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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for International Bancshares's Intrinsic Value: Projected FCF or its related term are showing as below:
IBOC'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.43 Med: 0.64 Max: 0.99
Current: 0.56
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of International Bancshares was 0.99. The lowest was 0.43. And the median was 0.64.
IBOC's Price-to-Projected-FCF is ranked better than 55.83% of 1295
companies
in the Banks industry
Industry Median: 0.6
vs IBOC: 0.56
International Bancshares (NAS:IBOC) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
International Bancshares's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
71.41
/
127.06733144912
=
0.56
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
International Bancshares Intrinsic Value: Projected FCF Related Terms
International Bancshares Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for International Bancshares's Intrinsic Value: Projected FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
International Bancshares Intrinsic Value: Projected FCF Chart
IBOC vs FULT, TCBI, FBP: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, International Bancshares's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, International Bancshares's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where International Bancshares's Price-to-Projected-FCF falls into.
International Bancshares Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Intrinsic Value: Projected FCF of $127.07 mean?
International Bancshares (IBOC) has a Intrinsic Value: Projected FCF of $127.07 as of Sep. 09, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on International Bancshares and its competitors. According to the industry distribution chart, International Bancshares ranks #572 out of 1295 companies in the Banks industry, placing it in the top 44.2%.
Is International Bancshares' Intrinsic Value: Projected FCF too high?
International Bancshares' current Intrinsic Value: Projected FCF is $127.07. The Banks industry median Intrinsic Value: Projected FCF is 0.60. International Bancshares' value of $127.07 is 21078.3% above this industry median. Based on the distribution chart, International Bancshares ranks #572 out of 1295 companies in the Banks industry, which is above the industry midpoint. 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' Intrinsic Value: Projected FCF compare to FULT and TCBI?
According to the Banks industry distribution chart, International Bancshares ranks #572 out of 1295 companies for Intrinsic Value: Projected FCF. This puts International Bancshares in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. International Bancshares' value of $127.07 is 21078.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,295 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Bancshares's current Intrinsic Value: Projected FCF of $127.07 is 21078.3% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on International Bancshares and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Bancshares's current Intrinsic Value: Projected FCF is $127.07. 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 $66.98, compared to a current price of $71.41 — trading 6.6% above its estimated fair value. The current Intrinsic Value: Projected FCF is $127.07 and 21078.3% above the Banks industry median of 0.60. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For International Bancshares (IBOC), the current Intrinsic Value: Projected FCF is $127.07 as of Sep. 09, 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 $71.41 is trading 6.6% above its estimated GF Value™ of $66.98.
GuruFocus considers International Bancshares to be Fairly Valued.
Key valuation signals for IBOC:
Intrinsic Value: Projected FCF: $127.07
GF Value™: $66.98 vs. price of $71.41 (6.6% above fair value)
Industry Position: 21078.3% above the Banks median (#572 of 1295)
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
Get the complete analysis for IBOC
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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