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International Bancshares Corporation (IBOC)

Financial Services | Banks - Regional | Laredo, United States | NasdaqGS
75.87 USD +0.45 (0.597%) ⇧ (July 13, 2026, 4 p.m. EDT)
Short-term:★★⯪☆☆Long-term:★★★★☆Dividends:★★★☆☆
Hot Take ↕ | July 11, 2026, 5:38 a.m. EDT

International Bancshares presents a compelling dichotomy: a fundamentally robust regional bank trading at a discount, yet lacking the explosive momentum to trigger a short-term trade. The long-term outlook is solid; the company has delivered a massive +160% return over the last nine years, driven by consistent double-digit growth in recent years and a resilient balance sheet with a healthy 13.5% ROE. The stock trades at a reasonable 11x earnings and 1.4x book value, offering a margin of safety against typical banking sector risks. However, the short-term chart tells a different story. After a strong rally earlier in the year, the stock has entered a consolidation phase, churning sideways between $74 and $78. This stagnation is reflected in the options chain, which shows almost no speculative positioning. While the dividend yield of 1.9% provides a nice floor, it is not aggressive enough to compensate for the lack of price appreciation in the near term. Investors should view this as a core holding for steady compounding rather than a vehicle for quick gains.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.018853
MSTL_70_1260.022121
MSTL0.022436
AutoETS0.023363
AutoARIMA0.023409
MSTL_1260.028172
MSTL_700.029332

Forecast horizon: 60 days | Selected: AutoTheta

Forecast Reliability
Score 43%
H-stat 12.08
Ljung-Box p 0.000
Jarque-Bera p 0.095
Excess Kurtosis -0.84
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-02-12
Last Dividend Date 2026-02-12
Revenue per Share 13.475
Market Cap 4,717,691,392
Trailing P/E 11.32
Beta 0.69
Profit Margins 49.85%
Website https://www.ibc.com

As of July 11, 2026, 5:38 a.m. EDT: Options activity is sparse and lacks directional conviction. Call volume is negligible, while put activity is concentrated entirely in deep out-of-the-money strikes (40 strike), suggesting speculative tail-risk hedging rather than a bearish bet on a significant decline. The lack of meaningful open interest or volume at near-the-money strikes indicates the market is currently neutral on immediate moves.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.01% 2.04% 2.30% 2.49%
Dividend History
Date Dividend Yield %
2026-02-13 0.730000 1.012904
2025-08-15 0.700000 1.025190
2025-02-14 0.700000 1.081248
2024-08-14 0.660000 1.141276
2024-02-14 0.660000 1.263884
2023-08-10 0.630000 1.363932
2023-02-14 0.630000 1.366298
2022-08-15 0.600000 1.321877
2022-02-14 0.600000 1.427891
2021-08-19 0.600000 1.462701
2021-02-04 0.550000 1.383648
2020-09-18 0.550000 1.919721
2020-03-31 0.550000 2.046131
2019-09-27 0.550000 1.417891
2019-03-29 0.500000 1.314752
2018-10-05 0.420000 0.959781
2018-03-29 0.330000 0.848329
2017-09-28 0.330000 0.814815
2017-03-30 0.330000 0.923077
2016-09-28 0.310000 1.042718
2016-03-30 0.290000 1.176471
2015-09-28 0.290000 1.194891
2015-03-30 0.290000 1.130164
2014-09-26 0.270000 1.078706
2014-03-28 0.250000 1.026694
2013-09-26 0.230000 1.054562
2013-03-27 0.200000 0.963855
2012-09-26 0.200000 1.038422
2012-03-29 0.200000 0.931532
2011-09-28 0.190000 1.459293
2011-03-24 0.190000 1.077709
2010-09-28 0.190000 1.132976
2010-03-30 0.170000 0.736888
2009-10-15 0.170000 1.016746
2009-04-23 0.170000 1.496479
2008-09-26 0.330000 1.185345
2008-03-27 0.330000 1.437908
2007-10-11 0.330000 1.442938
2007-04-12 0.318182 1.192505
2006-10-12 0.318182 1.163564
2006-04-12 0.318182 1.237624
2005-04-13 0.290909 1.152737
2004-10-13 0.290909 1.122964
2004-04-13 0.290909 0.924898
2003-09-26 0.290909 1.195028
2003-03-27 0.200145 1.059894
2002-09-25 0.172218 0.935997
2002-03-26 0.148945 0.907438
2001-09-26 0.148945 1.087249
2001-03-28 0.148945 1.393724
2000-09-27 0.148945 1.581023
2000-03-29 0.142988 1.476927
1999-09-28 0.119156 1.117315
1999-03-29 0.057195 0.615384
1998-09-28 0.019065 0.173913
1998-04-01 0.015252 0.123839
1996-04-01 0.048806 1.219501
Additional Data
dividendRate 1.43
dividendYield 1.88
exDividendDate 2026-02-13
trailingAnnualDividendRate 1.43
trailingAnnualDividendYield 0.018960487
lastDividendValue 0.73
lastDividendDate 2026-02-13
dividendDate 2026-02-27

Info Dump

Attribute Value
52 Week Change 0.118861556
Address1 1,200 San Bernardo Avenue
All Time High 78.46
All Time Low 3.904516
Ask 96.33
Ask Size 2
Audit Risk 6
Average Daily Volume10 Day 348,200
Average Daily Volume3 Month 344,519
Average Volume 344,519
Average Volume10Days 348,200
Beta 0.692
Bid 54.4
Bid Size 2
Board Risk 8
Book Value 52.879
City Laredo
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 5
Country United States
Crypto Tradeable 0
Currency USD
Current Price 75.87
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 76.345
Day Low 75.1875
Display Name International Bancshares
Dividend Date 1,772,150,400
Dividend Rate 1.43
Dividend Yield 1.88
Earnings Growth 0.053
Earnings Quarterly Growth 0.055
Earnings Timestamp 1,778,180,400
Earnings Timestamp End 1,786,042,800
Earnings Timestamp Start 1,786,042,800
Ebitda Margins 0.0
Enterprise To Revenue 5.797
Enterprise Value 4,855,754,752
Eps Trailing Twelve Months 6.7
Esg Populated 0
Ex Dividend Date 1,770,940,800
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 73.7782
Fifty Day Average Change 2.0918045
Fifty Day Average Change Percent 0.02835261
Fifty Two Week Change Percent 11.886156
Fifty Two Week High 78.46
Fifty Two Week High Change -2.5899963
Fifty Two Week High Change Percent -0.033010405
Fifty Two Week Low 63.2
Fifty Two Week Low Change 12.670002
Fifty Two Week Low Change Percent 0.20047471
Fifty Two Week Range 63.2 - 78.46
Financial Currency USD
First Trade Date Milliseconds 809,789,400,000
Five Year Avg Dividend Yield 2.44
Float Shares 56,164,587
Full Exchange Name NasdaqGS
Full Time Employees 2,126
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 837,620,992
Has Pre Post Market Data 1
Held Percent Insiders 0.13087
Held Percent Institutions 0.72183996
Implied Shares Outstanding 62,181,244
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,770,940,800
Last Dividend Value 0.73
Last Fiscal Year End 1,767,139,200
Last Split Date 1,179,360,000
Last Split Factor 11:10
Long Business Summary International Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It 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.
Long Name International Bancshares Corporation
Market us_market
Market Cap 4,717,691,392
Market State PRE
Max Age 86,400
Message Board Id finmb_375163
Most Recent Quarter 1,774,915,200
Net Income To Common 417,587,008
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 4,717,690,982
Number Of Analyst Opinions 1
Open 75.62
Operating Cashflow 471,323,008
Operating Margins 0.63948
Overall Risk 5
Payout Ratio 0.2134
Peg Ratio 0.98
Phone 956 722 7611
Previous Close 75.42
Price Hint 2
Price To Book 1.4347851
Price To Sales Trailing12 Months 5.632251
Profit Margins 0.49854
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.450005
Regular Market Change Percent 0.596665
Regular Market Day High 76.345
Regular Market Day Low 75.1875
Regular Market Day Range 75.1875 - 76.345
Regular Market Open 75.62
Regular Market Previous Close 75.42
Regular Market Price 75.87
Regular Market Time 1,783,972,801
Regular Market Volume 298,152
Return On Assets 0.02523
Return On Equity 0.13507
Revenue Growth 0.054
Revenue Per Share 13.475
Sand P52 Week Change 0.20365608
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 2
Shares Outstanding 62,181,244
Shares Percent Shares Out 0.026300002
Shares Short 1,638,119
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 1,509,328
Short Name International Bancshares Corpor
Short Percent Of Float 0.0346
Short Ratio 3.54
Source Interval 15
State TX
Symbol IBOC
Target High Price 87.0
Target Low Price 87.0
Target Mean Price 87.0
Target Median Price 87.0
Total Cash 585,939,008
Total Cash Per Share 9.423
Total Debt 724,003,008
Total Revenue 837,620,992
Tradeable 0
Trailing Annual Dividend Rate 1.43
Trailing Annual Dividend Yield 0.018960487
Trailing Eps 6.7
Trailing P E 11.323881
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 70.066
Two Hundred Day Average Change 5.804001
Two Hundred Day Average Change Percent 0.082836196
Type Disp Equity
Volume 298,152
Website https://www.ibc.com
Zip 78,042-1359