International Bancshares Corporation Common Stock (IBOC)

FairStock Score: 62/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I look for a business I can understand, bought at a sensible price, with a margin of safety. International Bancshares is a Texas and Oklahoma multibank holding company. At $67.36 on 2026-10-13, it has a $4.2B market cap, P/E of 10.16 and P/B of 1.24—both FairStock calculations. That is not demanding if earnings are durable. The bank has reported remarkably steady annual profits: FY2023 net income $411.8M and diluted EPS $6.62, FY2024 $409.2M and $6.57, FY2025 $412.3M and $6.62. The latest quarter, fiscal Q2 2026 ended 2026-06-30, showed net income of $95.8M and diluted EPS of $1.54, versus $100.1M and $1.61 in fiscal Q2 2025, so there is some softening. The 44.60% net margin in 2026-Q2 is high, and ROE of 12.92% (FairStock) is respectable, though not spectacular. The FairStock Score is 62/100, middling. The Lynch category is STALWART, steady growth: profit 19.8% a year over five years, but the provided profit growth is -7.13% and Piotroski is 4/9, so current momentum is mixed. Beta of 0.70 and a 2.17% dividend yield add defensive appeal. However, banks live on credit and leverage. The data lacks CET1, net interest margin, nonperforming loans, reserves, and combined ratio, so I cannot fully judge underwriting risk. At 1.24 times book, the price looks fair, not a giveaway. I would want more evidence of stable net interest income and clean credit before calling it a compelling bargain.

In plain English: International Bancshares is a bank holding company that operates banks in Texas and Oklahoma, taking deposits and making loans to people and businesses. It has earned steady annual profits, pays a dividend, and its stock price looks reasonable compared with those profits and the value of its assets. However, recent quarterly profit slipped a bit, and important details about loan quality and bank safety are not in the data.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer