INTERNATIONAL BANCSHARES CORPORATION
In the published model solve dated 2026-Q2, anchored at $70.93, INTERNATIONAL BANCSHARES CORPORATION (IBOC) is priced for 11.1% return on equity. boothcheck publishes no house fair value, target price, or buy/sell rating; individual model outputs and user-controlled scenarios are analytical inputs, not Boothcheck targets. The narrative was composed June 27, 2026 from SEC EDGAR filings.
• International Bancshares is one of the largest independent bank holding companies in Texas, with a deposit-funded franchise concentrated along the Texas-Mexico border, and it earns a solid return on equity of about 12.7% on a tangible book of $48.28 per share. • The defining risk is credit, not capital: a slice of soured loans surfaced recently, and for a regional bank the question is always whether the loan book holds up if the local economy slows, with the allowance running near 1.7% of loan
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279 institutional managers reported holding IBOC in 13F filings for the quarter ended 2026-03-31. Together they hold about 69% of the company; the top 10 hold 45%. 43 opened new positions that quarter. Held by BlackRock, Vanguard Group, Dimensional Fund Advisors, among others. On the short side, 1.5M shares were sold short as of the 2026-06-15 count, about 2% of shares outstanding (4.5 days of typical volume to cover).
Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.
IBOC has cut its share count 1.9% over the past five years, spending $62.96M on repurchases. It pays a dividend, and has paid one every year in our records (17 and counting), raised 16 years straight; the current rate is $1.40 a share annually. Cash returned over the past three years: $253.63M in dividends and $5.84M in repurchases.
Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.
No open-market insider buys on file at IBOC over the trailing three years. Absence is a fact about the company, not a signal. 3 officers and directors are on file.
Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.
IBOC's recent reports: the day-one move, then what the following quarter actually did.
| report | day one | next quarter |
|---|---|---|
| 2023-08-04 | -1.8% | -9.8% |
| 2023-11-03 | +7.7% | +8.6% |
| 2024-02-27 | -0.9% | +8.3% |
| 2024-05-03 | +4.2% | -5.2% |
Day-one is the close-to-close move around the filing. Nothing here is investment advice.
IBOC's latest 8-K filings: 2026-08-06 (items 2.02, 9.01); 2026-08-03 (items 8.01, 9.01); 2026-05-20 (items 5.07); 2026-05-12 (items 5.03, 9.01); 2026-05-07 (items 2.02, 9.01).
Item codes are the SEC's own classification of what each report discloses. Dates link to the filing on EDGAR. Nothing here is investment advice.
Model solve date: 2026-Q2
Narrative composed: June 27, 2026
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For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.