International Bancshares (FRA:IB4) Moat Score: 5/10 (As of Aug. 02, 2026)

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FRA:IB4 International Bancshares Corp FRA:IB4
71 GF Score
Price €65.00
GF Value €55.76
Valuation Modestly Overvalued
! 6 Warning Signs
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What is International Bancshares Moat Score?

International Bancshares FRA:IB4 71 Moat Score is 5 as of Aug. 02, 2026. GuruFocus rates FRA:IB4 with a GF Score™ of 71/100 and a GF Value™ of €55.76 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,609 Banks companies, International Bancshares ranks better than 94.03% on this metric.

International Bancshares has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

International Bancshares has Narrow Moat: International Bancshares Corp has a solid narrow moat due to its strong regional market presence and customer loyalty. It benefits from economies of scale and a robust distribution network, but lacks significant network effects or unique intellectual property to warrant a wide moat classification.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes International Bancshares might have Narrow Moat - Solid narrow moat.

International Bancshares  (FRA:IB4) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

International Bancshares Moat Score Related Terms

FRA:IB4 vs SFBS, FULT, FFIN: Moat Score Comparison

For the Banks - Regional subindustry, International Bancshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, International Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where International Bancshares's Moat Score falls into.


FRA:IB4
71GF Score
International Bancshares Corp FRA:IB4
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
International Bancshares (FRA:IB4) has a Moat Score of 5 as of Aug. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, International Bancshares ranks #96 out of 1609 companies in the Banks industry, placing it in the top 6%.
Is International Bancshares' Moat Score too high?
International Bancshares' current Moat Score is 5. Based on the distribution chart, International Bancshares ranks #96 out of 1609 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does International Bancshares' Moat Score compare to SFBS and FULT?
According to the Banks industry distribution chart, International Bancshares ranks #96 out of 1609 companies for Moat Score. This places International Bancshares in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. International Bancshares's current Moat Score is 5. 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 (FRA:IB4) is currently considered Modestly Overvalued. The stock's GF Value™ is €55.76, compared to a current price of €65.00 — trading 16.6% above its estimated fair value. The current Moat Score is 5. International Bancshares' overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For International Bancshares (FRA:IB4), the current Moat Score is 5 as of Aug. 02, 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 (FRA:IB4) Overvalued in 2026?

Based on GuruFocus' analysis, International Bancshares stock appears to be overvalued. The current stock price of €65.00 is trading 16.6% above its estimated GF Value™ of €55.76. GuruFocus considers International Bancshares to be Modestly Overvalued.

Key valuation signals for FRA:IB4:

  • Moat Score: 5
  • GF Value™: €55.76 vs. price of €65.00 (16.6% above fair value)
  • GF Score™: 71/100 with 6 warning signs

No single metric tells the full story. See the FRA:IB4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

International Bancshares Business Description

Other Exchanges IBOC:USA
Address 1200 San Bernardo Avenue, Laredo, TX, USA, 78042-1359
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 FRA:IB4

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€65.00
Price
€55.76
GF Value