HBT
Price
$25.48
Change
-$0.05 (-0.20%)
Updated
Sep 15 closing price
Capitalization
802.5M
41 days until earnings call
IBOC
Price
$69.64
Change
-$0.96 (-1.36%)
Updated
Sep 15 closing price
Capitalization
4.33B
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HBT vs IBOC

Header iconHBT vs IBOC Comparison
Open Charts HBT vs IBOCBanner chart's image
HBT Financial
Price$25.48
Change-$0.05 (-0.20%)
Volume$17.81K
Capitalization802.5M
International Bancshares
Price$69.64
Change-$0.96 (-1.36%)
Volume$176.24K
Capitalization4.33B
HBT vs IBOC Comparison Chart in %
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HBT
Daily Signalchanged days ago
Gain/Loss if bought
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IBOC
Daily Signalchanged days ago
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HBT vs. IBOC commentary
Sep 16, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is HBT is a StrongBuy and IBOC is a Buy.

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COMPARISON
Comparison
Sep 16, 2025
Stock price -- (HBT: $25.48 vs. IBOC: $69.64)
Brand notoriety: HBT and IBOC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: HBT: 62% vs. IBOC: 86%
Market capitalization -- HBT: $802.5M vs. IBOC: $4.33B
HBT [@Regional Banks] is valued at $802.5M. IBOC’s [@Regional Banks] market capitalization is $4.33B. The market cap for tickers in the [@Regional Banks] industry ranges from $168.18B to $0. The average market capitalization across the [@Regional Banks] industry is $7.97B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

HBT’s FA Score shows that 2 FA rating(s) are green whileIBOC’s FA Score has 3 green FA rating(s).

  • HBT’s FA Score: 2 green, 3 red.
  • IBOC’s FA Score: 3 green, 2 red.
According to our system of comparison, IBOC is a better buy in the long-term than HBT.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

HBT’s TA Score shows that 4 TA indicator(s) are bullish while IBOC’s TA Score has 4 bullish TA indicator(s).

  • HBT’s TA Score: 4 bullish, 5 bearish.
  • IBOC’s TA Score: 4 bullish, 4 bearish.
According to our system of comparison, IBOC is a better buy in the short-term than HBT.

Price Growth

HBT (@Regional Banks) experienced а -2.79% price change this week, while IBOC (@Regional Banks) price change was -2.53% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.24%. For the same industry, the average monthly price growth was +3.17%, and the average quarterly price growth was +13.21%.

Reported Earning Dates

HBT is expected to report earnings on Oct 27, 2025.

Industries' Descriptions

@Regional Banks (+0.24% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
IBOC($4.33B) has a higher market cap than HBT($803M). IBOC (10.68) and HBT (10.53) have similar P/E ratio . HBT YTD gains are higher at: 19.442 vs. IBOC (12.580). HBT has less debt than IBOC: HBT (99.7M) vs IBOC (169M). IBOC has higher revenues than HBT: IBOC (826M) vs HBT (230M).
HBTIBOCHBT / IBOC
Capitalization803M4.33B19%
EBITDAN/AN/A-
Gain YTD19.44212.580155%
P/E Ratio10.5310.6899%
Revenue230M826M28%
Total Cash25MN/A-
Total Debt99.7M169M59%
FUNDAMENTALS RATINGS
HBT vs IBOC: Fundamental Ratings
HBT
IBOC
OUTLOOK RATING
1..100
5773
VALUATION
overvalued / fair valued / undervalued
1..100
59
Fair valued
52
Fair valued
PROFIT vs RISK RATING
1..100
1417
SMR RATING
1..100
2614
PRICE GROWTH RATING
1..100
5149
P/E GROWTH RATING
1..100
4132
SEASONALITY SCORE
1..100
5050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

IBOC's Valuation (52) in the Regional Banks industry is in the same range as HBT (59) in the null industry. This means that IBOC’s stock grew similarly to HBT’s over the last 12 months.

HBT's Profit vs Risk Rating (14) in the null industry is in the same range as IBOC (17) in the Regional Banks industry. This means that HBT’s stock grew similarly to IBOC’s over the last 12 months.

IBOC's SMR Rating (14) in the Regional Banks industry is in the same range as HBT (26) in the null industry. This means that IBOC’s stock grew similarly to HBT’s over the last 12 months.

IBOC's Price Growth Rating (49) in the Regional Banks industry is in the same range as HBT (51) in the null industry. This means that IBOC’s stock grew similarly to HBT’s over the last 12 months.

IBOC's P/E Growth Rating (32) in the Regional Banks industry is in the same range as HBT (41) in the null industry. This means that IBOC’s stock grew similarly to HBT’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HBTIBOC
RSI
ODDS (%)
N/A
Bearish Trend 1 day ago
70%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
70%
Bullish Trend 1 day ago
76%
Momentum
ODDS (%)
Bearish Trend 1 day ago
51%
Bearish Trend 1 day ago
58%
MACD
ODDS (%)
Bearish Trend 1 day ago
53%
Bearish Trend 1 day ago
57%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
59%
Bearish Trend 1 day ago
57%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
54%
Bearish Trend 1 day ago
52%
Advances
ODDS (%)
Bullish Trend 21 days ago
65%
Bullish Trend 6 days ago
67%
Declines
ODDS (%)
Bearish Trend 1 day ago
59%
Bearish Trend 1 day ago
55%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
63%
Bullish Trend 1 day ago
68%
Aroon
ODDS (%)
Bullish Trend 1 day ago
57%
Bullish Trend 1 day ago
57%
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HBT
Daily Signalchanged days ago
Gain/Loss if bought
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IBOC
Daily Signalchanged days ago
Gain/Loss if bought
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HBT and

Correlation & Price change

A.I.dvisor indicates that over the last year, HBT has been closely correlated with MCBS. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if HBT jumps, then MCBS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HBT
1D Price
Change %
HBT100%
-0.20%
MCBS - HBT
85%
Closely correlated
+0.17%
TCBK - HBT
84%
Closely correlated
-0.68%
FMBH - HBT
84%
Closely correlated
-0.05%
STBA - HBT
83%
Closely correlated
-1.25%
IBOC - HBT
83%
Closely correlated
-1.36%
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