IBOC Stock Analysis: Buy, Sell, or Hold?
IBOC - International Bancshares Corp
$67.29
0.25 (0.37%)
▲
5d:
-0.81%
30d:
-1.59%
90d:
-0.36%
BUY
HIGH Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: May 04, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: IBOC shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: IBOC shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$82.65
Based on 3.6% avg growth
INTRINSIC VALUE TODAY
$51.32
Trading above fair value
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 10.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: IBOC is currently trading at $67.29, which is considered fair relative to its 30-day fair value range of $66.57 to $69.01. The stock's valuation (Forward PE: 10.0) is in line with its historical norms (10.3). Remarkably, the market is currently pricing in an annual earnings decline of 1.0% over the next few years. This pessimistic expectation contrasts with the company's recent 8.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, IBOC is showing sideways momentum. The price is currently testing key support at $65.52. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: IBOC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $85.00 (+26.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, IBOC is showing sideways momentum. The price is currently testing key support at $65.52. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: IBOC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $85.00 (+26.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$66.57 -
$69.01
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
83.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 26.3% below Wall St target ($85.00)
Fair Price Analysis
30-Day Fair Range
$66.57 -
$69.01
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$65.52
Resistance Level
$69.42
Current Trend
Sideways
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.98
Wall Street Target
$85.00
(+26.3%)
Revenue Growth (YoY)
6.4%
Earnings Growth (YoY)
8.8%
Profit Margin
51.2%
Valuation Discount vs History
-1.0% cheaper
PE vs Historical
10.0 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.0%
(market-implied from PE analysis)
1-Year Target
$66.62
(-1%)
2-Year Target
$65.95
(-2%)
3-Year Target
$65.29
(-3%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
$67.36
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 3.1%)
$164.89
(+145%)
Base:
(SPY PE: 10.0, Growth: 3.1%)
$73.65
(+10%)
Bear:
(PE: 8.5, Growth: 3.1%)
$62.61
(-7%)
📈
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: 10.09 | Current EPS (TTM): $6.76
Bull Case
$74.82
(+11%)
Analyst growth -0.3%, PE expands to 11.1
Base Case
$68.02
(+1%)
Market implied -0.3%, PE stable at 10.1
Bear Case
$46.39
(-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 10.0 to 10.3
Stabilization Target:
$69.42
(+3.2%)
PE Expansion Potential:
+3.2%
Share & Embed Analysis
Last updated: March 31, 2026 6:34 PM ET
Data refreshes hourly during market hours. Next update: 7:34 PM
Data refreshes hourly during market hours. Next update: 7:34 PM
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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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