IBOC vs INTC Stock Comparison
IBOC currently leads INTC in this stock comparison, with AIQ scores of 51 vs 30. The clearest difference is risk resilience.
What is the main difference between IBOC and INTC?
IBOC leads the current stock comparison as International Bancshares Corporation, with the clearest separation coming from risk resilience and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
International Bancshares Corporation vs Intel Corp.
IBOC leads
IBOC leads by 21 AIQ points, primarily on Risk Resilience and Quality, and the lead has widened from 10 points over 30 sessions.
Stable: 5 of 6 evidence groups support IBOC, its lead is widening, and its current signal state is conflicted.
International Bancshares Corporation
Intel Corp.
The Algovestiq AIQ Score currently favors IBOC over INTC, 51 versus 30 as of Oct 21, 2026. IBOC's advantage is driven primarily by stronger risk resilience and quality. IBOC also shows the stronger technical structure relative to its 50-day moving average. 5 of 6 covered evidence groups favor IBOC today, and the comparison is rated Stable on stability: the leader is throwing conflicting signals. IBOC lead: Strengthening — the AIQ differential moved from 10 to 21 points over 30 sessions.
Compare International Bancshares Corporation and Intel Corp. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare IBOC and INTC against another ticker
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AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Risk Resilience67 vs 29IBOC +38
- Quality69 vs 39IBOC +30
- Value48 vs 30IBOC +18
- Momentum24 vs 21Even
5 of 6 evidence groups favor IBOC. IBOC’s edge is concentrated in risk resilience and quality.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum -1
No signal started or stopped since the prior session; its 7 active signals are unchanged.
No factor moved materially.
No signal started or stopped since the prior session; its 5 active signals are unchanged.
IBOC's lead narrowed by 1 AIQ point in the latest session.
Deeper signal detail for each name lives on its own signals page — IBOC and INTC both carry a full feed there.
The central trade-off
IBOC (International Bancshares Corporation): the stronger current systematic profile, led by risk resilience and quality.
INTC (Intel Corp.): the counter-case, on technicals — but at materially higher volatility, 46.6% against 12.7%.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
IBOCIBOC on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
IBOCIBOC on combined revenue and EPS growth.
Value
IBOCIBOC on the peer-relative Value factor, by 18 points.
Momentum
EvenThe two are level on Momentum.
Lower downside
IBOCIBOC on Risk Resilience, by 38 points.
Analyst upside
IBOCIBOC on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | IBOC | INTC | Note |
|---|---|---|---|
| Implied upside to target | +28.6% | +18.2% | IBOC has more room |
| Target dispersion | 0% | +122.9% | Lower is tighter analyst agreement |
| Consensus | Buy | Hold | Context, not a primary driver |
| Analysts covering | 1 | 27 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
5 of 6 covered evidence groups favor IBOC. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | IBOC | 51 vs 30 |
| Fundamentals | IBOCon balance | revenue growth 2.7% vs 18.8%; EPS growth -6.1% vs -195.9%; TTM ROE 12.7% vs -10.8%; gross margin 78.7% vs 38.9% — IBOC takes 3 of 4 decided legs, not all of them |
| Valuation | IBOC | Value 48 vs 30 |
| Technicals | INTC | Price vs 50-day -5.7% vs -9.6%; vs 200-day -7.4% vs 7.8% |
| Risk Resilience | IBOC | Risk Resilience 67 vs 29 |
| Analyst expectations | IBOC | Target upside 28.6% vs 18.2% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of IBOC and INTC and are excluded from the count.
AIQ Decision Stability
The conclusion rests on a wide gap and broad agreement. It is unlikely to turn on a single session.
- The AIQ gap is wide at 21 points. (supports the conclusion holding)
- 5 of 6 covered evidence groups point the same way. (supports the conclusion holding)
- The leader's advantage has been widening. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on IBOC.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20IBOC lead: Strengthening — the AIQ differential moved from 10 to 21 points over 30 sessions.
- Today
- IBOC +21
- 51 vs 30
- 7 sessions ago
- IBOC +22
- 52 vs 30
- 30 sessions ago
- IBOC +10
- 53 vs 43
- 90 sessions ago
- IBOC +12
- 54 vs 42
The lead has not changed hands in this window.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
2 bullish / 4 bearish / 1 neutral, conflicted
Only IBOC
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Death Cross Active — bearish, trend, long horizon (1.94%)
- BB Lower Band Breach — bullish, volatility, short horizon
- Downtrend Structure Active — bearish, trend, long horizon
2 bullish / 2 bearish / 1 neutral, conflicted
Only INTC
- Golden Cross Active — bullish, trend, long horizon (20.88%)
- ATR Expansion - Breakout Mode — neutral, volatility, short horizon (6.29%)
Both carry 3 more signals that do not separate them: Keltner Channel Breakdown, RSI Oversold - Potential Bounce, MACD Bearish Crossover.
IBOC leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price is up while the AIQ Score moved down 1 points over the same session — price and model disagree (price +1.19%, AIQ -1 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +1.39%, AIQ 0 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1INTC closes the Risk Resilience gap — currently 38 points behind, the largest single contributor to IBOC's edge.
- 2INTC's Keltner Channel Breakdown resolves — a bearish volatility rule currently active against it.
- 3IBOC's conflicting signal state resolves bearish — it currently carries 2 bullish and 4 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
IBOC leads on balance| Metric | IBOC | INTC |
|---|---|---|
| Revenue growth (YoY) | 2.7% | 18.8% |
| EPS growth (YoY) | -6.1% | -195.9% |
| Gross margin | 78.7% | 38.9% |
| Operating margin | 49.2% | 0.1% |
| Return on equity (TTM) | 12.7% | -10.8% |
| Debt to equity | 0.22 | 0.58 |
Performance
INTC leads 4 of 6 windows| Metric | IBOC | INTC |
|---|---|---|
| 1 week (5 sessions) | -3% | -10.8% |
| 1 month (20 sessions) | -6.4% | -26% |
| 3 months (63 sessions) | -12.2% | -10.7% |
| 6 months (126 sessions) | -7.5% | 38.4% |
| Year to date | -1.7% | 148.5% |
| 1 year (252 sessions) | 0.9% | 148.9% |
Technicals
INTC has the stronger structure| Metric | IBOC | INTC |
|---|---|---|
| RSI (14) | 28.6 | 16.4 |
| ADX (14) | 31.3 | 23.3 |
| Price vs 50-day | -5.7% | -9.6% |
| Price vs 200-day | -7.4% | 7.8% |
| Volatility (1M, annualized) | 12.7% | 46.6% |
Risk
IBOC is the more resilient| Metric | IBOC | INTC |
|---|---|---|
| Beta | 0.34 | 3.08 |
| Sharpe ratio | -0.1 | 1.5 |
| Sortino ratio | -0.15 | 2.73 |
| Max drawdown | -16.1% | -41.9% |
| Current drawdown | -16.1% | -34.9% |
| Annualized volatility | 21.1% | 77.8% |
| Value at risk (95%) | -1.9% | -6.2% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, IBOC or INTC?
On the Algovestiq AIQ Score, IBOC is the stronger of the two as of Oct 21, 2026, scoring 51 against INTC's 30. The edge comes from risk resilience and quality. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is IBOC or INTC the better buy right now?
IBOC carries the stronger systematic profile as of Oct 21, 2026, and the comparison is rated Stable — 5 of 6 covered evidence groups agree. A Stable rating means the gap is wide and the evidence is broad, so the conclusion is unlikely to turn on a single session.
Why does the AIQ Score favor IBOC over INTC?
The composite weights Quality, Value, Momentum and Risk Resilience. IBOC leads Risk Resilience by 38 points; IBOC leads Quality by 30 points; IBOC leads Value by 18 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, IBOC or INTC?
Analyst price targets imply +28.6% upside for IBOC and +18.2% for INTC, so the Street currently favors IBOC. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, IBOC or INTC?
IBOC is the better-valued of the two on the peer-relative Value factor. IBOC on the peer-relative Value factor, by 18 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, IBOC or INTC?
IBOC on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, IBOC or INTC?
The two are level on Momentum. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, IBOC or INTC?
IBOC is the more resilient of the two, so the other name carries the higher downside risk. IBOC on Risk Resilience, by 38 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is IBOC more profitable than INTC?
IBOC leads on the comparable margin measures — gross margin 78.7% vs 38.9%; operating margin 49.2% vs 0.1%; ttm roe 12.7% vs -10.8%.
Is IBOC's lead over INTC getting stronger or weaker?
IBOC lead: Strengthening — the AIQ differential moved from 10 to 21 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-21 and 2026-10-20. The lead has not changed hands in that window.
What would change the IBOC vs INTC verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: INTC closes the Risk Resilience gap — currently 38 points behind, the largest single contributor to IBOC's edge; INTC's Keltner Channel Breakdown resolves — a bearish volatility rule currently active against it; IBOC's conflicting signal state resolves bearish — it currently carries 2 bullish and 4 bearish rules at once; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about IBOC and INTC?
IBOC: 2 bullish / 4 bearish / 1 neutral, conflicted. INTC: 2 bullish / 2 bearish / 1 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on IBOC is Death Cross Active (bearish, long horizon). On INTC it is Golden Cross Active (bullish, long horizon).
Compare IBOC and INTC with others
Continue your research
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How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.