Latest revenue
$83.4M
as of 2026-03-31
Latest net income
$102.2M
as of 2026-03-31
Net margin
122.5%
as of 2026-03-31
ActaClear Score
Computed from 5 years of SEC fundamentals + latest market data, ranked within State Commercial Banks (212 peers). 10 = best in industry, 5 = median, 0 = worst. Refreshed Jun 6, 2026.
Fair value · DCF
DCF: 10-year forecast of free cash flow, discounted at the company's WACC, with a Gordon-growth terminal at year 10. FCF is proxied by last fiscal-year net income (proper FCF needs CFO − CapEx by year, which we don't store yet). Drag the slider to test your own growth thesis — the dominant assumption in any DCF is what comes next, not what the math does with it. Beta defaults to 1.0 when not reported.
Community sentiment
Where do you think IBOC is heading?
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $4.54B
- Enterprise value
- $3.95B
- P/E (trailing)
- 11.0×
- Forward P/E
- —
- P/B
- 1.38×
- Dividend yield
- 2.0%
- 52-wk high
- $75.44
- 52-wk low
- $61.15
- Beta
- —
- Shares out
- 62.2M
5-year trend
What this company does
Item 1. Business General We are a registered multibank financial holding company providing a diversified range of commercial and retail banking services in our main banking and branch facilities located in north, south, central, and southeast Texas and the State of Oklahoma. We were organized and we operate as a bank holding company within the meaning of the Bank Holding Company Act of 1956 (BHCA). As a bank holding company, we may own one or more banks and may engage in activities closely related to banking. In this regard, we are subject to supervision and regulation by the Board of Governors of the Federal Reserve System (FRB). In addition, all five of our wholly owned banking…
AI summary unavailable — showing raw filing excerpt
Generated from IBOC's filing dated 2026-02-26
Key risks
Item 1A. Risk Factors Risk Factors An investment in the Company’s common stock involves risks. The following is a description of the material risks and uncertainties that the Company believes affect its business and an investment in its common stock. If any of the risks described below were to occur, our financial condition, results of operations and cash flows could be materially and adversely affected. If this were to happen, the value of the common stock could decline significantly and all or part of an investment could be lost. Risks Related to Our Business Our allowance for probable loan losses may be insufficient. The determination of an appropriate level of loan loss allowance is an…
AI summary unavailable — showing raw filing excerpt
Generated from IBOC's filing dated 2026-02-26
Profitability
Net margin
39.0%
0.5%Return on equity
12.7%
24.1%Return on assets
9370.3%
360334.0%Leverage
Debt / equity
-1.00×
118.4%Debt / assets
-73800.9%
87492.5%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-03-31 | $83.4M | +7.1% | $102.2M | +5.5% | 122.5% |
Q4 2025 2025-12-31 | $884.0M | +1.7% | $106.9M | -7.1% | 12.1% |
Q3 2025 2025-09-30 | $50.4M | +4.0% | $108.4M | +8.6% | 215.1% |
Q2 2025 2025-06-30 | $43.7M | -6.2% | $100.1M | +3.3% | 229.1% |
Q1 2025 2025-03-31 | $77.9M | -0.7% | $96.9M | -0.5% | 124.3% |
Q4 2024 2024-12-31 | $869.3M | — | $115.1M | — | 13.2% |
Q3 2024 2024-09-30 | $48.5M | -3.3% | $99.8M | -3.4% | 205.9% |
Q2 2024 2024-06-30 | $46.6M | +14.1% | $97.0M | -3.5% | 208.1% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
State Commercial Banks · SIC 6022
Your notes
Keep private notes on IBOC — thesis, target price, catalysts to watch.
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Insider activity
Insider buying
$0
Insider selling
$9.0M
Net activity
−$9.0M
Distinct insiders
2
Open-market trades over the last 365 days.
Recent transactions
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns IBOC
Institutional value
$1.61B
Total shares held
24.2M
Distinct holders
172
-93 vs prior
As of
2026-03-31
Prior: 2025-12-31
Filers with $100M+ AUM disclose holdings 45 days after quarter end.
Top institutional holders
| # | Manager | Shares | Value | QoQ change | Action |
|---|---|---|---|---|---|
| 1 | BlackRock, Inc. | 6.6M | $447.1M | -64.8K (-1.0%) | Trimmed |
| 2 | VANGUARD PORTFOLIO MANAGEMENT LLC | 3.4M | $228.9M | — | New |
| 3 | DIMENSIONAL FUND ADVISORS LP | 3.2M | $214.4M | +9.5K (+0.3%) | Added |
| 4 | VANGUARD CAPITAL MANAGEMENT LLC | 2.5M | $166.5M | — | New |
| 5 | FIRST TRUST ADVISORS LP | 1.1M | $76.5M | -226.6K (-16.6%) | Trimmed |
| 6 | Boston Trust Walden Corp | 1.1M | $73.2M | -104.2K (-8.7%) | Trimmed |
| 7 | REINHART PARTNERS, LLC. | 745.7K | $50.2M | +6.4K (+0.9%) | Added |
| 8 | Polaris Capital Management, LLC | 463.0K | $31.2M | -14.3K (-3.0%) | Trimmed |
| 9 | Bank of New York Mellon Corp | 448.3K | $30.2M | -3.7K (-0.8%) | Trimmed |
| 10 | Invesco Ltd. | 385.6K | $26.0M | +118.1K (+44.2%) | Added |
| 11 | ProShare Advisors LLC | 367.1K | $24.7M | -135.7K (-27.0%) | Trimmed |
| 12 | VANGUARD FIDUCIARY TRUST CO | 356.0K | $24.0M | — | New |
| 13 | UBS Group AG | 172.7K | $11.6M | +46.1K (+36.4%) | Added |
| 14 | RHUMBLINE ADVISERS | 168.2K | $11.3M | +1.7K (+1.0%) | Added |
| 15 | Kovack Advisors, Inc. | 140.2K | $9.5M | -161.0K (-53.5%) | Trimmed |
| 16 | FRANKLIN RESOURCES INC | 132.7K | $8.9M | +126.7K (+2137.0%) | Added |
| 17 | Eldred Rock Partners, LLC | 127.5K | $8.6M | +0 (+0.0%) | No change |
| 18 | JPMORGAN CHASE & CO | 127.1K | $8.5M | -42.1K (-24.9%) | Trimmed |
| 19 | Nuveen, LLC | 125.9K | $8.5M | +5.1K (+4.2%) | Added |
| 20 | PRINCIPAL FINANCIAL GROUP INC | 121.8K | $8.2M | +4.5K (+3.8%) | Added |
Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.
Top questions investors are asking
Coming once IBOC's latest filing finishes processing.
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