Intl Bancshares Corp (IBOC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$67.57-1.92%
Close 2026-11-03 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · IBOC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -14.6% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| 48.0% |
Growth built into the price is above our model estimate.
The price assumes 62.6 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 231 industry peers
IBOC — legal / regulatory event — Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standar…
Dated 2026-10-06
Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing. On October 6, 2026, International Bancshares Corporation (the “Company”), acting pursuant to authorization from its Board of Directors, notified The Nasdaq Stock Market LLC (“Nasdaq”) of its intention to voluntarily withdraw the listing of the Company’s common stock, par value $1.00 per share (the “Common Stock”), from Nasdaq and transfer the listing to the Texas Stock Exchange LLC (“TXSE”). T…
Why it matters: IBC moved its main listing to the Texas Stock Exchange on October 19. A smooth start would meet its stated plan.
Supportive ifIBOC trades on TXSE under the same ticker. No technical or rule issue is reported through the December 7 bell event.
Worry ifIBC reports a technical, regulatory, or trading issue tied to the TXSE listing.
Why it matters: IBC said lower deposit costs helped net interest income. It also tracks deposit rates to keep and grow deposits.
Watch forDeposits rise above $12.7 billion, their June 2026 level. The release notes lower deposit costs.
Also watch forDeposits fall below $12.7 billion. The release reports higher deposit costs.
Why it matters: The Q2 release tied higher credit costs to loan growth and non-accrual loans. Another increase could weigh on earnings.
Worry ifThe Q3 release reports a higher provision for credit losses than Q2 2026.
Less concerning ifThe Q3 provision is flat or lower than Q2 2026.
Why it matters: Q2 net income fell 4.3% from a year earlier. Q3 results will show whether that drop was brief.
Watch forQ3 net income is above $100.1 million, topping Q2 2025.
Also watch forQ3 net income is below $95.8 million, the Q2 2026 result.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$72 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $194 loss on $10,000 · 1.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,516 loss on $10,000 · 15.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: The dividend rose from $0.70 to $0.73 per share. A later increase would continue that record.
Supportive ifIBC declares a dividend above $0.73 per share.
Worry ifIBC declares a dividend below $0.73 per share or announces a cut.