IBOC
Financial ServicesInternational Bancshares Corporation · Banks - Regional · $5B
What is International Bancshares Corporation?
International Bancshares Corporation is a Texas-based financial holding company that has served communities along the US-Mexico border and beyond since 1966. It operates one of the larger regional banking networks in Texas and Oklahoma.
IBOC generates revenue through traditional commercial and retail banking — collecting deposits and deploying capital into loans across commercial real estate, personal, and auto lending. The bank also offers international banking services including foreign exchange and letters of credit, reflecting its border-region focus. Additional fee-based services such as credit cards, escrow, and internet banking round out the revenue mix.
Founded in 1966 and headquartered in Laredo, Texas, IBOC has grown into a mid-cap regional bank with deep roots in South Texas.
- Commercial and real estate lending
- International banking and foreign exchange services
- Retail deposit accounts and consumer loans
- Internet banking and card services
Is IBOC a Good Stock to Buy?
UQS Score rates IBOC as Good overall, reflecting a balanced profile with meaningful strengths and some areas to watch.
The Quality pillar stands out as the clearest positive — IBOC demonstrates above-average financial discipline relative to regional bank peers. Valuation is rated Attractive, suggesting the market may not be fully pricing in the bank's underlying fundamentals.
The Moat pillar registers as Weak, indicating limited competitive differentiation that could make it harder to defend market share over time.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does IBOC pay dividends?
Yes — International Bancshares Corporation pays a dividend.
IBOC pays a regular dividend, which is consistent with the capital-return culture common among established regional banks. For income-oriented investors, the dividend reflects the company's ability to generate steady cash flows from its lending and fee businesses. Investors should verify the current yield and payout schedule on IBOC's investor relations page.
When does IBOC report earnings?
International Bancshares Corporation reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
IBOC's earnings profile reflects the characteristics of a community-focused regional bank — relatively stable net interest income tied to loan growth and deposit pricing. Performance tends to track broader interest rate trends and credit quality across its Texas and Oklahoma footprint.
For the most recent quarter's results and guidance, visit International Bancshares Corporation's investor relations page directly.
IBOC Price History
+73.9% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in International Bancshares Corporation?
Based on International Bancshares Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
IBOC Long-term Outlook
With a Neutral Growth pillar, IBOC is not positioned as a high-growth story — expansion is expected to be measured rather than rapid. The Neutral Risk pillar suggests the bank's credit and operational risks are broadly in line with regional bank peers. The Attractive Valuation label indicates potential upside if fundamentals remain stable, though the Weak Moat rating is a reminder that competitive pressures in regional banking are real.
Growth drivers
- Continued loan demand across South Texas and Oklahoma markets
- Cross-border commerce supporting international banking fee revenue
- Stable deposit base enabling disciplined lending growth
Key risks
- Limited competitive moat in a crowded regional banking landscape
- Interest rate sensitivity affecting net interest margin
- Geographic concentration in Texas and Oklahoma markets
IBOC vs Peers
IBOC competes with other regional banks serving Texas and surrounding states, each with a distinct market focus.
Texas Capital focuses more heavily on commercial banking for mid-sized businesses, with a statewide Texas presence rather than a border-region concentration.
First Financial operates a broad community banking network across Texas, with a reputation for consistent profitability and a strong dividend history.
Associated Banc-Corp is a Midwest-focused regional bank, offering a geographic contrast to IBOC's South Texas and border-market identity.
Frequently Asked Questions
What does International Bancshares Corporation do?
International Bancshares Corporation is a financial holding company that provides commercial and retail banking services across Texas and Oklahoma. It accepts deposits, makes loans, and offers international banking services — including foreign exchange and letters of credit — reflecting its unique position along the US-Mexico border.
Does IBOC pay dividends?
Yes, IBOC pays a regular dividend. This is consistent with the bank's long operating history and its ability to generate steady cash flows. Investors should check the company's investor relations page for the current dividend amount and payment schedule.
When does IBOC report earnings?
International Bancshares Corporation reports earnings on a quarterly cadence, as is standard for US-listed bank holding companies. For exact dates and the most recent results, refer to IBOC's investor relations page.
Is IBOC a good stock to buy?
UQS Score rates IBOC as Good overall. The Quality pillar is Strong and Valuation is Attractive, which are positives. However, the Moat pillar is Weak, meaning competitive differentiation is limited. Whether it fits your portfolio depends on your goals — view the full pillar breakdown on UQS Pro.
Is IBOC overvalued?
The UQS Valuation pillar for IBOC is rated Attractive, suggesting the stock may be trading at a reasonable or favorable price relative to its fundamentals. Full valuation metrics are available to UQS Pro members.
How does IBOC compare to its competitors?
IBOC's border-region focus and international banking services distinguish it from peers like Texas Capital Bancshares and First Financial Bankshares, which have broader or different geographic strategies. UQS Pro members can view side-by-side pillar comparisons across these competitors.
What is IBOC's market cap bracket?
IBOC is classified as a mid-cap stock, placing it between smaller community banks and the largest national banking institutions. This size typically means meaningful scale while still being sensitive to regional economic conditions.
Who founded International Bancshares Corporation?
International Bancshares Corporation was founded in 1966. Detailed founding history, including the individuals involved, is publicly available through the company's official history and investor relations materials.
Is IBOC a long-term quality investment?
From a quality standpoint, IBOC's Strong Quality pillar and Attractive Valuation are positive long-term indicators. The Weak Moat rating is worth monitoring, as it suggests the bank may face ongoing competitive pressure. UQS Pro provides the full picture for long-term quality assessment.
What sector does IBOC belong to?
IBOC operates in the Financial Services sector, specifically as a regional bank holding company. Regional banks like IBOC are sensitive to interest rate cycles, credit conditions, and local economic activity in their operating markets.
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Pro Analysis
IBOC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 59.5 | 91.5 | 30.0 | 40.4 | 47.9 | 92.3 | +0.7 |
| May 7, 2026 | 58.8 | 91.8 | 30.0 | 42.1 | 47.0 | 85.7 | -0.1 |
| May 3, 2026 | 58.9 | 91.8 | 30.0 | 42.1 | 47.0 | 86.2 | 0.0 |
| Apr 26, 2026 | 58.9 | 91.8 | 30.0 | 42.1 | 47.0 | 86.5 | +0.1 |
| Apr 25, 2026 | 58.8 | 91.8 | 30.0 | 42.1 | 47.0 | 85.9 | -0.2 |
| Apr 21, 2026 | 59.0 | 91.8 | 30.0 | 42.1 | 47.0 | 87.0 | +0.1 |
| Apr 18, 2026 | 58.9 | 91.8 | 30.0 | 42.1 | 47.0 | 86.8 | -0.3 |
| Apr 14, 2026 | 59.2 | 91.8 | 30.0 | 42.1 | 47.0 | 88.4 | -0.1 |
| Apr 12, 2026 | 59.3 | 91.8 | 30.0 | 42.1 | 47.0 | 88.9 | -0.1 |
| Apr 5, 2026 | 59.4 | 91.8 | 30.0 | 42.1 | 47.0 | 90.2 | 0.0 |
IBOC — Pillar Breakdown
Quality
— 91.5/100 (25%)International Bancshares Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 40.4/100 (20%)International Bancshares Corporation shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 47.9/100 (15%)International Bancshares Corporation has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 91.4/100 (15%)International Bancshares Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 30/100 (25%)International Bancshares Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for IBOC.
Score Composition
Financial Data
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How is the IBOC UQS Score Calculated?
The UQS (Unified Quality Score) for International Bancshares Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses International Bancshares Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether International Bancshares Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.