IBOC
International BancsharesCNasdaq / Banks
Last Price
At close
2026-07-20
Current thesis
Composite grade C from latest DB weights. Momentum 36.4 / Value 60.2 / Sentiment 59.6
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta 0.0.
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 2026-07-20
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
Unavailable: No memo yet
Investment thesisAs of 2026-07-20
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $87.00
Why
Momentum36 · Δ7d +6.3
Value60 · Δ7d 0.0
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 trendFlat
Δ7d
+6.3
Δ21d
-10.2
Value
60
39% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.1
Sentiment
60
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade C. Momentum 36.4 / Value 60.2 / Sentiment 59.6
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 2026-07-20 • Updated nightlySource: Internal modelMethodology