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International BancsharesIBOC +1.22%71 Shiller PE Ratio is 14.03 as of Sep. 04, 2026, which is 8% below its 10-year median of 15.30. GuruFocus rates IBOC with a GF Score™ of 71/100 and a GF Value™ of $66.89 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,239 Banks companies, International Bancshares ranks worse than 50.28% on this metric.
The historical rank and industry rank for International Bancshares's Shiller PE Ratio or its related term are showing as below:
IBOC'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.23 Med: 15.3 Max: 22.12
Current: 14.03
During the past years, International Bancshares's highest Shiller PE Ratio was 22.12. The lowest was 7.23. And the median was 15.30.
IBOC's Shiller PE Ratio is ranked worse than 50.28% of 1239
companies
in the Banks industry
Industry Median: 13.82
vs IBOC: 14.03
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
International Bancshares's adjusted earnings per share data for the three months ended in Jun. 2026 was $1.540. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $5.10 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
International Bancshares (NAS:IBOC) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
International Bancshares Shiller PE Ratio Related Terms
International Bancshares Shiller PE Ratio Historical Data
* 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.
IBOC vs FULT, TCBI, FBP: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, International Bancshares's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, International Bancshares's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where International Bancshares's Shiller PE Ratio falls into.
International Bancshares Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
International Bancshares (IBOC) has a Shiller PE Ratio of 14.03 as of Sep. 04, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on International Bancshares and its competitors. This is near median its historical median of 15.30. Over the past decade, International Bancshares' Shiller PE Ratio has ranged from 7.23 to 22.12. According to the industry distribution chart, International Bancshares ranks #623 out of 1239 companies in the Banks industry, placing it in the top 50.3%.
Is International Bancshares' Shiller PE Ratio too high?
International Bancshares' current Shiller PE Ratio of 14.03 is near median its 10-year median of 15.30. Over the past 10 years, this metric has ranged from a low of 7.23 to a high of 22.12. The Banks industry median Shiller PE Ratio is 13.82. International Bancshares' value of 14.03 is 1.5% above this industry median. Based on the distribution chart, International Bancshares ranks #623 out of 1239 companies in the Banks industry, which is below 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' Shiller PE Ratio compare to FULT and TCBI?
According to the Banks industry distribution chart, International Bancshares ranks #623 out of 1239 companies for Shiller PE Ratio. This places International Bancshares in the lower half of its industry. The industry median Shiller PE Ratio is 13.82. International Bancshares' value of 14.03 is 1.5% above this benchmark. Historically, International Bancshares' own Shiller PE Ratio has ranged from 7.23 to 22.12 over the past decade. While the company's 10-year median is 15.30 vs. the industry median of 13.82, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.82, based on 1,239 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Bancshares's current Shiller PE Ratio of 14.03 is 1.5% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on International Bancshares and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Bancshares's current Shiller PE Ratio is 14.03, which is near median its own 10-year median of 15.30. 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 $66.89, compared to a current price of $71.54 — trading 7% above its estimated fair value. The current Shiller PE Ratio is 14.03, which is near median its 10-year median of 15.30 and 1.5% above the Banks industry median of 13.82. 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 Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For International Bancshares (IBOC), the current Shiller PE Ratio is 14.03 as of Sep. 04, 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 $71.54 is trading 7% above its estimated GF Value™ of $66.89.
GuruFocus considers International Bancshares to be Fairly Valued.
Key valuation signals for IBOC:
Shiller PE Ratio: 14.03 (near median its 10-year median of 15.30)
GF Value™: $66.89 vs. price of $71.54 (7% above fair value)
Industry Position: 1.5% above the Banks median (#623 of 1239)
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
Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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