IBOC vs NTRS Stock Comparison
Compare IBOC vs NTRS on performance, valuation, growth, fundamentals, momentum and risk; the current AIQ evidence does not show a clear headline leader.
What is the main difference between IBOC and NTRS?
IBOC and NTRS are close on the current AIQ evidence, so the better fit depends more on objective, risk tolerance and valuation preference than on a single headline score.
AlgovestIQ AIQ Comparison
International Bancshares Corporation vs Northern Trust Corporation
IBOC and NTRS are effectively level
IBOC and NTRS are effectively level on the AIQ Score; the factor table below shows where each one holds its advantage.
International Bancshares Corporation
Northern Trust Corporation
The Algovestiq AIQ Score does not currently separate IBOC and NTRS as of Oct 21, 2026. Both names are scored on the same 0–100 scale across Quality, Value, Momentum and Risk Resilience, and the factor table below shows where each one holds its advantage.
Compare International Bancshares Corporation and Northern Trust Corporation 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 NTRS 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.
- Momentum24 vs 39NTRS +15
- Quality69 vs 56IBOC +13
- Risk Resilience67 vs 77NTRS +10
- Value48 vs 42IBOC +6
Neither name separates cleanly on the covered dimensions.
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.
Largest factor move: Momentum +8
No signal started or stopped since the prior session; its 2 active signals are unchanged.
IBOC's lead narrowed by 3 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — IBOC and NTRS both carry a full feed there.
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
EvenNeither separates on the overall score.
Growth
NTRSNTRS on combined revenue and EPS growth.
Value
IBOCIBOC on the peer-relative Value factor, by 6 points.
Momentum
NTRSNTRS on the Momentum factor, by 15 points.
Lower downside
NTRSNTRS on Risk Resilience, by 10 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 | NTRS | Note |
|---|---|---|---|
| Implied upside to target | +28.6% | +9.3% | IBOC has more room |
| Target dispersion | 0% | +13.2% | Lower is tighter analyst agreement |
| Consensus | Buy | Hold | Context, not a primary driver |
| Analysts covering | 1 | 7 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
Dividend growth
| Dividend metric | IBOC | NTRS |
|---|---|---|
| 5Y dividend CAGR | 4.94% | 2.06% |
| 2020 regular DPS | $1.100 | $2.800 |
| 2025 regular DPS | $1.400 | $3.100 |
| Years increased | 4 | 3 |
| No cut in window | No (1) | Yes |
| Cohort rank | not ranked | #327 |
IBOC grew its split-adjusted regular dividend faster over 2020–2025 — 4.94% a year against NTRS's 2.06%. NTRS never reduced its regular dividend in the window; IBOC did in 1 year.
Yield and payout ratio shown elsewhere on this page are current values, not part of the study window.
Split-adjusted regular dividends per share, 2020–2025, excluding special dividends. Research as of Sep 19, 2026.
AIQ Agreement Matrix
How each independent group of evidence reads the pair.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 51 vs 51 |
| Fundamentals | NTRSon balance | revenue growth 2.7% vs 11.3%; EPS growth -6.1% vs 56.2%; TTM ROE 12.7% vs 17.1%; gross margin 78.7% vs 59.8%; operating margin 49.2% vs 19.8% — NTRS takes 3 of 5 decided legs, not all of them |
| Valuation | IBOC | Value 48 vs 42 |
| Technicals | NTRS | Price vs 50-day -5.7% vs -6.6%; vs 200-day -7.4% vs 0.6% |
| Risk Resilience | NTRS | Risk Resilience 67 vs 77 |
| Analyst expectations | IBOC | Target upside 28.6% vs 9.3% |
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 0 points. (argues the conclusion is provisional)
- Only 0 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The leader's advantage has been narrowing. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20IBOC lead: Weakening — the AIQ differential moved from 5 to 0 points over 30 sessions.
- Today
- Level
- 51 vs 51
- 7 sessions ago
- IBOC +3
- 52 vs 49
- 30 sessions ago
- IBOC +5
- 53 vs 48
- 90 sessions ago
- NTRS +8
- 54 vs 62
The lead changed hands 7 times in this window, most recently on Sep 14 when IBOC moved ahead of NTRS.
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
- Keltner Channel Breakdown — bearish, volatility, short horizon
- RSI Oversold - Potential Bounce — bullish, momentum, short horizon
- Downtrend Structure Active — bearish, trend, long horizon
1 bullish / 1 bearish, conflicted
Only NTRS
- Golden Cross Active — bullish, trend, long horizon (8.62%)
Both carry 1 more signal that do not separate them: MACD Bearish Crossover.
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).
Price and the AIQ Score both moved up over the latest session (price +0.89%, AIQ +2 points).
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
NTRS leads on balance| Metric | IBOC | NTRS |
|---|---|---|
| Revenue growth (YoY) | 2.7% | 11.3% |
| EPS growth (YoY) | -6.1% | 56.2% |
| Gross margin | 78.7% | 59.8% |
| Operating margin | 49.2% | 19.8% |
| Return on equity (TTM) | 12.7% | 17.1% |
| Debt to equity | 0.22 | 1.18 |
Performance
NTRS leads 6 of 6 windows| Metric | IBOC | NTRS |
|---|---|---|
| 1 week (5 sessions) | -3% | -1.2% |
| 1 month (20 sessions) | -6.4% | -4.6% |
| 3 months (63 sessions) | -12.2% | -7.4% |
| 6 months (126 sessions) | -7.5% | 3.5% |
| Year to date | -1.7% | 21.1% |
| 1 year (252 sessions) | 0.9% | 32.8% |
Technicals
NTRS has the stronger structure| Metric | IBOC | NTRS |
|---|---|---|
| RSI (14) | 28.6 | 39.5 |
| ADX (14) | 31.3 | 38.1 |
| Price vs 50-day | -5.7% | -6.6% |
| Price vs 200-day | -7.4% | 0.6% |
| Volatility (1M, annualized) | 12.7% | 17% |
Risk
NTRS is the more resilient| Metric | IBOC | NTRS |
|---|---|---|
| Beta | 0.34 | 0.91 |
| Sharpe ratio | -0.1 | 1.11 |
| Sortino ratio | -0.15 | 1.77 |
| Max drawdown | -16.1% | -15.1% |
| Current drawdown | -16.1% | -13.6% |
| Annualized volatility | 21.1% | 24.6% |
| Value at risk (95%) | -1.9% | -2.6% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which has more analyst upside, IBOC or NTRS?
Analyst price targets imply +28.6% upside for IBOC and +9.3% for NTRS, so the Street currently favors IBOC. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, IBOC or NTRS?
IBOC is the better-valued of the two on the peer-relative Value factor. IBOC on the peer-relative Value factor, by 6 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 NTRS?
NTRS 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 NTRS?
NTRS on the Momentum factor, by 15 points. 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 NTRS?
NTRS is the more resilient of the two, so the other name carries the higher downside risk. NTRS on Risk Resilience, by 10 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 NTRS?
The profitability evidence is mixed: gross margin 78.7% vs 59.8%; operating margin 49.2% vs 19.8%; ttm roe 12.7% vs 17.1%. IBOC leads on two measures and NTRS on one measure, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
What do the current signals say about IBOC and NTRS?
IBOC: 2 bullish / 4 bearish / 1 neutral, conflicted. NTRS: 1 bullish / 1 bearish, 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 NTRS it is Golden Cross Active (bullish, long horizon).
Compare IBOC and NTRS with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
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.