Stocktoria
INTERNATIONAL BANCSHARES CORP IBOC
INTERNATIONAL BANCSHARES CORP (IBOC) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 1.80% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-03-06 | Freedom Broker | Buy (main) |
| 2025-12-31 | Freedom Broker | Buy (init) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| IBOC | INTERNATIONAL BANCSHARES CORP | 4/9 | — | 11.7 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About INTERNATIONAL BANCSHARES CORP
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.
FAQ
Is IBOC financially healthy?
INTERNATIONAL BANCSHARES CORP's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does IBOC pay a dividend, and is it safe?
Yes. INTERNATIONAL BANCSHARES CORP pays a dividend yielding about 1.80% with a 21.1% payout ratio, rated “safe” for safety.
How profitable is IBOC?
In FY2025, INTERNATIONAL BANCSHARES CORP had a return on equity of 12.7%.
Is IBOC overvalued or undervalued?
INTERNATIONAL BANCSHARES CORP trades at about 11.0× trailing earnings — near its 10-year norm (10-year range 8.0×–18.4×, median 10.9×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for IBOC?
The average Wall-Street price target for INTERNATIONAL BANCSHARES CORP is $87.00, about 19.7% above the recent price, from 1 analysts.
Is IBOC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on INTERNATIONAL BANCSHARES CORP: a Piotroski F-score of 4/9, a P/E of about 11.7×, a dividend yield of 1.80%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.