International Bancshares Net Income
| IBOC Stock | USD 69.26 0.74 1.08% |
As of the 30th of January, International Bancshares retains the Downside Deviation of 1.49, market risk adjusted performance of 0.0333, and Risk Adjusted Performance of 0.0203. International Bancshares technical analysis makes it possible for you to employ historical prices and volume momentum with the intention to determine a pattern that calculates the direction of the firm's future prices.
International Bancshares Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 5.2583 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 470.5 M | 494.1 M | |
| Net Income Applicable To Common Shares | 345.3 M | 362.5 M | |
| Net Income From Continuing Ops | 470.5 M | 494.1 M | |
| Net Income Per Share | 5.92 | 6.22 | |
| Net Income Per E B T | 0.72 | 0.56 |
International | Net Income | Build AI portfolio with International Stock |
Analyzing International Bancshares's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing International Bancshares's current valuation and future prospects.
Latest International Bancshares' Net Income Growth Pattern
Below is the plot of the Net Income of International Bancshares over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in International Bancshares financial statement analysis. It represents the amount of money remaining after all of International Bancshares operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is International Bancshares' Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in International Bancshares' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 409.17 M | 10 Years Trend |
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Net Income |
| Timeline |
International Net Income Regression Statistics
| Arithmetic Mean | 230,040,894 | |
| Geometric Mean | 192,394,200 | |
| Coefficient Of Variation | 59.96 | |
| Mean Deviation | 112,877,040 | |
| Median | 167,319,000 | |
| Standard Deviation | 137,932,908 | |
| Sample Variance | 19025.5T | |
| Range | 454M | |
| R-Value | 0.93 | |
| Mean Square Error | 2873.8T | |
| R-Squared | 0.86 | |
| Slope | 25,306,979 | |
| Total Sum of Squares | 304407.8T |
International Net Income History
Other Fundumenentals of International Bancshares
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
International Bancshares Net Income component correlations
International Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for International Bancshares is extremely important. It helps to project a fair market value of International Stock properly, considering its historical fundamentals such as Net Income. Since International Bancshares' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of International Bancshares' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of International Bancshares' interrelated accounts and indicators.
Click cells to compare fundamentals
Will Regional Banks sector continue expanding? Could International diversify its offerings? Factors like these will boost the valuation of International Bancshares. Market participants price International higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every International Bancshares data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.088 | Dividend Share 1.4 | Earnings Share 6.76 | Revenue Per Share | Quarterly Revenue Growth 0.064 |
Investors evaluate International Bancshares using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating International Bancshares' intrinsic value—the estimated true worth—helps identify when the stock trades at a discount or premium to fair value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. External factors like market trends, sector rotation, and investor psychology can cause International Bancshares' market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between International Bancshares' value and its price as these two are different measures arrived at by different means. Investors typically determine if International Bancshares is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, International Bancshares' market price signifies the transaction level at which participants voluntarily complete trades.
International Bancshares 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to International Bancshares' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of International Bancshares.
| 11/01/2025 |
| 01/30/2026 |
If you would invest 0.00 in International Bancshares on November 1, 2025 and sell it all today you would earn a total of 0.00 from holding International Bancshares or generate 0.0% return on investment in International Bancshares over 90 days. International Bancshares is related to or competes with Webster Financial, Axos Financial, Cadence Bancorp, First Financial, Texas Capital, Inter Co, and ServisFirst Bancshares. International Bancshares Corporation, a financial holding company, provides commercial and retail banking services More
International Bancshares Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure International Bancshares' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess International Bancshares upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.49 | |||
| Information Ratio | (0.02) | |||
| Maximum Drawdown | 9.51 | |||
| Value At Risk | (2.10) | |||
| Potential Upside | 2.75 |
International Bancshares Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for International Bancshares' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as International Bancshares' standard deviation. In reality, there are many statistical measures that can use International Bancshares historical prices to predict the future International Bancshares' volatility.| Risk Adjusted Performance | 0.0203 | |||
| Jensen Alpha | (0.03) | |||
| Total Risk Alpha | (0.09) | |||
| Sortino Ratio | (0.02) | |||
| Treynor Ratio | 0.0233 |
International Bancshares January 30, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0203 | |||
| Market Risk Adjusted Performance | 0.0333 | |||
| Mean Deviation | 1.2 | |||
| Semi Deviation | 1.44 | |||
| Downside Deviation | 1.49 | |||
| Coefficient Of Variation | 4930.55 | |||
| Standard Deviation | 1.64 | |||
| Variance | 2.68 | |||
| Information Ratio | (0.02) | |||
| Jensen Alpha | (0.03) | |||
| Total Risk Alpha | (0.09) | |||
| Sortino Ratio | (0.02) | |||
| Treynor Ratio | 0.0233 | |||
| Maximum Drawdown | 9.51 | |||
| Value At Risk | (2.10) | |||
| Potential Upside | 2.75 | |||
| Downside Variance | 2.22 | |||
| Semi Variance | 2.07 | |||
| Expected Short fall | (1.40) | |||
| Skewness | 0.2652 | |||
| Kurtosis | 1.6 |
International Bancshares Backtested Returns
At this point, International Bancshares is very steady. International Bancshares holds Efficiency (Sharpe) Ratio of 0.0254, which attests that the entity had a 0.0254 % return per unit of risk over the last 3 months. We have found thirty technical indicators for International Bancshares, which you can use to evaluate the volatility of the firm. Please check out International Bancshares' Downside Deviation of 1.49, risk adjusted performance of 0.0203, and Market Risk Adjusted Performance of 0.0333 to validate if the risk estimate we provide is consistent with the expected return of 0.0421%. International Bancshares has a performance score of 2 on a scale of 0 to 100. The company retains a Market Volatility (i.e., Beta) of 1.0, which attests to possible diversification benefits within a given portfolio. International Bancshares returns are very sensitive to returns on the market. As the market goes up or down, International Bancshares is expected to follow. International Bancshares right now retains a risk of 1.65%. Please check out International Bancshares skewness, day typical price, and the relationship between the downside variance and daily balance of power , to decide if International Bancshares will be following its current trending patterns.
Auto-correlation | 0.31 |
Below average predictability
International Bancshares has below average predictability. Overlapping area represents the amount of predictability between International Bancshares time series from 1st of November 2025 to 16th of December 2025 and 16th of December 2025 to 30th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of International Bancshares price movement. The serial correlation of 0.31 indicates that nearly 31.0% of current International Bancshares price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.31 | |
| Spearman Rank Test | -0.23 | |
| Residual Average | 0.0 | |
| Price Variance | 1.91 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
International Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, International Bancshares reported net income of 409.17 M. This is 67.97% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 28.34% higher than that of the company.
International Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses International Bancshares' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of International Bancshares could also be used in its relative valuation, which is a method of valuing International Bancshares by comparing valuation metrics of similar companies.International Bancshares is currently under evaluation in net income category among its peers.
International Bancshares ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, International Bancshares' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to International Bancshares' managers, analysts, and investors.Environmental | Governance | Social |
International Bancshares Institutional Holders
Institutional Holdings refers to the ownership stake in International Bancshares that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of International Bancshares' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing International Bancshares' value.| Shares | Tamar Securities, Llc | 2025-06-30 | 722.6 K | Northern Trust Corp | 2025-06-30 | 694.5 K | Norges Bank | 2025-06-30 | 674 K | Aqr Capital Management Llc | 2025-06-30 | 659.4 K | Goldman Sachs Group Inc | 2025-06-30 | 615.5 K | T. Rowe Price Investment Management,inc. | 2025-06-30 | 581.8 K | Polaris Capital Management, Llc | 2025-06-30 | 573.6 K | Proshare Advisors Llc | 2025-06-30 | 546.2 K | Bank Of New York Mellon Corp | 2025-06-30 | 483.9 K | Blackrock Inc | 2025-06-30 | 6.8 M | Vanguard Group Inc | 2025-06-30 | 6.3 M |
International Fundamentals
| Return On Equity | 0.14 | |||
| Return On Asset | 0.0259 | |||
| Profit Margin | 0.51 % | |||
| Operating Margin | 0.65 % | |||
| Current Valuation | 4.35 B | |||
| Shares Outstanding | 62.16 M | |||
| Shares Owned By Insiders | 13.44 % | |||
| Shares Owned By Institutions | 70.81 % | |||
| Number Of Shares Shorted | 1.22 M | |||
| Price To Earning | 19.88 X | |||
| Price To Book | 1.36 X | |||
| Price To Sales | 5.24 X | |||
| Revenue | 1.04 B | |||
| Gross Profit | 821.72 M | |||
| EBITDA | 531.24 M | |||
| Net Income | 409.17 M | |||
| Cash And Equivalents | 3.42 B | |||
| Cash Per Share | 54.89 X | |||
| Total Debt | 654.73 M | |||
| Debt To Equity | 6.07 % | |||
| Book Value Per Share | 50.32 X | |||
| Cash Flow From Operations | 473.95 M | |||
| Short Ratio | 4.95 X | |||
| Earnings Per Share | 6.76 X | |||
| Target Price | 85.0 | |||
| Number Of Employees | 2.1 K | |||
| Beta | 0.74 | |||
| Market Capitalization | 4.24 B | |||
| Total Asset | 15.74 B | |||
| Retained Earnings | 3.36 B | |||
| Annual Yield | 0.02 % | |||
| Five Year Return | 2.55 % | |||
| Net Asset | 15.74 B | |||
| Last Dividend Paid | 1.4 |
About International Bancshares Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze International Bancshares's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of International Bancshares using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of International Bancshares based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Will Regional Banks sector continue expanding? Could International diversify its offerings? Factors like these will boost the valuation of International Bancshares. Market participants price International higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every International Bancshares data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.088 | Dividend Share 1.4 | Earnings Share 6.76 | Revenue Per Share | Quarterly Revenue Growth 0.064 |
Investors evaluate International Bancshares using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating International Bancshares' intrinsic value—the estimated true worth—helps identify when the stock trades at a discount or premium to fair value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. External factors like market trends, sector rotation, and investor psychology can cause International Bancshares' market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between International Bancshares' value and its price as these two are different measures arrived at by different means. Investors typically determine if International Bancshares is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, International Bancshares' market price signifies the transaction level at which participants voluntarily complete trades.