IBOC Stock Analysis: Buy, Sell, or Hold?
IBOC - International Bancshares Corp
$75.87
0.45 (0.60%)
▲
5d:
-0.32%
30d:
+0.74%
90d:
+5.85%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Aug 06, 2026
22d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: IBOC shows positive signals but monitor for confirmation. Market pricing in 3.0% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: IBOC shows positive signals but monitor for confirmation. Market pricing in 3.0% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$78.77
Based on 2.6% avg growth
INTRINSIC VALUE TODAY
$48.91
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 10.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: IBOC is currently trading at $75.87, which is considered fair relative to its 30-day fair value range of $74.13 to $76.62. The stock's valuation (Forward PE: 11.5) is in line with its historical norms (10.5). At these levels, the market is pricing in 3.0% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, IBOC is in a uptrend. The price is approaching resistance at $75.68. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $87.00 (+14.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, IBOC is in a uptrend. The price is approaching resistance at $75.68. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $87.00 (+14.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$74.13 -
$76.62
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
71.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($87.00)
- NEUTRAL: Market pricing in 3.0% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$74.13 -
$76.62
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$70.50
Resistance Level
$75.68
Current Trend
Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.50
Wall Street Target
$87.00
(+14.7%)
Revenue Growth (YoY)
5.4%
Earnings Growth (YoY)
5.3%
Profit Margin
49.9%
Valuation Premium vs History
+3.0% premium
PE vs Historical
11.5 vs 10.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.0%
(market-implied from PE analysis)
1-Year Target
$78.15
(+3%)
2-Year Target
$80.49
(+6%)
3-Year Target
$82.91
(+9%)
3-Yr Target (if PE normalizes)
(PE: 12→11)
PE COMPRESSION
$75.73
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 1.2%)
$149.10
(+97%)
Base:
(SPY PE: 11.5, Growth: 1.2%)
$78.70
(+4%)
Bear:
(PE: 9.8, Growth: 1.2%)
$66.89
(-12%)
📈
Valuation based on Current Earnings
Trailing PE: 11.26 | Current EPS (TTM): $6.70
Bull Case
$81.72
(+8%)
Analyst growth -1.5%, PE expands to 12.4
Base Case
$74.29
(-2%)
Market implied -1.5%, PE stable at 11.3
Bear Case
$51.29
(-32%)
Severe decline -20.0%, PE contracts to 9.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 13, 2026 10:25 PM ET
Data refreshes hourly during market hours. Next update: 11:25 PM
Data refreshes hourly during market hours. Next update: 11:25 PM
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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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