IBOC Stock Analysis: Buy, Sell, or Hold?
IBOC - International Bancshares Corp
$69.64
0.38 (0.55%)
▲
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 26, 2026
24d
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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% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: IBOC shows positive signals but monitor for confirmation. Market pricing in 0.2% annual growth which appears achievable. Moderate conviction.
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 $69.64, which is considered slightly high relative to its 30-day fair value range of $67.62 to $70.15. The stock's valuation (Forward PE: 10.3) is in line with its historical norms (10.3). At these levels, the market is pricing in 0.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, IBOC is showing sideways momentum. Immediate support is located at $67.07, while resistance sits at $72.68.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. In the options market, Implied Volatility is low (2th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $85.00 (+22.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, IBOC is showing sideways momentum. Immediate support is located at $67.07, while resistance sits at $72.68.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. In the options market, Implied Volatility is low (2th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $85.00 (+22.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Fair Price Range
$67.62 -
$70.15
Company Quality Score
59/100
(HOLD)
Options IV Signal
2th percentile
(COMPLACENCY WARNING)
Volume Confirmation
HIGH
Confidence Score
72.7%
All Signals
- BULLISH: Options cheap (IV 2th percentile)
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 22.1% below Wall St target ($85.00)
- NEUTRAL: Market pricing in 0.2% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$67.62 -
$70.15
Current vs Fair Value
SLIGHTLY HIGH
Expected Move (7 Days)
±$2.81
(4.0%)
Support & Resistance Levels
Support Level
$67.07
Resistance Level
$72.68
Current Trend
Sideways
Fundamental Context
Forward P/E (Next Year Est.)
10.33
Wall Street Target
$85.00
(+22.1%)
Revenue Growth (YoY)
6.4%
Earnings Growth (YoY)
8.8%
Profit Margin
51.2%
Valuation Premium vs History
+0.2% premium
PE vs Historical
10.3 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.2%
(market-implied from PE analysis)
1-Year Target
$69.78
(+0%)
2-Year Target
$69.92
(+0%)
3-Year Target
$70.06
(+1%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$69.84
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 3.1%)
$164.52
(+136%)
Base:
(SPY PE: 10.3, Growth: 3.1%)
$76.23
(+10%)
Bear:
(PE: 8.8, Growth: 3.1%)
$64.79
(-7%)
📈
Valuation based on Current Earnings
Trailing PE: 10.09 | Current EPS (TTM): $6.76
Bull Case
$74.82
(+7%)
Analyst growth -0.3%, PE expands to 11.1
Base Case
$68.02
(-2%)
Market implied -0.3%, PE stable at 10.1
Bear Case
$46.39
(-33%)
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.
Last updated: February 01, 2026 12:25 PM ET
Data refreshes hourly during market hours. Next update: 1:25 PM
Data refreshes hourly during market hours. Next update: 1:25 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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Advanced IBOC Option Strategies
Professional options setups generated by AI based on today's IBOC price and gamma walls.
