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International Bancshares Corp
International Bancshares Corp (IBOC) is classified in Banks - Regional, part of the Financial Services sector. It is headquartered in Laredo, United States and has 2,126 employees. The company is worth $4.18B and trades at 10.1x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $842.17M in fiscal 2025, up 1.0% from the year before. Net income was $412.29M. The share price is 14.2% below its 52-week high of $78.46. It pays a dividend yielding 2.17%, and has raised its annual dividend for 16 years in a row in our records. 6 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Israel Englander (Millennium Management), at $49.43M. In that quarter, 2 of them opened or added to the position and 3 reduced it. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
▲ +60.3% over 5Y.
today you would have $1,789.65▲ +79.0%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 18 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $66.44 | $63.16 | $54.32 | $45.76 | $42.39 | $37.44 | $43.07 | $34.40 | $39.70 | $40.80 | $25.70 | $26.54 | $26.36 | $18.09 | $18.34 | $20.03 | $18.91 | $21.83 |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 20.4% a year plus a 2.2% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 11.5 across this company’s own years on record.
Cash flow growing 15.0% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Dividend growing 6.0% a year against a 7.5% required return, from the stock’s beta.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| FBPFirst Bancorp | $27.31 | 11.5x | 2.2x | 2.93% | 19.49% | $4.17B |
| CRVLCorvel Corp | $83.88 | 36.0x | 10.4x | 0.00% | 30.70% | $4.24B |
| SLMSLM Corp | $21.76 | 6.1x | 1.8x | 2.39% | 30.33% | $4.09B |
| CATYCathay General Bancorp | $64.24 |
| P/E | 11.5x | 10.0x | 9.6x | 8.2x | 9.6x | 10.6x | 14.3x | 13.8x | 10.6x | 16.8x | 20.2x | 12.5x | 11.6x | 14.0x | 13.0x | 10.9x | 11.6x | 10.0x | 11.4x |
| P/S | 4.0x | 4.9x | 4.7x | 4.1x | 4.2x | 4.5x | 4.4x | 4.8x | 3.9x | 5.0x | 5.3x | 3.3x | 3.4x | 3.6x | 2.4x | 2.3x | 2.4x | 2.2x | 2.9x |
| P/B | 1.2x | 1.3x | 1.4x | 1.4x | 1.4x | 1.2x | 1.1x | 1.3x | 1.2x | 1.4x | 1.6x | 1.0x | 1.1x | 1.2x | 0.8x | 0.8x | 0.9x | 0.9x | 1.2x |
| EPS | $6.62 | $6.57 | $6.62 | $4.78 | $4.00 | $2.62 | $3.12 | $3.24 | $2.36 | $2.02 | $2.05 | $2.28 | $1.88 | $1.39 | $1.69 | $1.72 | $1.90 | $1.92 |
| Dividend yield | 2.14% | 2.11% | 2.09% | 2.32% | 2.62% | 2.71% | 2.94% | 2.44% | 2.18% | 1.66% | 1.47% | 2.26% | 1.96% | 1.63% | 2.21% | 2.07% | 1.80% | 1.80% | 3.02% |
| Payout | 24.13% | 21.15% | 20.09% | 19.03% | 25.10% | 28.75% | 41.98% | 33.65% | 23.15% | 27.97% | 29.70% | 28.29% | 22.81% | 22.87% | 28.78% | 22.49% | 20.93% | 17.89% | 34.38% |
| Profit margin | 29.52% | 48.96% | 49.08% | 49.41% | 44.49% | 42.78% | 31.07% | 34.85% | 37.35% | 29.90% | 26.44% | 26.91% | 29.15% | 25.36% | 21.49% | 24.20% | 23.07% | 24.25% | 25.28% |
| ROE | 9.69% | 12.68% | 14.63% | 16.82% | 14.68% | 11.00% | 7.68% | 9.68% | 11.13% | 8.56% | 7.77% | 8.21% | 9.69% | 8.87% | 7.51% | 7.95% | 8.91% | 10.14% | 10.51% |
Median of the years shown; P/E years above 200x are left out.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
6 methods answered, across 3 families.
Room for errors in the reported numbers.
+131.9% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| 11.8x |
| 1.5x |
| 2.37% |
| 11.71% |
| $4.29B |
| ARXAccelerant Holdings | $19.75 | — | 6.0x | 0.00% | -222.00% | $4.29B |
| MCMoelis & Co | $55.06 | 19.2x | 8.1x | 4.72% | 41.45% | $4.08B |
