International Bancshares (IBOC)
Market Price (3/10/2026): $67.11 | Market Cap: $4.2 BilSector: Financials | Industry: Regional Banks
International Bancshares (IBOC)
Market Price (3/10/2026): $67.11Market Cap: $4.2 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.8%, FCF Yield is 11% | Weak multi-year price returns3Y Excs Rtn is -22% | |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -126% | ||
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 58%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 56% | ||
| Low stock price volatilityVol 12M is 27% | ||
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 20% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.8%, FCF Yield is 11% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -126% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 58%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 56% |
| Low stock price volatilityVol 12M is 27% |
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 20% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending. |
| Weak multi-year price returns3Y Excs Rtn is -22% |
Qualitative Assessment
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International Bancshares (IBOC) stock has remained largely at the same level since 11/30/2025 because of the following key factors:
1. International Bancshares reported a slight increase in full-year 2025 net income and an unexpected beat on fourth-quarter revenue. International Bancshares' net income for the full year 2025 reached approximately $412.3 million, translating to $6.62 diluted earnings per share, an increase of about 0.8% over 2024. Although fourth-quarter 2025 diluted earnings per share declined by 7.6% year-over-year to $1.71, the company's revenue net of interest expense of $217.7 million for the same quarter surpassed Street forecasts, indicating resilient performance despite higher deposit interest expenses. This demonstrated stable profitability, with a trailing net profit margin near 49.8%.
2. The company announced a 4.3% increase in its cash dividend. On February 2, 2026, International Bancshares declared an increased cash dividend of $0.73 per share, payable on February 27, 2026. This 4.3% rise from the previous dividend signals management's confidence in the company's financial health and future earnings, enhancing shareholder returns.
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1. International Bancshares reported a slight increase in full-year 2025 net income and an unexpected beat on fourth-quarter revenue. International Bancshares' net income for the full year 2025 reached approximately $412.3 million, translating to $6.62 diluted earnings per share, an increase of about 0.8% over 2024. Although fourth-quarter 2025 diluted earnings per share declined by 7.6% year-over-year to $1.71, the company's revenue net of interest expense of $217.7 million for the same quarter surpassed Street forecasts, indicating resilient performance despite higher deposit interest expenses. This demonstrated stable profitability, with a trailing net profit margin near 49.8%.
2. The company announced a 4.3% increase in its cash dividend. On February 2, 2026, International Bancshares declared an increased cash dividend of $0.73 per share, payable on February 27, 2026. This 4.3% rise from the previous dividend signals management's confidence in the company's financial health and future earnings, enhancing shareholder returns.
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Stock Movement Drivers
Fundamental Drivers
The 2.0% change in IBOC stock from 11/30/2025 to 3/9/2026 was primarily driven by a 4.0% change in the company's P/E Multiple.| (LTM values as of) | 11302025 | 3092026 | Change |
|---|---|---|---|
| Stock Price ($) | 65.81 | 67.10 | 2.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 833 | 842 | 1.1% |
| Net Income Margin (%) | 50.5% | 49.0% | -3.1% |
| P/E Multiple | 9.7 | 10.1 | 4.0% |
| Shares Outstanding (Mil) | 62 | 62 | 0.0% |
| Cumulative Contribution | 2.0% |
Market Drivers
11/30/2025 to 3/9/2026| Return | Correlation | |
|---|---|---|
| IBOC | 2.0% | |
| Market (SPY) | -0.7% | 34.6% |
| Sector (XLF) | -5.6% | 62.6% |
Fundamental Drivers
The -5.3% change in IBOC stock from 8/31/2025 to 3/9/2026 was primarily driven by a -5.3% change in the company's P/E Multiple.| (LTM values as of) | 8312025 | 3092026 | Change |
|---|---|---|---|
| Stock Price ($) | 70.82 | 67.10 | -5.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 826 | 842 | 1.9% |
| Net Income Margin (%) | 49.8% | 49.0% | -1.8% |
| P/E Multiple | 10.7 | 10.1 | -5.3% |
| Shares Outstanding (Mil) | 62 | 62 | 0.0% |
| Cumulative Contribution | -5.3% |
Market Drivers
8/31/2025 to 3/9/2026| Return | Correlation | |
|---|---|---|
| IBOC | -5.3% | |
| Market (SPY) | 5.4% | 33.2% |
| Sector (XLF) | -6.5% | 60.5% |
Fundamental Drivers
The 2.2% change in IBOC stock from 2/28/2025 to 3/9/2026 was primarily driven by a 1.4% change in the company's P/E Multiple.| (LTM values as of) | 2282025 | 3092026 | Change |
|---|---|---|---|
| Stock Price ($) | 65.66 | 67.10 | 2.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 834 | 842 | 1.0% |
| Net Income Margin (%) | 49.1% | 49.0% | -0.3% |
| P/E Multiple | 10.0 | 10.1 | 1.4% |
| Shares Outstanding (Mil) | 62 | 62 | 0.1% |
| Cumulative Contribution | 2.2% |
Market Drivers
2/28/2025 to 3/9/2026| Return | Correlation | |
|---|---|---|
| IBOC | 2.2% | |
| Market (SPY) | 15.2% | 57.1% |
| Sector (XLF) | -2.5% | 67.7% |
Fundamental Drivers
The 48.1% change in IBOC stock from 2/28/2023 to 3/9/2026 was primarily driven by a 24.8% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 2282023 | 3092026 | Change |
|---|---|---|---|
| Stock Price ($) | 45.32 | 67.10 | 48.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 675 | 842 | 24.8% |
| Net Income Margin (%) | 44.5% | 49.0% | 10.0% |
| P/E Multiple | 9.4 | 10.1 | 7.9% |
| Shares Outstanding (Mil) | 62 | 62 | -0.1% |
| Cumulative Contribution | 48.1% |
Market Drivers
2/28/2023 to 3/9/2026| Return | Correlation | |
|---|---|---|
| IBOC | 48.1% | |
| Market (SPY) | 77.5% | 51.4% |
| Sector (XLF) | 47.3% | 69.0% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| IBOC Return | 17% | 11% | 22% | 19% | 7% | 1% | 104% |
| Peers Return | 18% | -30% | 30% | 1% | 26% | 2% | 40% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -2% | 79% |
Monthly Win Rates [3] | |||||||
| IBOC Win Rate | 58% | 50% | 67% | 50% | 58% | 33% | |
| Peers Win Rate | 33% | 47% | 58% | 44% | 75% | 50% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 33% | |
Max Drawdowns [4] | |||||||
| IBOC Max Drawdown | -2% | -8% | -11% | -6% | -10% | 0% | |
| Peers Max Drawdown | -8% | -38% | -27% | -17% | -9% | -4% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -2% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, AGBK, HYNE, NU.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 3/9/2026 (YTD)
How Low Can It Go
| Event | IBOC | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -26.8% | -25.4% |
| % Gain to Breakeven | 36.7% | 34.1% |
| Time to Breakeven | 474 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -61.1% | -33.9% |
| % Gain to Breakeven | 157.3% | 51.3% |
| Time to Breakeven | 339 days | 148 days |
| 2018 Correction | ||
| % Loss | -31.7% | -19.8% |
| % Gain to Breakeven | 46.4% | 24.7% |
| Time to Breakeven | 802 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -77.7% | -56.8% |
| % Gain to Breakeven | 348.4% | 131.3% |
| Time to Breakeven | 2,781 days | 1,480 days |
Compare to NEWT, ATLO, AGBK, HYNE, NU
In The Past
International Bancshares's stock fell -26.8% during the 2022 Inflation Shock from a high on 3/12/2021. A -26.8% loss requires a 36.7% gain to breakeven.
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About International Bancshares (IBOC)
International Bancshares Corporation, a financial holding company, provides commercial and retail banking services. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. As of February 28, 2022, the company had 170 branch facilities and 263 ATMs serving 76 communities in Texas and Oklahoma. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.
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- PNC Bank or U.S. Bank, but with a strong specialization in banking services along the U.S.-Mexico border.
- A regional Wells Fargo, uniquely dedicated to the economic activity and international trade spanning the U.S.-Mexico border.
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Here are the major services provided by International Bancshares (IBOC):- Commercial & Industrial Loans: Providing credit facilities to businesses for operational needs, expansion, and other commercial purposes.
- Real Estate Loans: Offering financing secured by commercial and residential properties, including mortgages and construction loans.
- Consumer Loans: Extending credit to individuals for personal use, such as auto loans, personal loans, and home equity lines of credit.
- Deposit Services: Accepting and managing various types of deposits from individuals and businesses, including checking, savings, money market, and certificates of deposit.
- Treasury Management Services: Delivering cash management solutions, such as remote deposit capture, ACH services, and merchant services, to optimize business financial operations.
- International Banking Services: Facilitating global trade and finance through services like letters of credit, foreign exchange, and international wire transfers.
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International Bancshares (symbol: IBOC) is a bank holding company. As such, it operates primarily by providing a wide range of financial services to a diverse base of customers, rather than having a few "major customers" in the traditional sense of a supplier-client relationship. Its revenue is derived from interest income on loans and investments, as well as fees from various banking services, spread across thousands of accounts.
The company sells its services primarily to individuals and businesses. The up to three categories of customers it serves are:
- Individuals and Households: This category includes consumers seeking personal checking and savings accounts, certificates of deposit, residential mortgages, home equity loans, auto loans, and various other consumer credit products.
- Small to Medium-sized Businesses (SMBs): IBOC provides financial solutions to a broad spectrum of businesses, including business checking and savings accounts, merchant services, treasury management solutions, and a variety of commercial loans such as lines of credit, term loans, and equipment financing.
- Commercial Real Estate Developers and Larger Commercial & Industrial (C&I) Clients: This segment includes businesses needing larger-scale commercial real estate loans for construction, acquisition, and development, as well as more complex lending and financial services for larger operating companies across various industries.
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- Deloitte & Touche LLP
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Dennis E. Nixon, Chairman of the Board, President, and Chief Executive Officer
Dennis E. Nixon joined International Bancshares in 1975 and has served as its Chief Executive Officer since then, becoming Chairman and President in 1979. He is widely recognized as a leading banking authority and played a pivotal role in the unprecedented growth of International Bancshares Corporation, including its extensive acquisition and expansion efforts. Nixon was also instrumental in the passage of the North American Free Trade Agreement (NAFTA) and has been actively involved in financial development between the U.S. and Mexico. He was inducted into the Texas Business Hall of Fame in 2006.
Judith I. Wawroski, Treasurer and Chief Accounting Officer
Judith I. Wawroski serves as the Treasurer and Chief Accounting Officer for International Bancshares Corporation, and Executive Vice President and Chief Accounting Officer of Corporate Financial Accounting at IBC Bank. She began her career with IBC Bank in 1992 on a part-time basis while pursuing her bachelor's degree in accounting at The University of Texas at Austin, joining full-time in 1996 and advancing through various roles.
Jay Rogers, Chairman and CEO of IBC-Houston
Jay Rogers is the Chairman and CEO of IBC-Houston and serves on the International Bancshares Corporation Investment Committee. With over 40 years of experience in the Texas banking industry, particularly in commercial lending, he has overseen the growth of IBC-Houston's assets from $150 million to over $16.1 billion during his tenure of more than 20 years.
Dalia F. Martinez, Executive Vice President
Dalia F. Martinez is an Executive Vice President at IBC Bank, bringing 35 years of banking expertise in both personal and commercial finance. She joined IBC Bank in January 1990, with over 20 years dedicated to border banking, and focuses on the business needs of the region and underserved communities.
Gustavo A. Barrera, President and CEO of IBC Bank - Corpus Christi
Gustavo A. Barrera is the President and CEO of IBC Bank - Corpus Christi, overseeing the entire Corpus Christi region. He has over 26 years of community banking experience, having started his career at IBC Bank in 1995 as a credit analyst and subsequently being promoted to credit manager and bank officer.
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The clear emerging threat for International Bancshares (IBOC) comes from the continued rapid innovation and market penetration of digital-first challenger banks and specialized fintech platforms.
These entities, such as mobile-first banks and online lending/payment platforms, offer superior digital user experiences, often with lower fees and greater convenience, directly competing for deposit accounts, consumer lending, and small business financial services. This unbundling and re-bundling of financial services leveraging advanced technology presents an ongoing challenge to traditional regional banks that rely more heavily on physical branch networks and established relationship models. The continuous evolution of these digital solutions and their increasing adoption rates represent a clear and intensifying competitive pressure.
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International Bancshares (IBOC) offers a variety of commercial and retail banking services, with its primary operations in Texas and Oklahoma, and a notable focus on international banking, particularly U.S.-Mexico trade. The addressable markets for their main products and services can be estimated as follows:
- Commercial Banking: The market size for the Commercial Banking industry in Texas is estimated at $108.7 billion in 2025. In Oklahoma, the Commercial Banking industry's market size is projected to be $13.4 billion in 2025.
-
Retail Banking: The U.S. Retail Banking market size is estimated at approximately $0.87 trillion (USD 870 billion) in 2025. While specific figures for Texas and Oklahoma retail banking were not available, this provides a national context for the broader market.
- Mortgage Banking (a component of Retail Banking): The residential mortgage loan volume in Texas was approximately $147 billion in 2024.
- International Banking (Trade Finance): The global trade finance market is projected to reach $9,850 billion (USD 9.85 trillion) by 2025. More specifically, the U.S. trade finance market was valued at $10.63 billion in 2024, and the North America trade finance market is estimated at $6.56 billion in 2025. Mexico is anticipated to be the fastest-growing market within North American trade finance, driven by nearshoring and increasing export volumes.
- Wealth Management: The global wealth management market was valued at approximately $1,636.83 billion (USD 1.63 trillion) in 2024 and is projected to reach $4,893.17 billion by 2034. North America held the largest share of this market in 2020. While specific market size for Texas or Oklahoma was not identified, the Dallas/Fort Worth metropolitan area alone has over 2,330 ultra-high net worth households.
- Treasury Management: The global Treasury Management market is estimated to be valued at $6.6 billion in 2025. North America is expected to hold the largest share of the treasury management market, estimated at 35% in 2025. Within the U.S. commercial banking market, treasury management services are projected to grow at a 6.79% CAGR through 2030.
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Here are 3-5 expected drivers of future revenue growth for International Bancshares (IBOC) over the next 2-3 years:
- Loan Portfolio Growth (Commercial, Real Estate, and Consumer Segments): International Bancshares has demonstrated momentum in lending across its commercial, real estate, and consumer segments, contributing to its revenue and net income outpacing consensus. Net loans increased from approximately $8.7 billion at the end of 2024 to about $9.2 billion as of September 30, 2025. This sustained pickup in lending is an encouraging sign for future revenue.
- Strategic Market Expansion in Texas and Oklahoma: With a stable deposit base and a strong presence in Texas and Oklahoma, IBOC has opportunities to expand its market share within these regions. The company can leverage its existing infrastructure and customer relationships to offer new products and services, potentially increasing its customer base and revenue.
- Technological Advancements and AI Initiatives: IBOC has opportunities to invest in digital banking platforms and fintech partnerships to enhance customer experience, streamline operations, and create new revenue channels through innovative financial products. The company is also leveraging new AI initiatives to enhance operational efficiencies and sustain its competitive edge.
- Strategic Acquisitions: IBOC has a history of growth through strategic acquisitions, which presents an opportunity to further expand its market share. By identifying and acquiring complementary financial institutions, IBOC can enhance its competitive standing in the Texas and Oklahoma markets and diversify its revenue streams.
- Increased Interest Income from Investment and Loan Portfolios: An increase in interest income earned on IBOC's investment and loan portfolios has positively impacted its net income for the first nine months of 2025. While interest expenses have also risen, the company's strategic focus on managing these expenses and leveraging AI initiatives is expected to support continued growth.
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Share Repurchases
- International Bancshares' Board of Directors authorized a stock repurchase program of up to $150 million of its common stock on March 12, 2025.
- This repurchase plan commenced on March 15, 2025, and is scheduled to continue through March 15, 2026.
Inbound Investments
- Several institutional investors have recently increased their stakes in International Bancshares, reflecting ongoing confidence in the company's outlook.
- For example, AQR Capital Management LLC boosted its stake by 101.0% during the second quarter of 2025.
- Institutional investors collectively own a substantial portion of the company's stock, with some reports indicating around 65.91% as of November 2025.
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Trade Ideas
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|---|---|---|---|---|---|---|---|
| 02282026 | NDAQ | Nasdaq | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 02272026 | JEF | Jefferies Financial | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 02272026 | PAYO | Payoneer Global | Dip Buy | DB | CFO/Rev | Low D/EDip Buy with High Cash Flow MarginsBuying dips for companies with significant cash flows from operations and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 02272026 | FOUR | Shift4 Payments | Dip Buy | DB | FCF Yield | Low D/EDip Buy with High Free Cash Flow YieldBuying dips for companies with significant free cash flow yield (FCF / Market Cap) and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 02202026 | COIN | Coinbase Global | Dip Buy | DB | CFO/Rev | Low D/EDip Buy with High Cash Flow MarginsBuying dips for companies with significant cash flows from operations and reasonable debt / market cap | 2.6% | 2.6% | -6.5% |
| 01312017 | IBOC | International Bancshares | Quality | Q | Momentum | UpsideQuality Stocks with Momentum and UpsideBuying quality stocks with strong momentum but still having room to run | -3.4% | 13.9% | -9.8% |
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 14.62 |
| Mkt Cap | 2.2 |
| Rev LTM | 269 |
| Op Inc LTM | - |
| FCF LTM | 19 |
| FCF 3Y Avg | 237 |
| CFO LTM | 20 |
| CFO 3Y Avg | 249 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 19.9% |
| Rev Chg 3Y Avg | 19.9% |
| Rev Chg Q | 22.9% |
| QoQ Delta Rev Chg LTM | 5.2% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 31.5% |
| CFO/Rev 3Y Avg | 26.4% |
| FCF/Rev LTM | 30.8% |
| FCF/Rev 3Y Avg | 22.9% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 2.2 |
| P/S | 4.4 |
| P/EBIT | - |
| P/E | 12.5 |
| P/CFO | 10.2 |
| Total Yield | 10.3% |
| Dividend Yield | 0.5% |
| FCF Yield 3Y Avg | 5.7% |
| D/E | 0.1 |
| Net D/E | -0.8 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -6.9% |
| 3M Rtn | 1.0% |
| 6M Rtn | 1.2% |
| 12M Rtn | 8.0% |
| 3Y Rtn | 25.9% |
| 1M Excs Rtn | -5.6% |
| 3M Excs Rtn | 2.1% |
| 6M Excs Rtn | -3.1% |
| 12M Excs Rtn | -9.5% |
| 3Y Excs Rtn | -54.8% |
Price Behavior
Price Behavior
| Market Price | $67.10 | |
| Market Cap ($ Bil) | 4.2 | |
| First Trading Date | 05/30/1996 | |
| Distance from 52W High | -10.0% | |
| 50 Days | 200 Days | |
| DMA Price | $69.41 | $67.61 |
| DMA Trend | up | up |
| Distance from DMA | -3.3% | -0.8% |
| 3M | 1YR | |
| Volatility | 28.7% | 27.2% |
| Downside Capture | 90.14 | 83.31 |
| Upside Capture | 77.88 | 78.88 |
| Correlation (SPY) | 34.0% | 56.6% |
IBOC Betas & Captures as of 2/28/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.66 | 0.93 | 0.92 | 0.75 | 0.82 | 1.00 |
| Up Beta | 0.91 | 2.16 | 1.89 | 1.11 | 0.82 | 1.04 |
| Down Beta | -0.01 | 0.74 | 0.57 | 0.71 | 0.82 | 0.90 |
| Up Capture | 79% | 69% | 85% | 48% | 66% | 94% |
| Bmk +ve Days | 9 | 20 | 31 | 70 | 142 | 431 |
| Stock +ve Days | 11 | 20 | 29 | 55 | 118 | 366 |
| Down Capture | 80% | 66% | 77% | 84% | 91% | 101% |
| Bmk -ve Days | 12 | 21 | 30 | 54 | 109 | 320 |
| Stock -ve Days | 10 | 21 | 32 | 69 | 130 | 382 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with IBOC | |
|---|---|---|---|---|
| IBOC | 11.1% | 27.2% | 0.37 | - |
| Sector ETF (XLF) | 3.0% | 19.3% | 0.03 | 66.8% |
| Equity (SPY) | 19.6% | 19.1% | 0.81 | 56.7% |
| Gold (GLD) | 77.6% | 26.1% | 2.18 | -8.7% |
| Commodities (DBC) | 20.2% | 17.2% | 0.92 | 10.6% |
| Real Estate (VNQ) | 6.1% | 16.4% | 0.19 | 51.1% |
| Bitcoin (BTCUSD) | -24.3% | 45.7% | -0.47 | 25.0% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with IBOC | |
|---|---|---|---|---|
| IBOC | 11.1% | 29.1% | 0.39 | - |
| Sector ETF (XLF) | 10.5% | 18.7% | 0.44 | 69.2% |
| Equity (SPY) | 13.4% | 17.0% | 0.62 | 50.9% |
| Gold (GLD) | 24.0% | 17.2% | 1.14 | -2.6% |
| Commodities (DBC) | 11.8% | 19.0% | 0.50 | 10.6% |
| Real Estate (VNQ) | 5.3% | 18.8% | 0.18 | 44.6% |
| Bitcoin (BTCUSD) | 7.1% | 56.8% | 0.35 | 18.7% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with IBOC | |
|---|---|---|---|---|
| IBOC | 14.5% | 34.4% | 0.49 | - |
| Sector ETF (XLF) | 13.5% | 22.2% | 0.56 | 75.9% |
| Equity (SPY) | 15.2% | 17.9% | 0.73 | 58.7% |
| Gold (GLD) | 14.9% | 15.6% | 0.79 | -6.0% |
| Commodities (DBC) | 8.9% | 17.6% | 0.42 | 21.9% |
| Real Estate (VNQ) | 6.2% | 20.7% | 0.26 | 50.3% |
| Bitcoin (BTCUSD) | 65.7% | 66.8% | 1.05 | 13.3% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 11/6/2025 | -0.2% | -3.1% | 2.3% |
| 8/7/2025 | -0.1% | 2.1% | 4.8% |
| 2/27/2025 | 1.6% | -6.5% | -4.9% |
| 11/7/2024 | 1.6% | 2.7% | 1.1% |
| 8/1/2024 | -3.8% | -8.6% | 0.4% |
| 2/26/2024 | 0.6% | 2.4% | 5.2% |
| 11/2/2023 | 4.7% | -2.5% | 6.5% |
| 8/3/2023 | -2.0% | -5.0% | -4.7% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 13 | 14 | 14 |
| # Negative | 8 | 7 | 7 |
| Median Positive | 2.5% | 3.6% | 5.0% |
| Median Negative | -2.1% | -5.0% | -4.7% |
| Max Positive | 6.0% | 8.2% | 23.3% |
| Max Negative | -5.2% | -9.1% | -6.5% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 02/26/2026 | 10-K |
| 09/30/2025 | 11/06/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/05/2025 | 10-Q |
| 12/31/2024 | 02/27/2025 | 10-K |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/01/2024 | 10-Q |
| 03/31/2024 | 05/02/2024 | 10-Q |
| 12/31/2023 | 02/26/2024 | 10-K |
| 09/30/2023 | 11/02/2023 | 10-Q |
| 06/30/2023 | 08/03/2023 | 10-Q |
| 03/31/2023 | 05/04/2023 | 10-Q |
| 12/31/2022 | 02/23/2023 | 10-K |
| 09/30/2022 | 11/03/2022 | 10-Q |
| 06/30/2022 | 08/04/2022 | 10-Q |
| 03/31/2022 | 05/05/2022 | 10-Q |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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