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International Bancshares Corpor (IBOC) Stock Analysis

Range Bound setup

Buy WaitVALUE-TRAP 1/5Moderate Confidence

Financial Services · Banks - Regional

Earnings in 3 days (2026-05-04). Expect elevated volatility around the report — consider waiting for post-earnings price action before new entries.

Wait for pullback to $69.18. At $72.08 the A.R:R is 0.4:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $69.18 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Geographic: Texas and Oklahoma markets; Analyst target reached - limited upside remaining.

International Bancshares Corporation is a multibank financial holding company providing commercial and retail banking through five subsidiary banks in north, south, central, and southeast Texas and Oklahoma, with 166 facilities serving 75 communities. Revenue is derived from... Read more

$72.08+6.9% A.UpsideScore 5.3/10#121 of 142 Banks - Regional
Entry $69.18(Ma50 Sticky)Stop $66.37Target $73.95(analyst − 15%)A.R:R 0.4:1Setup A.R:R 1.7:1
Analyst target$87.00+20.7%1 analysts
Range unavailable (1 analysts)

Wait for pullback to $69.18. At $72.08 the A.R:R is 0.4:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $69.18 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Geographic: Texas and Oklahoma markets; Analyst target reached - limited upside remaining. Chart setup: RSI 49 mid-range, Bollinger mid-band. Earnings in 3 days. Wait until post-earnings. Score 5.3/10, moderate confidence.

Passes 5/7 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on favorable risk/reward ratio and earnings proximity 3d<=7d. Suitability: aggressive.

Thesis

Rewards
No bull case signals
Risks
Concentration risk — Geographic: Texas and Oklahoma markets
Analyst target reached - limited upside remaining
Near 52-week high (4.4% away)

Key Metrics

P/E (TTM)10.8
P/E (Fwd)
Mkt Cap$4.5B
EV/EBITDA
Profit Mgn49.8%
ROE13.6%
Rev Growth2.6%
Beta0.71
Dividend1.99%
Rating analysts7

Quality Signals

Piotroski F6/9

Options Flow

IV55%elevated

Concentration Risks(10-K Item 1A)

  • HIGHGeographicTexas and Oklahoma markets
    10-K Item 1A: 'We are particularly affected by conditions in our primary market areas of south, central, and southeast Texas, including Austin, Dallas and Houston, the State of Oklahoma and Mexico.'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Earnings Growth
0.5
Revenue Growth
3.1
GatesA.R:R 0.4 < 1.5@spotEARNINGS PROXIMITY 3d<=7dMomentum 5.5>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARRange BoundSuitability: Aggressive
RSI
49 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $66.89Resistance $73.12

Price Targets

$66
$69
$74
A.Upside+2.6%
A.R:R0.4:1
Setup A.R:R (at entry)1.7:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (2.6% upside)
! Earnings in 3 days - binary event risk
! Reward/Risk 0.4:1 at current price — below 1.5:1 minimum

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-05-04 (3d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is IBOC stock a buy right now?

Wait for pullback to $69.18. At $72.08 the A.R:R is 0.4:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $69.18 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Geographic: Texas and Oklahoma markets; Analyst target reached - limited upside remaining. Chart setup: RSI 49 mid-range, Bollinger mid-band. Earnings in 3 days. Wait until post-earnings. Target $73.95 (+2.6%), stop $66.37 (−8.6%), Setup A.R:R 1.7:1. Score 5.3/10, moderate confidence.

What is the IBOC stock price target?

Take-profit target: $73.95 (+6.9% upside). Target $73.95 (+2.6%), stop $66.37 (−8.6%), Setup A.R:R 1.7:1. Stop-loss: $66.37.

What are the risks of investing in IBOC?

Concentration risk — Geographic: Texas and Oklahoma markets; Analyst target reached - limited upside remaining; Near 52-week high (4.4% away).

Is IBOC overvalued or undervalued?

International Bancshares Corpor trades at a P/E of 10.8 (forward N/A). TrendMatrix value score: 7.7/10. Verdict: Buy (Wait for Entry).

What do analysts say about IBOC?

7 analysts cover IBOC with a consensus score of 4.1/5. Average price target: $87.

What does International Bancshares Corpor do?International Bancshares Corporation is a multibank financial holding company providing commercial and retail banking...

International Bancshares Corporation is a multibank financial holding company providing commercial and retail banking through five subsidiary banks in north, south, central, and southeast Texas and Oklahoma, with 166 facilities serving 75 communities. Revenue is derived from loans, deposits, and international banking services primarily for small- and medium-sized businesses along the US-Mexico border.

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