7 |
| EV / EBITDA | 7.3 |
| Price / Book | 1.36 |
| Price / Sales | 5.03 |
| FCF Yield | 10.2% |
| DCF Value (model) | $142.64 |
| DCF Upside vs Price | 98.9% |
| Revenue (TTM) | $886.27M |
| Net Margin | 46.5% |
| Revenue Growth (YoY) | -0.0% |
| EPS Growth (YoY) | 5.1% |
| FCF Growth (YoY) | -12.8% |
| Stock P/E | 10.7 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Banking) | 12.9 |
| vs Sector | -29.5% |
| vs Industry | -17.3% |
| Top Institutional Holder | BlackRock, Inc. ($447.15M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Mike K. Sohn |
| Employees | 2,103 |
| Country | US |
| IPO Date | 1995-08-30 |
Data as of 2026-08-20.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.