International Bancshares Corporation (IBOC) has a MoatMap StockRank of 43/100 based on Quality (52/100), Value (38/100), and Momentum (41/100) factor scores. The current signal is HOLD. US Regional Bank. Banks are generally not asset-light, high-ROIC compounders with un-copyable moats. No powerful, asymmetric macro tailwind for US regional banks identified that justifies a concentrated position.