International Bancshares Corporation (IBOC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
International Bancshares Corporation stock (IBOC) is currently trading at $67.71. International Bancshares Corporation PE ratio is 10.09. International Bancshares Corporation PS ratio (Price-to-Sales) is 5.10. Analyst consensus price target for IBOC is $85.00. WallStSmart rates IBOC as Moderate Buy.
- IBOC PE ratio analysis and historical PE chart
- IBOC PS ratio (Price-to-Sales) history and trend
- IBOC intrinsic value — DCF, Graham Number, EPV models
- IBOC stock price prediction 2025 2026 2027 2028 2029 2030
- IBOC fair value vs current price
- IBOC insider transactions and insider buying
- Is IBOC undervalued or overvalued?
- International Bancshares Corporation financial analysis — revenue, earnings, cash flow
- IBOC Piotroski F-Score and Altman Z-Score
- IBOC analyst price target and Smart Rating
International Bancshares Corporation
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IBOC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · International Bancshares Corporation (IBOC)
IBOC trades at a significant discount to its Graham intrinsic value of $141.15, offering a 49% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
International Bancshares Corporation (IBOC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
International Bancshares Corporation (IBOC) Key Strengths (6)
Growing significantly faster than its price suggests
Keeps $65 of every $100 in revenue after operating costs
Keeps $51 of every $100 in revenue as net profit
70.82% of shares held by major funds and institutions
Trading at 1.30x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
International Bancshares Corporation (IBOC) Areas to Watch (4)
Premium valuation at 5.1x annual revenue
Modest revenue growth at 6.40%
Modest earnings growth at 8.80%
Moderate profitability with room for improvement
Supporting Valuation Data
International Bancshares Corporation (IBOC) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 4.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, Profit Margin. Valuation metrics including PEG Ratio (0.98), Price/Book (1.30) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 64.70%, Profit Margin at 51.20%.
The Bear Case
The primary concerns are Price/Sales, Revenue Growth, EPS Growth. Some valuation metrics including Price/Sales (5.10) suggest expensive pricing. Growth concerns include Revenue Growth at 6.40%, EPS Growth at 8.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 14.30%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.30% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Operating Margin makes a compelling case at current levels. The key risk is Price/Sales, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
IBOC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
IBOC's Price-to-Sales ratio of 5.10x trades 93% above its historical average of 2.64x (99th percentile), historically expensive. The current valuation is 1% below its historical high of 5.15x set in Aug 2018, and 697% above its historical low of 0.64x in Mar 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for International Bancshares Corporation (IBOC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
International Bancshares Corporation is a mature, profitable business with steady cash generation. Revenue reached 822M with 6% growth year-over-year. Profit margins are strong at 51.2%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1430.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 51.2% and operating margin of 64.7% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact International Bancshares Corporation.
Bottom Line
International Bancshares Corporation is a well-established business delivering consistent profitability with 51.2% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(4 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 8:22:17 AM
About International Bancshares Corporation(IBOC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
International Bancshares Corporation, a multi-bank financial holding company, provides commercial and retail banking services. The company is headquartered in Laredo, Texas.