Based on the aggregated intelligence of 135,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, regional bank International Bancshares (NYSE:IBOC) has received the dreaded one-star ranking.

With that in mind, let's take a closer look at International Bancshares' business, and see what CAPS investors are saying about the stock right now.

International Bancshares facts

Headquarters (founded)

Laredo, Texas (1966)

Market Cap

$764.92 million

Industry

Regional Banks

TTM Revenue

$508.4 million

Management

Chairman/CEO Dennis Nixon

CFO Imelda Navarro

Return on Equity (average, last five years and TTM)

15.0% and 11.9%

2-Month Return

34.0%

Competitors

JPMorgan Chase (NYSE:JPM)

Cullen/Frost Bankers (NYSE:CFR)

CAPS members bearish on IBOC also bearish on:

Life Time Fitness (NYSE:LTM)

Bank of America (NYSE:BAC)

CAPS members bullish on IBOC also bullish on:

Buffalo Wild Wings (NASDAQ:BWLD)

Apple (NASDAQ:AAPL)

Sources: Capital IQ, a division of Standard & Poor's, Yahoo! Finance, and Motley Fool CAPS. TTM = trailing 12 months.

Over on CAPS, some 26% of the 475 members who have rated International Bancshares believe the stock will underperform the S&P 500 going forward. These bears include nrbonner and Scoobrs.

Early last month, nrbonner made this simple (but commonsense) case against the stock: "Commercial real estate is the next thing to crash."

In a pitch from four days later, Scoobrs elaborates:

Commercial real estate construction in Texas, like most of America is in severe decline and appears likely to stay down even after the recession economy improves. This was [International Bancshares'] cash cow. [International Bancshares] has greater exposure to this market than any of its competitors, yet they denied the harsh reality of pending defaults and severely limited new business in their earnings forecast. The share price doesn't fully reflect this predicament because investors seem to believe all banks will continue to be bailed out beyond TARP money and reason.

What do you think about International Bancshares, or any other stock for that matter? Make your voice heard on Motley Fool CAPS today. More than 135,000 investors are waiting to hear what you have to say. CAPS is 100% free, so simply click here to get started.