Start here if you're new
what it is
It runs 166 facilities, takes deposits, makes loans, and serves Texas and Oklahoma.
how it gets paid
Last year Intl. Bancshares made $886M in revenue. Net interest income was the main engine at $620M, or 70% of sales.
why it's growing
Revenue grew 2.3% last year. EDGAR showed revenue up 192% vs. prior year and EPS up 182% vs. prior year.
what just happened
Revenue hit $662M and EPS reached $4.91, both up hard from last year.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
75/100 earnings predictability — reasonably predictable
10.4x trailing p/e — the market's not buying it — or you found a deal
2.2% dividend yield — cash in your pocket every quarter
$6.57 fy2024 eps est
xvary composite: 61/100 — average
What they do
It runs 166 facilities, takes deposits, makes loans, and serves Texas and Oklahoma.
166 facilities and 255 ATMs reach 75 communities. That is how your paycheck stays close to the bank. 2,103 employees keep the branch grid moving, and IBC Bank Online still runs 24 hours a day.
How they make money
$886M
annual revenue · their business grew +2.3% last year
Net interest income
$620M
Service charges and fees
$180M
Other banking income
$86M
The products that matter
commercial loans and banking
Commercial Banking
core lending engine
this sits inside an $886M revenue bank whose earnings still depend mostly on lending spreads, not fee businesses. That's where the money gets made and where the risk lives.
core engine
consumer deposits and loans
Retail Banking
deposit base
retail banking funds the balance sheet. That matters when $827M of revenue comes from net interest income. Cheap, steady deposits are not exciting. They are the business.
funding matters
fees and other banking income
Non-Interest Income
$59M · 7% of revenue
only $59M comes from fees and other non-spread income. That's the contrast that matters: $827M from spread income versus $59M from everything else.
thin diversification
Key numbers
$16.6B
assets
A $16.6B balance sheet gives the bank room to make loans and absorb shocks better than a tiny lender.
10.4x
p/e
You are paying 10.4 times earnings. That is a plain bank price, not a lottery ticket price.
2.2%
yield
You get 2.2% in cash while you wait. That is a small but real payment for patience.
$119M
debt
Long-term debt is $119M, or 3% of capital. That keeps leverage from getting silly.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 75 / 100
- long-term debt $119M (3% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for IBOC right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue hit $662M and EPS reached $4.91, both up hard from last year.
EDGAR showed revenue up 192% vs. prior year and EPS up 182% vs. prior year. The quarter was strong, but the full-year revenue base still sits at $886M.
$222M
revenue
$4.91
eps
n/a
n/a
the number that mattered
$662M was the quarter that mattered because it was 192% above last year and kept the bank’s top line moving.
source: EDGAR 10-Q and earnings release, 2025
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What could go wrong
the biggest risk is simple: you own a Texas lender with 93% of revenue tied to spread income, so a credit wobble and a margin squeeze would hit the same income statement.
high
Texas economic concentration
you own a regional bank whose operating reality is tied to Texas. if local credit conditions soften, the hit lands on loan demand, asset quality, and valuation at the same time.
concentration risk sits inside most of the $886M revenue base
high
interest-rate sensitivity
$827M of revenue comes from net interest income. in plain english: when spreads compress or deposit costs rise faster than loan yields, most of the earnings engine feels it.
93% of revenue is exposed to the rate backdrop
med
thin fee-income diversification
non-interest income was just $59M, or 7% of revenue. that's not much of a cushion if lending growth stalls or margins narrow.
only 7% of revenue comes from businesses outside spread income
med
low-growth rerating trap
a 10.4x multiple looks cheap until you remember revenue grew 2.3%. if growth stays around that level, the stock can stay inexpensive for a long time without actually being mispriced.
slow growth limits how far sentiment can stretch
with $827M of $886M revenue tied to net interest income, this business has limited room to hide if spreads compress or Texas credit quality weakens.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest income staying above $827M
that line is 93% of revenue. if it slips, you're not debating nuance anymore — you're debating the core business.
risk
credit quality in Texas markets
this is the first place the thesis breaks. a regional lender can absorb slower growth. it has a harder time absorbing weaker credit and tighter spreads together.
calendar
next earnings release with full figures
the latest update was short on hard numbers. the next quarter matters because you need actual EPS and revenue, not adjectives.
trend
non-interest income moving above $59M
if fees become more meaningful than 7% of revenue, the business gets more diversified and the valuation case gets cleaner.
Analyst rankings
earnings predictability
75 / 100
in human-speak: the bank's results have been reasonably steady, which fits a traditional regional lender more than a fast-changing story stock.
risk rank
3
that points to a middle-of-the-road risk profile. safer than the market's messiest corners, but not a bunker.
source: institutional data
Institutional activity
institutional ownership data for IBOC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$70
current price
n/a
target midpoint · n/a from current
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