INTERNATIONAL BANCSHARES CORP(IBOC)Stock Analysis
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Not in ranked universe
Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
IBOC Stock Analysis & AI Quality Score
AI stock analysis and institutional research for INTERNATIONAL BANCSHARES CORP (IBOC), a Financials sector company. IBOC is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), INTERNATIONAL BANCSHARES CORP reports quarterly revenue of $208.5M, net income of $102.2M, an operating margin of 62.1%. Top institutional holders of IBOC by reported 13-F value include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, AMERICAN CENTURY COMPANIES, based on the most recent SEC filings. IBOC trades on the Nasdaq exchange and files with the SEC under CIK 315709. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate IBOC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for INTERNATIONAL BANCSHARES CORP directly from SEC EDGAR.
Revenue
Q1 2026
$208.5M
Net Income
Q1 2026
$102.2M
Free Cash Flow
Q1 2026
$116.0M
Operating Margin
Q1 2026
62.1%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+144.5% YoYEPS (Diluted)
+150.8% YoYTotal Assets
+12.2% YoYOp. Cash Flow
+55.3% YoY| Metric | FY 2024 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|
| Net Income | $409.2M +144.5% | $167.3M -18.4% | $205.1M -5.0% | $215.9M +37.2% | $157.4M +17.5% | $133.9M |
| EPS (Diluted) | $6.57 +150.8% | $2.62 -16.0% | $3.12 -3.7% | $3.24 +37.3% | $2.36 +16.8% | $2.02 |
| Total Assets | $15.74B +12.2% | $14.03B +15.8% | $12.11B +2.0% | $11.87B -2.6% | $12.18B +3.2% | $11.80B |
| Operating Cash Flow | $473.9M +55.3% | $305.1M -2.1% | $311.6M +35.6% | $229.8M +16.8% | $196.8M -3.1% | $203.2M |
AI Insight: IBOC Financial Trends
Equity base expanded 27% over eight quarters to $3,288M, signaling steady capital accumulation even as net income stayed range-bound.
• Equity grew consistently from $2,577M in Q2 2024 to $3,288M in Q1 2026, a $711M increase over eight quarters.
• Net income remained range-bound between $97M and $115M, with no sustained upward breakout across the period.
• Operating cash flow was volatile, swinging from a low of $95M in Q2 2025 to a high of $140M in Q1 2025 and Q4 2025.
⚠ Op CF dropped sharply to $95M in Q2 2025 — the weakest reading in the dataset — before recovering; consistency warrants monitoring.
⚠ Net income slipped to $102M in Q1 2026 after peaking at $115M in Q4 2024, suggesting earnings momentum has not kept pace with equity growth.
AI Insight: IBOC Ratio Trends
IBOC's ROIC has compressed 3.7pp from the Q2 2024 peak of 19.4% to 15.7% in Q1 2026, signaling a sustained erosion in capital efficiency.
• ROIC declined from 19.4% in Q2 2024 to 15.7% in Q1 2026 — a 3.7pp contraction over five quarters.
• ROE fell from a recent high of 16.5% in Q4 2024 to 12.4% in Q1 2026, the lowest point in the dataset.
• ROA has remained range-bound between 2.4% and 2.9%, showing relative stability despite declining return metrics.
⚠ ROIC at 15.7% in Q1 2026 is the lowest quarterly reading in the dataset — watch for further deterioration.
⚠ ROA dipped back to 2.4% in Q1 2026 after a brief uptick to 2.6% in Q3–Q4 2025 — no recovery yet.
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Available Research
13F Pro tracks comprehensive data for INTERNATIONAL BANCSHARES CORP including:
Top Institutional Holders of IBOC
BlackRock, Inc.
$447.1M6,645,092 shVANGUARD PORTFOLIO MANAGEMENT LLC
$228.9M3,401,609 shAMERICAN CENTURY COMPANIES INC
$217.3M3,228,578 shDIMENSIONAL FUND ADVISORS LP
$214.4M3,186,820 shSTATE STREET CORP
$176.6M2,624,894 shVANGUARD CAPITAL MANAGEMENT LLC
$166.5M2,474,514 shGEODE CAPITAL MANAGEMENT, LLC
$100.3M1,490,897 shAzora Capital LP
$88.3M1,312,674 shFIRST TRUST ADVISORS LP
$76.5M1,137,572 shBoston Trust Walden Corp
$73.2M1,087,661 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $447.1M | 6,645,092 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $228.9M | 3,401,609 |
| AMERICAN CENTURY COMPANIES INC | $217.3M | 3,228,578 |
| DIMENSIONAL FUND ADVISORS LP | $214.4M | 3,186,820 |
| STATE STREET CORP | $176.6M | 2,624,894 |
| VANGUARD CAPITAL MANAGEMENT LLC | $166.5M | 2,474,514 |
| GEODE CAPITAL MANAGEMENT, LLC | $100.3M | 1,490,897 |
| Azora Capital LP | $88.3M | 1,312,674 |
| FIRST TRUST ADVISORS LP | $76.5M | 1,137,572 |
| Boston Trust Walden Corp | $73.2M | 1,087,661 |
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Popular Research
Is IBOC a good stock to buy?
13F Pro's AI-powered analysis of INTERNATIONAL BANCSHARES CORP (IBOC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for IBOC are available on the IBOC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own IBOC?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling IBOC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of INTERNATIONAL BANCSHARES CORP's investment landscape.