IBOC · NASDAQ · STOCK
Intl Bancshares (IBOC) Stock Analysis
$70.28
52W $63.20 – $78.46
65/100
$4.37B
10.6
0.68
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is IBOC Bullish or Bearish?
Bullish.
Innellis AI committee rates Intl Bancshares Corp (IBOC) Buy with a composite score of 65/100
, based on 6 analysts with 83% agreement.
Last updated September 21, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +9.93 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -10.07 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is p/e of 10.6 is inexpensive for the broad market. The main limiting factor is 2 consecutive earnings misses -- execution concerns. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 10.6 is inexpensive for the broad market — Value
- Price-to-book of 1.3x is a discount to asset value — Value
- Dividend yield of 2.8% pays you to wait — Value
- Revenue growing 69.2% YoY -- genuine top-line momentum — Growth
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- 2 consecutive earnings misses -- execution concerns — Growth
- No news coverage in the last 14 days -- limited independent confirmation either way — News
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 21, 2026
Overall Committee Score
65/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 24%
of 211 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 10.6 is inexpensive for the broad market
Growth Analyst
neutral
52
/ 100 · Moderate confidence
Moderate growth -- present but not remarkable
+ Revenue growing 69.2% YoY -- genuine top-line momentum
− 2 consecutive earnings misses -- execution concerns
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ MACD histogram positive -- bullish momentum
Risk Analyst
bullish
75
/ 100 · Moderate confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.21) -- balance sheet can absorb a shock
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
60
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
− No news coverage in the last 14 days -- limited independent confirmation either way
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2518.64)
Investment Thesis Evolution
Committee score moved marginally from 65.1 to 65.1.
Comparing 2026-09-20 to 2026-09-21 (1 day apart).
Technical Analysis
RSI (14)
36.6
Neutral
MACD Histogram
0.099
Bullish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Lh Ll
Support
$66.24
Resistance
$71.86
Bollinger %B
0.21
Inside Bands
Price vs Moving Averages
EMA 9
$70.91
Below
EMA 21
$71.39
Below
EMA 50
$72.47
Below
EMA 200
$71.56
Below
Fundamental Analysis
Valuation
67
Growth
42
Profitability
72
Financial Health
53
Cash Flow
70
Valuation
P/E Ratio
10.6×
P/B Ratio
1.29×
PEG Ratio
70.13
Dividend Yield
2.08%
52W High
$78.46
52W Low
$63.20
Quality & Growth
ROE
1268.0%
ROA
247.2%
Gross Margin
7870.4%
Operating Margin
4919.6%
Revenue Growth YoY
—
Debt / Equity
0.22
AI Fundamental Assessment
P/E ratio of 10.6 (inexpensive relative to a 15-40x range); Price-to-book of 1.3x; PEG ratio of 70.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 12.7%; Return on assets of 2.5%; Net margin of 38.8%; Gross margin of 78.7%; Current ratio of 0.86 (tight short-term liquidity); Debt-to-equity of 0.22; Free cash flow per share is positive (7.28); Most recent quarter missed estimates by 10.1%; 2 consecutive earnings misses; EPS growth roughly steady (-4.1% -> -6.1% QoQ); Analyst estimates rising over recent quarters
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