International Bancshares (IBOC) Stock: Buy, Sell, or Hold?
IBOC - International Bancshares Corp
$66.89
0.80 (1.21%)
▲
5d:
-1.12%
30d:
-3.21%
90d:
-12.89%
WAIT
LOW Confidence
Analysis Updated: Oct 21, 2026 12:00 AM ET
Earnings: Nov 05, 2026
13d
Get Alerted When IBOC Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 MIXED SIGNALS: IBOC shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: IBOC shows conflicting indicators. Wait for confirmation before entering.
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 $66.89, which is considered oversold relative to its 30-day fair value range of $67.15 to $70.34. The stock's valuation (Forward PE: 9.8) is in line with its historical norms (10.6). Remarkably, the market is currently pricing in an annual earnings decline of 2.6% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, IBOC is in a strong downtrend. The price is currently testing key support at $65.31. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 57/100 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 (+31.6%). 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 $65.31. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 57/100 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 (+31.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$67.15 -
$70.34
Company Quality Score
42/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (57/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 31.6% below Wall St target ($87.00)
- WARNING: Composite score 42/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$67.15 -
$70.34
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$65.31
Resistance Level
$69.04
Current Trend
Strong Downtrend
Technical data as of
Oct 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.79
Wall Street Target
$87.00
(+31.6%)
Earnings Growth (YoY)
-4.3%
Profit Margin
49.3%
Valuation Discount vs History
-2.6% cheaper
PE vs Historical
9.8 vs 10.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.6%
(market-implied from PE analysis)
1-Year Target
$64.37
(-3%)
2-Year Target
$62.70
(-5%)
3-Year Target
$61.07
(-8%)
3-Yr Target (if PE normalizes)
(PE: 10→11)
$66.11
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 5.6%)
$158.01
(+139%)
Base:
(SPY PE: 9.8, Growth: 5.6%)
$77.90
(+18%)
Bear:
(PE: 8.3, Growth: 5.6%)
$66.22
(+0%)
📈
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: 10.16 | Current EPS (TTM): $6.63
Bull Case
$75.41
(+14%)
Analyst growth 1.8%, PE expands to 11.2
Base Case
$68.56
(+4%)
Market implied 1.8%, PE stable at 10.2
Bear Case
$45.79
(-31%)
Severe decline -20.0%, PE contracts to 8.6
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 9.8 to 10.6
Stabilization Target:
$71.55
(+8.3%)
PE Expansion Potential:
+8.3%
Share & Embed Analysis
Last updated: October 22, 2026 10:12 AM ET
Data refreshes hourly during market hours. Next update: 11:12 AM
Data refreshes hourly during market hours. Next update: 11:12 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is IBOC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
FITB
Fifth Third Bancorp |
STRONG BUY
22 analysts |
$62 | 62 BUY |
|
NU
Nu Holdings Ltd |
STRONG BUY
22 analysts |
$19 | 50 HOLD |
|
KEY
KeyCorp |
BUY
20 analysts |
$25 | 63 BUY |
|
UMBF
UMB Financial Corporation |
STRONG BUY
16 analysts |
$164 | 61 BUY |
|
EWBC
East West Bancorp Inc |
STRONG BUY
16 analysts |
$148 | 52 HOLD |
