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Texas-based bank focused on South Texas and US-Mexico border trade and commercial finance.
Texas-based bank focused on South Texas and US-Mexico border trade and commercial finance.
Earns mostly from the gap between interest on loans and on a large securities portfolio and the cost of deposits, much of it from businesses and families in South Texas. Cross-border trade finance with Mexico adds fee income. Laredo, the largest US inland trade port with Mexico, is its home base.
Moat: narrow (scale, distribution). Deep branch density and trade-finance expertise along the Texas-Mexico border are hard to replicate.
Headquarters: Laredo, Texas, US · Founded: 1966 · Employees: 2,319
Size International Bancshares (IBOC) is a United States Financials company (Regional Banks) with a market value of $4.20B, the 1316th largest of 3,117 United States companies the cockpit tracks. Shares closed at $67.60 on 6 Nov 2026.
Performance Over six months the shares fell 7.7%, against +8.1% for the median peer and -1.1% for the United States market (cap-weighted) — 2nd lowest of 21 in its peer set.
Growth Revenue grew 2.2% over the last twelve months (peer median +3.4%); the operating margin is 61.1% (peer median 44.1%).
Valuation It trades at 1.25× book value against a peer median of 1.38× (8th cheapest of 21).
Price implies The share price implies a return on equity of about 9.8%; International Bancshares delivers 12.9%, so the price asks less than the business earns today.
Short interest Short interest is 3.8% of the free float (15 Oct 2026).
Next results Next results expected around 25 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.06B | $1.05B | $1.04B | $974M | $713M |
| Revenue growth | — | +1% | +7% | +37% | — |
| Net income | $413M | $412M | $409M | $412M | $300M |
| Free cash flow | $489M | $495M | $492M | $459M | $378M |
| Capital expenditure | $17.2M | $18.1M | $14.1M | $27.5M | $19.2M |
| Total debt | $731M | $705M | $655M | $650M | $577M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| International Bancshares IBOC | $4.20B | -8% | +2% | 13% | 1.25× | 9.8% |
| Cullen/Frost Bankers CFR | $9.65B | +12% | +2% | 16% | 2.52× | 14.2% |
| Prosperity Bancshares, Inc.(R) PB | $8.60B | +4% | +19% | 6% | 0.88× | 7.5% |
| BancFirst BANF | $3.87B | +2% | -3% | 14% | 1.94× | 12.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | IBOC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -1.2% | +4.5% | 5th lowest of 21 |
| 6-month return | -7.7% | +8.1% | 2nd lowest of 21 |
| Return on equity | 12.9% | 9.1% | 8th highest of 21 |
| Price / book | 1.25× | 1.38× | 8th cheapest of 21 |
| Trailing P/E | 10.2× | 12.0× | 4th cheapest of 19 |
| ROE the price implies | 9.8% | 10.9% | 9th least demanding of 20 |
| ROE delivered | 12.9% | 9.3% | 8th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| International Bancshares IBOC | United States | $4.20B | -8% | +2% | 13% | 1.25× | 9.8% | 12.9% |
| Cathay General Bancorp CATY | United States | $4.24B | +12% | +3% | 12% | 1.39× | 11.8% | 12.2% |
| Bank Handlowy w Warszawie BHW.WA | Poland | $4.09B | +7% | -22% | 17% | 1.72× | 17.1% | 16.7% |
| Bendigo & Adelaide Bank BEN.AX | Australia | $4.36B | +5% | -6% | 6% | 0.93× | 11.0% | 5.6% |
| Zuger Kantonalbank ZUGER.SW | Switzerland | $4.04B | +8% | -10% | 8% | 2.03× | n/a | 8.3% |
| CVB Financial CVBF | United States | $3.99B | +12% | +23% | 9% | 1.27× | 9.8% | 8.6% |
| United Community Banks UCB | United States | $4.43B | +11% | -18% | 4% | 1.26× | 10.9% | 4.1% |
| Independent Bank INDB | United States | $3.94B | +8% | +25% | 9% | 1.14× | 9.5% | 9.3% |
| ServisFirst Bancshares SFBS | United States | $4.49B | +2% | +5% | 18% | 2.21× | 17.2% | 17.9% |
| First Bancorp FBP | United States | $3.92B | +8% | +3% | 19% | 2.09× | 15.7% | 19.4% |
| Hirogin 7337.T | Japan | $3.89B | +9% | +26% | 8% | 0.99× | 7.4% | 8.2% |
| BancFirst BANF | United States | $3.87B | +2% | -3% | 14% | 1.94× | 12.7% | 13.6% |
| Alior Bank ALR.WA | Poland | $4.59B | +15% | -7% | 16% | 1.42× | 20.0% | 15.6% |
| Karur Vysya Bank KARURVYSYA.NS | India | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% | 21.0% |
| EQB EQB.TO | Canada | $3.79B | +3% | -4% | 0% | 1.44× | 12.8% | -0.1% |
| Chugin Financial Group,Inc 5832.T | Japan | $3.76B | +10% | +34% | 8% | 0.86× | 6.5% | 8.3% |
| WesBanco WSBC | United States | $3.70B | +13% | +17% | 9% | 0.96× | 8.2% | 8.8% |
| Bank of Qingdao 002948.SZ | China | $4.78B | +3% | +3% | 13% | 0.85× | 5.0% | 12.9% |
| Noba Bank NOBA.ST | Sweden | $4.81B | +20% | +6% | 17% | 1.82× | 6.9% | 17.0% |
| Twenty One Capital XXI | United States | $3.57B | -36% | n/a | -12% | 1.38× | 7.6% | n/a |
| Renasant RNST | United States | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% | 8.7% |