IBOC
International BancsharesCNasdaq / Banks
Last Price
At close
2026-07-18
Current thesis
Composite grade C from latest DB weights. Momentum 36.3 / Value 60.2 / Sentiment 60.2
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.1.
What can break
Mixed signals. Wait for cleaner trend confirmation.
Momentum
36
Value
60
Sentiment
60
Setup hits (3d)
0 · Net Neutral
AI TargetsBase - · Bull - · Bear -
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
Unavailable: No memo yet
Investment thesisAs of 2026-07-18
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $87.00
Why
Momentum36 · Δ7d +1.0
Value60 · Δ7d -0.1
Sentiment60 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
36
26% active weight
Current posture
7d trendSoftening
Δ7d
+1.0
Δ21d
-20.1
Value
60
39% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
+0.4
Sentiment
60
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade C. Momentum 36.3 / Value 60.2 / Sentiment 60.2
Fundamentals (TTM)As of 2026-07-20
Fundamentals (TTM)
As of 2026-07-20
Market Cap
$4.73B
Beta
0.74
Shares Out
62.18M
P/E (TTM)
10.1
P/S (TTM)
5.09
P/FCF (TTM)
11.57
Rev YoY
+2.4%
EPS YoY
+5.6%
Gross Margin
-
Op Margin
+62.1%
Net Debt
$168.26M
Current Ratio
0.13
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology