Intl Bancshares Corp (IBOC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$71.91+0.52%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · IBOC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks IBOC against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Met or beat guidance 0% of the last 1 guided quarters · -1.7% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Maintain consistent superior financial performance through strong asset, liability, and liquidity management and customer service.
Stated as a priority in 4 of last 4 quarters. Net income rose modestly from $197.0 million in first half 2025 to $198.0 million in first half 2026 (+0.5%). Net income for Q1 2026 increased 5.5% year-over-year to $102.2 million. Management consistently emphasizes delivering industry-leading financial results and the trajectory shows delivering with modest growth.
“We will continue to deliver public company industry-leading financial results.”
“We will continue to deliver industry-leading financial results.”
“We will continue to deliver industry-leading financial results.”
“We are extremely pleased and proud to continue our industry-leading financial results.”
Continue vigilant cost management and process efficiency improvements including AI initiatives to support financial performance.
Stated as a priority in 4 of last 4 quarters. Management consistently emphasizes strong cost controls and process efficiencies including AI initiatives. Financials show stable operating income around $125M to $136M quarterly, indicating steady cost management. The trajectory is delivering steady cost discipline.
“Continued execution of strong cost controls and evaluating processes for efficiencies using AI initiatives.”
Maintain and grow cash dividends to shareholders reflecting strong capital position and earnings.
Stated as a priority in 2 of last 4 quarters. Dividend per share increased from $0.70 in 2025-Q3 to $0.73 in 2026-Q1, a 4.3% increase. Management highlights strong capital position and commitment to shareholder returns. The trajectory is delivering dividend growth.
Over the trailing year it converted 1.31x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
5 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.
“Focused on strong cost controls and evaluating processes for efficiencies using AI initiatives.”
“Focused on strong cost controls and evaluating processes for efficiencies using AI initiatives.”
“Strong cost controls and evaluating processes for efficiencies across our organization using new AI initiatives.”
“Dividend per share was $0.73 in 2026-Q1.”