NASDAQ · STOCK
Intl Bancshares Corp
$76.51
52W $63.20 – $78.46
64/100
$4.76B
11.4
0.69
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is IBOC Bullish or Bearish?
Bullish.
Innellis AI committee rates Intl Bancshares Corp (IBOC) Buy with a composite score of 64/100
, based on 7 analysts with 86% agreement.
Last updated August 01, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.01 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -8.99 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is p/e of 11.3 is inexpensive for the broad market. The main limiting factor is sector concentration is already high (hhi 2535.03). The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 11.3 is inexpensive for the broad market — Value
- Price-to-book of 1.3x is a discount to asset value — Value
- Revenue growing 69.2% YoY -- genuine top-line momentum — Growth
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
- No news coverage in the last 14 days -- limited independent confirmation either way — News
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 01, 2026
Overall Committee Score
64/100
Agreement
86%
Analysts
7
Conviction
High
Sector Rank
Top 30%
of 141 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 11.3 is inexpensive for the broad market
Growth Analyst
bullish
60
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 69.2% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
75
/ 100 · Moderate confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.21) -- balance sheet can absorb a shock
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
60
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
− No news coverage in the last 14 days -- limited independent confirmation either way
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2535.03)
Investment Thesis Evolution
Committee score moved marginally from 62.2 to 64.0.
- Conviction changed from moderate to high.
- Committee agreement increased notably from 71% to 86%.
- New bearish signals: 2 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance neutral->bullish; score 58->70 (+12).
- Portfolio Manager: +2 bearish signal(s).
Comparing 2026-07-31 to 2026-08-01 (1 day apart).
Technical Analysis
RSI (14)
51.9
Neutral
MACD Histogram
-0.039
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$70.41
Resistance
$76.78
Bollinger %B
0.63
Inside Bands
Price vs Moving Averages
EMA 9
$76.50
Above
EMA 21
$76.16
Above
EMA 50
$75.04
Above
EMA 200
$71.41
Above
Fundamental Analysis
Valuation
67
Growth
30
Profitability
1
Financial Health
62
Cash Flow
37
Valuation
P/E Ratio
11.4×
P/B Ratio
1.46×
PEG Ratio
5.77
Dividend Yield
0.02%
52W High
$78.46
52W Low
$63.20
Quality & Growth
ROE
12.7%
ROA
2.5%
Gross Margin
78.9%
Operating Margin
49.8%
Revenue Growth YoY
—
Debt / Equity
0.22
AI Fundamental Assessment
P/E ratio of 11.4 (inexpensive relative to a 15-40x range); Price-to-book of 1.5x; PEG ratio of 5.8 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.4%; Gross margin of 0.8%; Current ratio of 1.09 (tight short-term liquidity); Debt-to-equity of 0.22; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (7.29); Most recent quarter missed estimates by 4.3%; EPS growth decelerating (+9.6% -> -4.1% QoQ)
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