International Bancshares (IBOC) Stock: Buy, Sell, or Hold?
IBOC - International Bancshares Corp
$70.94
-0.10 (-0.14%)
âŧ
5d:
-0.84%
30d:
-2.43%
90d:
-6.25%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Nov 05, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: IBOC is fairly priced but lacks strong directional signals. At -0.4% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: IBOC is fairly priced but lacks strong directional signals. At -0.4% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$90.44
Based on 4.8% avg growth
INTRINSIC VALUE TODAY
$56.16
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: IBOC is currently trading at $70.94, which is considered slightly low relative to its 30-day fair value range of $70.45 to $73.70. The stock's valuation (Forward PE: 10.5) is in line with its historical norms (10.6). Remarkably, the market is currently pricing in an annual earnings decline of 0.4% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, IBOC is showing sideways momentum. The price is currently testing key support at $69.39. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: IBOC scores 60/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $87.00 (+22.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, IBOC is showing sideways momentum. The price is currently testing key support at $69.39. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: IBOC scores 60/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $87.00 (+22.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$70.45 -
$73.70
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
90.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 22.6% below Wall St target ($87.00)
- WARNING: Composite score 52/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$70.45 -
$73.70
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$69.39
Resistance Level
$72.09
Current Trend
Sideways
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.51
Wall Street Target
$87.00
(+22.6%)
Earnings Growth (YoY)
-4.3%
Profit Margin
49.3%
Valuation Discount vs History
-0.4% cheaper
PE vs Historical
10.5 vs 10.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.4%
(market-implied from PE analysis)
1-Year Target
$70.66
(0%)
2-Year Target
$70.37
(-1%)
3-Year Target
$70.09
(-1%)
3-Yr Target (if PE normalizes)
(PE: 11â11)
$70.69
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 5.6%)
$160.48
(+126%)
Base:
(SPY PE: 10.5, Growth: 5.6%)
$83.62
(+18%)
Bear:
(PE: 8.9, Growth: 5.6%)
$71.08
(+0%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 10.63 | Current EPS (TTM): $6.68
Bull Case
$78.96
(+11%)
Analyst growth 1.0%, PE expands to 11.7
Base Case
$71.78
(+1%)
Market implied 1.0%, PE stable at 10.6
Bear Case
$48.31
(-32%)
Severe decline -20.0%, PE contracts to 9.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.5 to 10.6
Stabilization Target:
$71.55
(+0.9%)
PE Expansion Potential:
+0.9%
Share & Embed Analysis
Last updated: September 12, 2026 3:22 AM ET
Data refreshes hourly during market hours. Next update: 4:22 AM
Data refreshes hourly during market hours. Next update: 4:22 AM
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Technical Signals Check
Is IBOC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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