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International BancsharesIBOC +0.53%71 3-Year Book Growth Rate is 16.70% as of Jun. 2026, which is 123% above its 10-year median of 7.50. GuruFocus rates IBOC with a GF Score™ of 71/100 and a GF Value™ of $67.07 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,487 Banks companies, International Bancshares ranks better than 83.59% on this metric.
During the past 12 months, International Bancshares's average Book Value per Share Growth Rate was 11.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 16.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 8.70% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 6.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of International Bancshares was 18.60% per year. The lowest was 0.40% per year. And the median was 7.50% per year.
International Bancshares (NAS:IBOC) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
International Bancshares 3-Year Book Growth Rate Related Terms
IBOC vs FULT, TCBI, FBP: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, International Bancshares's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
International Bancshares 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, International Bancshares's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where International Bancshares's 3-Year Book Growth Rate falls into.
International Bancshares 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 16.70% mean?
International Bancshares (IBOC) has a 3-Year Book Growth Rate of 16.70% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for International Bancshares and its competitors. This is 123% above median its historical median of 7.50. Over the past decade, International Bancshares' 3-Year Book Growth Rate has ranged from 0.40 to 18.60. According to the industry distribution chart, International Bancshares ranks #244 out of 1487 companies in the Banks industry, placing it in the top 16.4%.
Is International Bancshares' 3-Year Book Growth Rate too high?
International Bancshares' current 3-Year Book Growth Rate of 16.70% is 123% above median its 10-year median of 7.50. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 18.60. The Banks industry median 3-Year Book Growth Rate is 8.80. International Bancshares' value of 16.70% is 89.8% above this industry median. Based on the distribution chart, International Bancshares ranks #244 out of 1487 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, International Bancshares has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does International Bancshares' 3-Year Book Growth Rate compare to FULT and TCBI?
According to the Banks industry distribution chart, International Bancshares ranks #244 out of 1487 companies for 3-Year Book Growth Rate. This places International Bancshares in the top 16% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. International Bancshares' value of 16.70% is 89.8% above this benchmark. Historically, International Bancshares' own 3-Year Book Growth Rate has ranged from 0.40 to 18.60 over the past decade. While the company's 10-year median is 7.50 vs. the industry median of 8.80, International Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Bancshares's current 3-Year Book Growth Rate of 16.70% is 89.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for International Bancshares and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Bancshares's current 3-Year Book Growth Rate is 16.70%, which is 123% above median its own 10-year median of 7.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is International Bancshares stock overvalued right now?
Based on GuruFocus' analysis, International Bancshares (IBOC) is currently considered Fairly Valued. The stock's GF Value™ is $67.07, compared to a current price of $72.14 — trading 7.6% above its estimated fair value. The current 3-Year Book Growth Rate is 16.70%, which is 123% above median its 10-year median of 7.50 and 89.8% above the Banks industry median of 8.80. International Bancshares' overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For International Bancshares (IBOC), the current 3-Year Book Growth Rate is 16.70% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is International Bancshares (IBOC) Overvalued in 2026?
Based on GuruFocus' analysis, International Bancshares stock appears to be overvalued.
The current stock price of $72.14 is trading 7.6% above its estimated GF Value™ of $67.07.
GuruFocus considers International Bancshares to be Fairly Valued.
Key valuation signals for IBOC:
3-Year Book Growth Rate: 16.70% (123% above median its 10-year median of 7.50)
GF Value™: $67.07 vs. price of $72.14 (7.6% above fair value)
Industry Position: 89.8% above the Banks median (#244 of 1487)
No single metric tells the full story. See the IBOC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
International Bancshares Corp is a registered multibank financial holding company providing a diversified range of commercial and retail banking services in its main banking and branch facilities located in north, south, central, and southeast Texas and the State of Oklahoma.. The company provides commercial and retail banking services in Texas and Oklahoma. The services provided by the bank include checking, savings, bank cards, lending, insurance, mortgage, investments, and other services.
71GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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