NASD · Financial · Banks - Regional · USA
International Bancshares Corp is a mid cap company (market value between $2 billion and $10 billion) in the Banks - Regional industry.
International Bancshares Corp is a multibank financial holding company offering commercial and retail banking services through five subsidiary banks in Texas and Oklahoma. The company accepts deposits and makes various loans, provides international trade financing, credit cards, and online banking services. It serves small and medium-sized businesses, consumers, and customers engaged in cross-border commerce with Mexico.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the International Bancshares Corp stock.
Undervalued: intrinsic value $84.80 per share, market price $66.04, margin of safety 22.1% (as of 2026-10-19).
Book value at 1.66x, the multiple a 12.9% return on equity justifies, blended with earnings, values the shares at $84.80; the price of $66.04 is 22% below that value.
Leak Score: 73/100 on 11 of 12 signals (Clear Leak).
17 more funds hold it; the full list is part of the paid plan.
All 323 Banks - Regional stocks
37 more in this industry show a wider margin of safety.
IBOC is undervalued (as of the 2026-10-19 close). Book value at 1.66x, the multiple a 12.9% return on equity justifies, blended with earnings, values the shares at $84.80; the price of $66.04 is 22% below that value.
$84.80 per share (as of the 2026-10-19 close), against a market price of $66.04. That is a margin of safety of 22.1%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
73 out of 100, which we rate "Clear Leak", on 11 of 12 value investing signals.