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Model output · Signal date 2026-10-16

International Bancshares Corp (IBOC) Stock Forecast Oct. 16, 2026

Analysis updated on Oct. 16, 2026 (UTC) · Total · absolute moveSwitch to Alpha · Nasdaq

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Rating · 90D ▼ Bearish Exact rating locked
90-day forecast Sign up free to reveal
30-day forecast Total
Rank in coverage Bottom 35% of 5172 stocks scored
Rank correlation · 90D 39.0% Spearman, 357 dates
Market Cap $4.19B mid-cap · #28 of 60 peers
Summary

International Bancshares Corp (IBOC) stock forecast summary

Our AI ranks International Bancshares Corp outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.

International Bancshares Corp is a mid-cap company with a market capitalization of $4.19B. It ranks number 28 by market capitalization among the 60 State Commercial Banks issuers in our coverage with a current forecast. Its D/E Ratio of 4.04x is the lowest of the 59 peers that report one.

For IBOC, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 39.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 23.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report

Expected absolute price move over the horizon, market included. This is the number a price target is built from. Ratings: strong buy ≥ +5.0%, buy ≥ +3.4%, sell < +1.8%, strong sell < +0.8% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-16 signals)

A free account shows the exact forecast, rating and rank of 3 tickers you follow, IBOC included.

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Price

IBOC price chart and AI forecast

IBOC
Cross-section · 2026-10-16

How IBOC ranks among 5172 stocks

90D Total forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).

Fundamentals · 2026-06-30

International Bancshares Corp (IBOC) fundamentals

Trailing twelve months. The industry median and the rank (1 = highest) are taken over the State Commercial Banks peers listed below that report each metric.

Valuation & Market

MetricIBOCIndustry medianRank
Market Cap $4.19B $4.06B 28/60
P/E Ratio 10.16x 11.91x 51/59
P/B Ratio 1.24x 1.24x 29/57
Dividend Yield 6.33% 2.69% 2/51
EPS $6.63 – –
Book Value/Share $54.27 – –
Revenue/Share $13.47 – –
FCF/Share $7.28 – –

Profitability & Margins

MetricIBOCIndustry medianRank
ROE 12.2% 10.5% 15/52
ROA 2.4% 1.2% 1/49
Net Margin 49.3% 31.4% 2/53
EBT Margin 63.8% 40.1% 5/58
Tax Rate 20.7% – –

Financial Health

MetricIBOCIndustry medianRank
D/E Ratio 4.04x 7.32x 59/59
Financial Leverage 5.04x 8.30x 54/54

Cash Flow

MetricIBOCIndustry medianRank
Operating Cash Flow $470M $432M 26/59
Free Cash Flow $453M $325M 15/45
Capital Spending -$17M -$19M 20/45
OCF Growth YoY 0.6% 17.9% 42/54
FCF Growth YoY 0.5% 18.5% 32/40
FCF/Sales 54.1% 34.9% 6/44
CapEx/Sales 2.1% 2.1% 23/44

Operational Efficiency

MetricIBOCIndustry medianRank
Asset Turnover 0.05x 0.04x 5/52
Fixed Assets Turnover 2.0x 5.5x 53/55

Income Statement

MetricIBOCIndustry medianRank
Total Revenue $838M $1.10B 35/57
Net Income $413M $347M 22/53

Dividend & Shareholder Information

MetricIBOCIndustry medianRank
Dividends Per Share $4.26 – –
Payout Ratio 64.2% 33.5% 3/51
Shares Outstanding 62M – –
Net Income Growth 0.3% 21.2% 45/52
EPS Growth 0.1% 17.8% 48/57

Balance Sheet Highlights (USD millions)

Cash & Short-term Investments$451M2.7% of assets
Total Liabilities$13.65B80.2% of assets
Quarterly Financial Reports

IBOC quarterly financials and insider trading

Industry Peers · State Commercial Banks

International Bancshares Corp (IBOC) industry peers

Companies classified under the same SEC industry code as International Bancshares Corp (State Commercial Banks): 60 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.

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Company 90-Day AI Forecast (Total) Market Cap P/E Ratio P/B Ratio
IBOC International Bancshares Corp ▼ $4.19B 10.2x 1.2x
BNS Bank Of Nova Scotia ▼ $113.24B 11.9x –
DB Deutsche Bank Aktiengesellschaft ▼ $61.98B 9.2x –
FITB Fifth Third Bancorp ▶ $45.68B 14.5x 1.3x
STT State Street Corp ▶ $45.52B 14.6x 1.6x
BBD Bank Bradesco ▶ $41.97B – –
MTB M&T Bank Corp ▶ $31.09B 11.4x 1.1x
NTRS Northern Trust Corp ▲ $30.29B 18.5x 2.3x
CFG Citizens Financial Group Inc/Ri ▲ $26.69B 11.8x 1.0x
FCNCA First Citizens Bancshares Inc /De/ ▶ $23.98B 11.4x 1.1x
EWBC East West Bancorp Inc ▼ $17.38B 12.2x 1.9x
ALLY Ally Financial Inc. ▶ $11.46B 15.0x 0.7x
BPOP Popular, Inc. ▼ $10.13B 10.8x 1.6x
SSB Southstate Bank Corp ▼ $9.90B 9.8x 1.1x
WTFC Wintrust Financial Corp ▶ $9.72B 11.6x 1.3x
PB Prosperity Bancshares Inc ▼ $8.15B 11.8x 1.0x
WAL Western Alliance Bancorporation ▶ $8.13B 8.4x 1.0x
COLB Columbia Banking System, Inc. ▶ $8.05B 12.4x 1.1x
CBSH Commerce Bancshares Inc /Mo/ ▼ $7.99B 13.9x 3.2x
UBSI United Bankshares Inc/Wv ▼ $6.36B 13.9x 1.2x
HWC Hancock Whitney Corp ▶ $5.86B 16.2x 1.3x
HOMB Home Bancshares Inc ▼ $5.84B 12.2x 1.3x
GBCI Glacier Bancorp, Inc. ▶ $5.71B 19.1x 1.3x
ASB Associated Banc-Corp ▼ $5.47B 10.5x 1.0x
AUB Atlantic Union Bankshares Corp ▼ $5.44B 12.6x 1.1x
ABCB Ameris Bancorp ▼ $5.35B 14.4x 1.3x
FFIN First Financial Bankshares Inc ▶ $4.37B 16.9x 4.2x
SFBS Servisfirst Bancshares, Inc. ▶ $4.30B 6.7x 2.2x
FBP First Bancorp /Pr/ ▼ $4.18B 12.1x 2.1x
UCB United Community Banks Inc ▼ $4.11B 11.6x 1.1x
CATY Cathay General Bancorp ▶ $4.00B 9.8x 1.3x
TCBI Texas Capital Bancshares Inc/Tx ▶ $3.96B 10.6x 1.1x
CVBF Cvb Financial Corp ▶ $3.85B 15.2x 1.2x
INDB Independent Bank Corp ▶ $3.78B 14.4x 1.1x
RNST Renasant Corp ▼ $3.65B 13.3x 0.9x
FIBK First Interstate Bancsystem Inc ▶ $3.32B 11.2x 1.0x
MCHB Mechanics Bancorp ▶ $3.18B 8.2x 7.9x
SBCF Seacoast Banking Corp Of Florida ▶ $3.15B 20.1x 1.2x
FHB First Hawaiian, Inc. ▼ $3.04B 11.2x 1.1x
BOH Bank Of Hawaii Corp ▼ $2.65B 10.6x 1.4x
FBK Fb Financial Corp ▶ $2.58B 11.2x 1.3x
CUBI Customers Bancorp, Inc. ▶ $2.53B 8.8x 1.2x
FBNC First Bancorp /Nc/ ▶ $2.50B 14.7x 1.5x
BUSE First Busey Corp /Nv/ ▶ $2.43B 17.9x 1.0x
SYBT Stock Yards Bancorp, Inc. ▼ $2.38B 15.3x 1.9x
BANR Banner Corp ▼ $2.30B 11.2x 3.4x
MBIN Merchants Bancorp ▶ $2.24B 8.3x 0.9x
OFG Ofg Bancorp ▼ $2.22B 10.4x 1.6x
EFSC Enterprise Financial Services Corp ▶ $2.17B 11.9x 1.1x
HTH Hilltop Holdings Inc. ▶ $2.11B 13.7x 1.0x
SRCE 1st Source Corp ▼ $2.07B 12.3x 1.6x
GABC German American Bancorp, Inc. ▼ $1.88B 15.4x 1.6x
RBCAA Republic Bancorp Inc /Ky/ ▶ $1.83B 14.3x 1.6x
STBA S&T Bancorp Inc ▼ $1.72B 13.3x 1.2x
BY Byline Bancorp, Inc. ▼ $1.68B 11.9x 1.3x
TCBK Trico Bancshares / ▶ $1.66B 10.5x 1.2x
CNOB Connectone Bancorp, Inc. ▶ $1.65B 10.3x 1.0x
QCRH Qcr Holdings Inc ▼ $1.62B 11.7x 1.4x
LOB Live Oak Bancshares, Inc. ▲ $1.62B 27.9x 1.2x
OBK Origin Bancorp, Inc. ▼ $1.59B 17.1x 2.5x

Where IBOC sits on the market map

Finance · State Commercial Banks
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News

International Bancshares Corp (IBOC) stock news

source: Forbes

International Bancshares Corp. is a financial holding company, which provides banking services for commercial, consumer, and international customers of South, Central, and Southeast Texas and the ...

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FAQ

International Bancshares Corp (IBOC) stock forecast FAQ

What is the International Bancshares Corp (IBOC) stock forecast?

Our AI ranks International Bancshares Corp outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.

How accurate are International Bancshares Corp stock predictions?

For IBOC, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 39.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 23.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report

How often are International Bancshares Corp forecasts updated?

International Bancshares Corp forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 16, 2026.

Which companies are International Bancshares Corp's industry peers?

60 issuers in our coverage, IBOC included, share the SEC industry code State Commercial Banks. The largest are: Bank Of Nova Scotia (BNS), Deutsche Bank Aktiengesellschaft (DB), Fifth Third Bancorp (FITB), State Street Corp (STT), Bank Bradesco (BBD), M&T Bank Corp (MTB).

This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.