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IBOC

International Bancshares Corporation

Financial Services · $4.3B market cap

Verdict

Share price

$69.84

close of Oct 3, 2026

Fair value

$154.57

Sticker Price

Payback Price

$61.83

buy price

Undervalued

IBOC is Undervalued: at $69.84 it trades 55% below its fair value of $154.57. Its buy price (Payback Price) is $61.83, 11% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth7.0% a year✗
Equity per share growth6.1% a year✗
Sales growth0.5% a year✗
Free cash flow growth10.0% a year✗
Return on invested capital8.8%✗

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About International Bancshares Corporation

International Bancshares Corporation (IBC), functioning as a financial holding company, delivers a comprehensive array of commercial and retail banking services. The institution facilitates checking and savings deposits and extends various loan products, including financing for commercial ventures, real estate, personal needs, home improvements, automobiles, and other installment or term-based credit. Moreover, IBC…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works