International Bancshares (IBOC) Stock: Buy, Sell, or Hold?
$67.41
-0.44 (-0.65%)
âŧ
5d:
-2.33%
30d:
+0.07%
90d:
-8.17%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (72%)
Quality Score
47/100
Position
FAIR
30-Day Fair Range
$66.55 â $68.49
Position: FAIR
Forward P/E & Valuation
10.1x
FAIR
vs 10.5x historical avg
Wall Street Target
$87.00
+28.2% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$65.89 / $70.46
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: IBOC is fairly priced but lacks strong directional signals. At -1.6% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$89.59
Based on 4.8% avg growth
INTRINSIC VALUE TODAY
$55.63
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 $67.41, which is considered fair relative to its 30-day fair value range of $66.55 to $68.49. The stock's valuation (Forward PE: 10.1) is in line with its historical norms (10.5). Remarkably, the market is currently pricing in an annual earnings decline of 1.6% over the next few years. This pessimistic expectation contrasts with the company's recent 5.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, IBOC is in a strong downtrend. The price is currently testing key support at $65.89. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 46/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $87.00 (+28.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, IBOC is in a strong downtrend. The price is currently testing key support at $65.89. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 46/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $87.00 (+28.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$66.55 -
$68.49
Company Quality Score
47/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
72.4%
Trading Range & Key Levels
30-Day Trading Range
$66.55 -
$68.49
Current vs Trading Range
FAIR
Support Level
$65.89
Resistance Level
$70.46
Current Trend
Strong Downtrend
Technical data as of
Nov 10, 2026
Quantitative Signal Breakdown
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (46/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 28.2% below Wall St target ($87.00)
- WARNING: Composite score 47/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
10.05
Wall Street Target
$87.00
(+28.2%)
Revenue Growth (YoY)
5.1%
Earnings Growth (YoY)
5.7%
Profit Margin
49.4%
Valuation Discount vs History
-1.6% cheaper
PE vs Historical
10.1 vs 10.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.6%
(market-implied from PE analysis)
1-Year Target
$66.76
(-2%)
2-Year Target
$65.70
(-3%)
3-Year Target
$64.65
(-5%)
3-Yr Target (if PE normalizes)
(PE: 10â11)
$67.53
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 5.6%)
$158.01
(+133%)
Base:
(SPY PE: 10.1, Growth: 5.6%)
$79.98
(+18%)
Bear:
(PE: 8.5, Growth: 5.6%)
$67.98
(+0%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 10.17 | Current EPS (TTM): $6.73
Bull Case
$75.52
(+11%)
Analyst growth 0.3%, PE expands to 11.2
Base Case
$68.65
(+1%)
Market implied 0.3%, PE stable at 10.2
Bear Case
$46.55
(-31%)
Severe decline -20.0%, PE contracts to 8.7
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 10.1 to 10.5
Stabilization Target:
$70.88
(+4.5%)
PE Expansion Potential:
+4.5%
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Last updated: November 11, 2026 1:47 PM ET
Data refreshes hourly during market hours. Next update: 2:47 PM
Data refreshes hourly during market hours. Next update: 2:47 PM
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Insider Activity (6 Months)
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NEUTRAL
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