IBOC Stock Analysis: Buy, Sell, or Hold?
IBOC - International Bancshares Corp
$71.49
-0.21 (-0.29%)
▼
5d:
-2.58%
30d:
-5.64%
90d:
-0.46%
BUY
MODERATE Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Aug 06, 2026
0d
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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 0.2% decline. Moderate conviction.
💡 BUY OPPORTUNITY: IBOC shows positive signals but monitor for confirmation. Market pricing in 0.2% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$91.30
Based on 4.8% avg growth
INTRINSIC VALUE TODAY
$56.69
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 10.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: IBOC is currently trading at $71.49, which is considered oversold relative to its 30-day fair value range of $72.89 to $76.81. The stock's valuation (Forward PE: 10.6) is in line with its historical norms (10.7). Remarkably, the market is currently pricing in an annual earnings decline of 0.2% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, IBOC is in a uptrend. The price is currently testing key support at $71.01. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: IBOC scores 67/100 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 (+21.7%). 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 currently testing key support at $71.01. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: IBOC scores 67/100 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 (+21.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$72.89 -
$76.81
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
90.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (67/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 21.7% below Wall St target ($87.00)
- BULLISH: Bottoming setup score 67/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$72.89 -
$76.81
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$71.01
Resistance Level
$73.80
Current Trend
Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.59
Wall Street Target
$87.00
(+21.7%)
Earnings Growth (YoY)
-4.3%
Profit Margin
49.3%
Valuation Discount vs History
-0.2% cheaper
PE vs Historical
10.6 vs 10.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.2%
(market-implied from PE analysis)
1-Year Target
$71.35
(0%)
2-Year Target
$71.20
(0%)
3-Year Target
$71.06
(-1%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
$71.79
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 5.6%)
$159.68
(+123%)
Base:
(SPY PE: 10.6, Growth: 5.6%)
$84.27
(+18%)
Bear:
(PE: 9.0, Growth: 5.6%)
$71.63
(+0%)
📈
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: 10.78 | Current EPS (TTM): $6.65
Bull Case
$80.06
(+12%)
Analyst growth 1.5%, PE expands to 11.9
Base Case
$72.78
(+2%)
Market implied 1.5%, PE stable at 10.8
Bear Case
$48.76
(-32%)
Severe decline -20.0%, PE contracts to 9.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.6 to 10.7
Stabilization Target:
$72.22
(+1.0%)
PE Expansion Potential:
+1.0%
Share & Embed Analysis
Last updated: August 23, 2026 2:26 AM ET
Data refreshes hourly during market hours. Next update: 3:26 AM
Data refreshes hourly during market hours. Next update: 3:26 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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