NASDAQ: IBOC · Regional Banks
International Bancshares (IBOC) fair value: undervalued or overvalued?
As of 29 Sep 2026, Faircurve's model values International Bancshares (IBOC) at $81.92 a share. The stock last closed at $69.84, which puts the model's fair value 17.3% above the price. On the model's bands that reads as Undervalued.
Revalued . Price is the close of 2 Oct 2026. International Bancshares Corporation.
Faircurve Insights · 29 Sep 2026
International Bancshares Corporation, functioning as a financial holding company, delivers a comprehensive array of commercial and retail banking services.
Faircurve's model on 29 Sep 2026 found a fair value of $81.92 a share, the midpoint of 2,000 simulations. The previous run, on 26 Sep 2026, gave $82.85, so the fair value moved -1.1%. The calibrated range over 63 trading days is $68.73 to $99.89, built from the fair value since there is no live options data for the stock, and calibrated weekly against realised prices. Ranges built this way held the price 60% of the time at this horizon, and the evidence grade is High.
The business scores on quality against comparable companies, which are Fulton Financial Corporation (FULT), ServisFirst Bancshares, Inc. (SFBS), Texas Capital Bancshares, Inc. (TCBI), First BanCorp. (FBP), Cathay General Bancorp (CATY), United Community Banks, Inc. (UCB), First Financial Bankshares, Inc. (FFIN), and WSFS Financial Corporation (WSFS). The median size of moves around the last 8 earnings reports was 2.3%, ignoring direction.
Written from the figures on this page for the 29 Sep 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give IBOC?
The calibrated range for IBOC over 63 trading days is $68.73 to $99.89. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,327 past valuations, refreshed 26 Sep 2026). Ranges built this way held the price 60% of the time at this horizon.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $69.71 to $95.12. In 80% of the simulations the fair value came out above the price the model ran on.
How does IBOC compare with similar companies?
The companies in regional banks closest to International Bancshares in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| FULT Fulton Financial Corporation | $22.81 | $22.32 | -2.1% | Fairly valued |
| SFBS ServisFirst Bancshares, Inc. | $40.15 | $37.75 | -6.0% | Fairly valued |
| TCBI Texas Capital Bancshares, Inc. | $93.76 | $87.21 | -7.0% | Fairly valued |
| FBP First BanCorp. | $27.04 | $28.30 | +4.7% | Fairly valued |
| CATY Cathay General Bancorp | $60.84 | $63.45 | +4.3% | Fairly valued |
| UCB United Community Banks, Inc. | $34.11 | $32.55 | -4.6% | Fairly valued |
| FFIN First Financial Bankshares, Inc. | $32.15 | $22.66 | -29.5% | Overvalued |
| WSFS WSFS Financial Corporation | $78.03 | $66.20 | -15.2% | Overvalued |
When does IBOC report earnings, and how has the stock reacted?
International Bancshares's next earnings report is scheduled for 5 Nov 2026. Companies can move their dates.
How IBOC moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 2.3%.
| Report date | Two session move |
|---|---|
| 6 Aug 2026 | -3.1% |
| 7 May 2026 | +1.0% |
| 26 Feb 2026 | -3.9% |
| 6 Nov 2025 | -2.2% |
| 7 Aug 2025 | -0.8% |
| 5 May 2025 | +8.7% |
| 27 Feb 2025 | +2.4% |
| 7 Nov 2024 | -2.0% |
International Bancshares at a glance
International Bancshares Corporation (IBC), functioning as a financial holding company, delivers a comprehensive array of commercial and retail banking services.
- Market value
- $4.3B
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- +14.9%
- Analysts with estimates
- 1
- Beta to the US market
- 0.40
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices International Bancshares on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 26 Sep 2026 the model's fair value for IBOC was $82.85. As of 29 Sep 2026 it is $81.92, a change of -1.1%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about International Bancshares's valuation
Is International Bancshares stock undervalued or overvalued?
On Faircurve's model, IBOC reads as Undervalued as of 29 Sep 2026. The model's fair value is $81.92 a share against a last close of $69.84, a gap of +17.3%.
What is IBOC's fair value?
$81.92 a share as of 29 Sep 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $69.71 to $95.12.
What price range does the model give IBOC?
$68.73 to $99.89 over 63 trading days. Ranges built this way held the price 60% of the time across 4,327 past valuations, refreshed 26 Sep 2026.
When does International Bancshares report earnings next?
The next report is scheduled for 5 Nov 2026. Companies can move their dates.
How much has IBOC moved on past earnings reports?
Across its last 8 reports the median two session move was 2.3%, ignoring direction. The largest was +8.7% around the report of 5 May 2025.
How confident is the model in this valuation?
The model's evidence grade for IBOC is high. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.