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IBOC

International BancsharesB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
The bull case rests on continued loan and deposit growth, lower deposit funding costs, disciplined expense control, and eventual operating leverage from efficiency initiatives. A retrieved secondary analyst page lists one Buy rating and an $87 target maintained on March 9, 2026, before the Q2 print; no post-print upgrade or target change was identified.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +3.6.
What can break
Analyst coverage is thin, and no post-print estimate, rating, or target revision was identified.
Momentum
25
Value
62
Sentiment
71
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $80.00 · Bull $92.00 · Bear $67.00Analysis 2026-08-08; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-08 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $87.00
Why
Momentum25 · Δ7d +3.3
Value62 · Δ7d 0.0
Sentiment71 · Δ7d +3.6
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +3.6.

Contradictions & invalidation

  • • Analyst coverage is thin, and no post-print estimate, rating, or target revision was identified.
  • • Deposit repricing could reduce net interest income if competitive funding costs rise.
  • • The bear case is that Q2 earnings momentum softened, credit-loss provisions increased, and further non-accrual or provisioning pressure offsets balance-sheet growth.

Catalyst clock

2026-11-06

Loan and deposit growth supports balance-sheet expansion

Lead driver: Sentiment · See AI snapshot
Momentum
25
9% active weight
Current posture
7d trendImproving
Δ7d
+3.3
Δ21d
+1.4
Value
62
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
-6.1
Sentiment
71
62% active weight
Current posture
7d trendImproving
Δ7d
+3.6
Δ21d
+4.4
Why this grade

Composite grade B. Momentum 25.0 / Value 61.9 / Sentiment 70.9

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-08. Scenario method

B+
Bull case
20%
Probability
Target price
$92.00
Analysis reference price unavailable
Analysis 2026-08-08 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$80.00
Analysis reference price unavailable
Analysis 2026-08-08 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$67.00
Analysis reference price unavailable
Analysis 2026-08-08 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$4.55B
Beta
0.74
Shares Out
62.19M
P/E (TTM)
10.1
P/S (TTM)
5.09
P/FCF (TTM)
11.57
Rev YoY
+1.2%
EPS YoY
-4.4%
Gross Margin
-
Op Margin
+49.3%
Net Debt
$168.26M
Current Ratio
0.10
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data