International Bancshares (IBOC) Financials

$62.65 -0.30 (-0.48%)

Closing price 05/23/2025 04:00 PM Eastern

Extended Trading

$62.66 +0.02 (+0.02%)

As of 05/23/2025 04:04 PM Eastern

Annual Income Statements for International Bancshares

This table shows International Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Income / (Loss) Attributable to Common Shareholders	409	412	300	254	167	205	216	157	134	137
Consolidated Net Income / (Loss)	409	412	300	254	167	205	216	157	134	137
Net Income / (Loss) Continuing Operations	409	412	300	254	167	205	216	157	134	137
Total Pre-Tax Income	509	524	383	322	212	260	273	222	197	207
Total Revenue	834	833	675	594	538	589	578	527	506	508
Net Interest Income / (Expense)	657	664	488	371	388	434	413	376	345	352
Total Interest Income	866	800	526	398	427	492	466	415	388	397
Loans and Leases Interest Income	681	620	402	359	378	414	375	323	298	297
Investment Securities Interest Income	160	138	78	36	49	77	90	92	90	99
Other Interest Income	25	42	46	3.07	0.90	1.42	1.02	0.63	0.21	0.14
Total Interest Expense	209	137	38	27	39	59	53	39	43	44
Deposits Interest Expense	179	113	24	16	26	37	26	16	15	15
Long-Term Debt Interest Expense	7.76	8.12	12	10	13	19	24	16	7.73	5.71
Federal Funds Purchased and Securities Sold Interest Expense	22	15	2.50	0.62	0.93	2.43	2.42	6.62	21	24
Total Non-Interest Income	177	170	187	222	151	155	165	150	162	156
Service Charges on Deposit Accounts	143	141	137	-	0.00	-	72	-	-	-
Other Service Charges	34	28	51	222	151	155	93	155	164	159
Other Non-Interest Income	-0.00	-	-	-0.02	-0.01	-0.01	-0.14	-4.77	-2.63	-
Provision for Credit Losses	32	35	22	7.96	45	19	6.11	11	20	24
Total Non-Interest Expense	293	275	270	263	281	310	300	294	290	277
Salaries and Employee Benefits	146	134	128	123	130	146	139	133	129	125
Net Occupancy & Equipment Expense	48	46	41	44	44	48	47	48	42	39
Marketing Expense	6.29	5.01	4.59	4.04	4.28	7.75	7.70	7.85	7.81	7.59
Property & Liability Insurance Claims	6.87	6.29	6.99	4.39	1.87	1.42	3.74	3.29	5.78	5.94
Other Operating Expenses	63	62	68	62	73	78	77	77	80	72
Depreciation Expense	23	22	22	25	28	28	26	25	25	25
Income Tax Expense	100	112	82	68	44	55	57	64	63	70
Basic Earnings per Share	$6.58	$6.63	$4.79	$4.01	$2.63	$3.13	$3.27	$2.38	$2.03	$2.06
Weighted Average Basic Shares Outstanding	62.18M	62.08M	62.66M	63.35M	63.73M	65.48M	66.11M	66.05M	65.97M	66.41M
Diluted Earnings per Share	$6.57	$6.62	$4.78	$4.00	$2.62	$3.12	$3.24	$2.36	$2.02	$2.05
Weighted Average Diluted Shares Outstanding	62.30M	62.22M	62.81M	63.49M	63.85M	65.69M	66.63M	66.78M	66.31M	66.64M
Weighted Average Basic & Diluted Shares Outstanding	62.22M	62.17M	62.14M	63.38M	63.30M	65.50M	66M	66.10M	66M	66.40M
Cash Dividends to Common per Share	$1.32	$1.26	$1.20	$1.15	$1.10	$1.05	$0.75	$0.66	$0.60	$0.58

This table shows International Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	97	115	100	97	97	106	103	100	102	105	83
Consolidated Net Income / (Loss)	97	115	100	97	97	106	103	100	102	105	83
Net Income / (Loss) Continuing Operations	97	115	100	97	97	106	103	100	102	105	83
Total Pre-Tax Income	121	134	127	125	123	136	131	128	129	135	106
Total Revenue	198	208	212	208	206	211	213	204	206	205	190
Net Interest Income / (Expense)	161	161	168	164	164	165	167	166	165	159	135
Total Interest Income	215	216	223	216	212	210	204	198	188	175	145
Loans and Leases Interest Income	170	169	176	168	168	166	159	153	142	128	105
Investment Securities Interest Income	42	42	42	39	38	37	36	34	31	25	21
Other Interest Income	2.02	5.00	5.49	8.63	5.95	6.25	9.48	11	14	21	19
Total Interest Expense	53	55	55	51	48	45	37	32	23	15	9.87
Deposits Interest Expense	46	47	46	44	41	38	31	26	19	11	5.85
Long-Term Debt Interest Expense	3.17	1.75	1.99	1.97	2.05	1.95	1.98	1.90	2.30	3.00	3.35
Federal Funds Purchased and Securities Sold Interest Expense	4.30	5.61	6.17	5.32	5.24	5.18	4.14	3.30	2.14	1.41	0.67
Total Non-Interest Income	37	47	44	44	42	46	45	38	40	46	55
Other Service Charges	37	-24	8.04	7.82	42	-24	9.39	2.58	40	-91	55
Provision for Credit Losses	3.33	1.45	8.60	8.77	13	6.70	10	8.82	8.59	7.91	8.53
Total Non-Interest Expense	74	73	76	74	70	69	71	68	68	62	75
Salaries and Employee Benefits	39	37	38	36	36	34	35	33	33	31	34
Net Occupancy & Equipment Expense	12	12	13	12	11	12	11	11	11	8.01	12
Marketing Expense	1.72	1.61	1.40	1.46	1.82	1.10	1.36	1.29	1.26	0.22	1.48
Property & Liability Insurance Claims	1.77	1.74	1.73	1.70	1.70	-1.29	1.74	1.69	4.14	1.93	2.03
Other Operating Expenses	14	15	17	17	14	17	16	15	13	16	20
Depreciation Expense	5.61	5.59	5.59	5.72	5.63	5.58	5.49	5.41	5.47	5.47	5.43
Income Tax Expense	24	19	27	28	26	29	28	27	27	29	23
Basic Earnings per Share	$1.56	$1.85	$1.60	$1.56	$1.57	$1.71	$1.66	$1.62	$1.64	$1.69	$1.34
Weighted Average Basic Shares Outstanding	62.21M	62.18M	62.19M	62.18M	62.15M	62.08M	62.05M	62.07M	62.14M	62.66M	62.23M
Diluted Earnings per Share	$1.56	$1.85	$1.60	$1.56	$1.56	$1.71	$1.66	$1.62	$1.63	$1.68	$1.34
Weighted Average Diluted Shares Outstanding	62.30M	62.30M	62.31M	62.29M	62.27M	62.22M	62.20M	62.21M	62.28M	62.81M	62.37M
Weighted Average Basic & Diluted Shares Outstanding	62.14M	62.22M	62.20M	62.19M	62.18M	62.17M	62.06M	62.05M	62.11M	62.14M	-
Cash Dividends to Common per Share	$0.70	-	$0.66	-	$0.66	-	$0.63	-	$0.63	-	$0.60

This table details how cash moves in and out of International Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Change in Cash & Equivalents	-298	-1,437	-1,122	1,212	1,740	-60	51	-3.84	-3.86	18
Net Cash From Operating Activities	474	474	388	292	305	312	230	197	203	204
Net Cash From Continuing Operating Activities	474	474	388	292	305	312	230	197	203	204
Net Income / (Loss) Continuing Operations	409	412	300	254	167	205	216	157	134	137
Consolidated Net Income / (Loss)	409	412	300	254	167	205	216	157	134	137
Provision For Loan Losses	32	35	22	7.96	45	19	6.11	11	20	24
Depreciation Expense	23	22	22	25	28	28	26	25	25	25
Amortization Expense	5.55	6.90	14	36	39	21	20	24	27	29
Non-Cash Adjustments to Reconcile Net Income	-21	15	-9.47	-59	-2.30	-1.58	-14	-3.38	-1.50	-7.42
Changes in Operating Assets and Liabilities, net	26	-16	40	27	27	40	-24	-18	-0.81	-3.71
Net Cash From Investing Activities	-985	-1,067	-992	-916	-344	-318	379	-404	-138	373
Net Cash From Continuing Investing Activities	-985	-1,067	-992	-916	-344	-318	379	-404	-138	373
Purchase of Property, Leasehold Improvements and Equipment	-14	-27	-19	-10	-6.73	-30	-21	-14	-39	-20
Purchase of Investment Securities	-1,845	-1,743	-1,763	-2,608	-2,511	-1,322	-349	-1,602	-1,413	-667
Sale of Property, Leasehold Improvements and Equipment	0.87	0.27	13	11	0.90	1.86	4.53	2.20	3.70	4.52
Sale and/or Maturity of Investments	873	703	777	1,691	2,174	1,031	745	1,211	1,311	1,055
Net Cash From Financing Activities	213	-844	-517	1,836	1,779	-53	-558	203	-69	-559
Net Cash From Continuing Financing Activities	213	-844	-517	1,836	1,779	-53	-558	203	-69	-559
Net Change in Deposits	287	-835	42	1,896	1,896	129	152	-65	74	98
Issuance of Debt	-0.20	-0.20	-425	-	-	-	-	462	228	-
Issuance of Common Equity	3.76	1.17	1.54	2.41	0.54	1.92	1.52	1.46	0.55	1.37
Repayment of Debt	0.00	-26	0.00	-0.19	-190	-105	-490	-	-1.00	-582
Repurchase of Common Equity	-0.96	-4.61	-52	-0.72	-49	-18	-48	-0.19	-7.97	-6.68
Payment of Dividends	-82	-78	-75	-73	-70	-69	-50	-44	-40	-39
Other Financing Activities, Net	4.91	99	-8.48	12	192	6.55	-124	-151	-323	-31
Cash Interest Paid	202	118	36	29	42	57	51	39	44	45
Cash Income Taxes Paid	51	70	22	47	35	44	41	67	50	65

This table details how cash moves in and out of International Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	237	-427	-12	-117	258	-48	-327	-170	-893	-1,156	-173
Net Cash From Operating Activities	140	115	116	107	135	133	114	85	143	99	121
Net Cash From Continuing Operating Activities	140	112	120	107	135	132	114	86	143	99	121
Net Income / (Loss) Continuing Operations	97	115	100	97	97	106	103	100	102	105	83
Consolidated Net Income / (Loss)	97	115	100	97	97	106	103	100	102	105	83
Provision For Loan Losses	3.33	1.45	8.60	8.77	13	6.70	10	8.82	8.59	7.91	8.53
Depreciation Expense	5.61	5.59	5.59	5.72	5.63	5.58	5.49	5.41	5.47	5.47	5.43
Amortization Expense	1.17	1.37	1.41	1.35	1.43	1.66	1.74	1.69	1.82	2.29	2.84
Non-Cash Adjustments to Reconcile Net Income	0.61	-27	0.63	0.78	4.74	16	2.60	2.12	-5.29	7.10	-7.66
Changes in Operating Assets and Liabilities, net	33	16	3.67	-6.40	13	-3.95	-9.82	-33	30	-29	29
Net Cash From Investing Activities	-275	-382	-252	-267	-84	-115	-445	61	-568	-535	-177
Net Cash From Continuing Investing Activities	-275	-382	-252	-267	-84	-115	-445	61	-568	-535	-177
Purchase of Property, Leasehold Improvements and Equipment	-7.38	1.65	-6.91	-2.34	-6.54	-8.42	-9.19	-5.60	-4.29	-6.42	-4.23
Purchase of Investment Securities	-473	-639	-509	-460	-237	-266	-622	-149	-708	-683	-193
Sale of Property, Leasehold Improvements and Equipment	0.01	0.29	0.01	0.57	0.00	-	0.12	0.15	0.00	0.97	2.38
Sale and/or Maturity of Investments	205	255	263	195	160	159	185	215	144	154	18
Net Cash From Financing Activities	372	-160	123	43	206	-66	4.88	-316	-467	-721	-117
Net Cash From Continuing Financing Activities	372	-160	123	43	206	-66	4.88	-316	-467	-721	-117
Net Change in Deposits	340	11	69	16	191	-92	-19	-345	-379	-221	-63
Issuance of Debt	20	-0.05	-	-	-	-0.05	-0.05	-0.05	-0.05	-425	-
Issuance of Common Equity	0.34	0.46	0.65	0.36	2.29	0.51	0.36	0.21	0.09	0.81	0.35
Repurchase of Common Equity	0.00	-0.22	-0.25	-	-0.50	-0.12	-0.08	-3.37	-1.04	-0.11	-11
Payment of Dividends	-44	-	-41	-	-41	-	-39	-	-39	-	-37
Other Financing Activities, Net	55	-171	95	27	55	26	62	58	-48	-76	-6.23
Cash Interest Paid	56	53	53	48	48	40	32	26	20	15	8.90

This table presents International Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Total Assets	15,739	15,066	15,501	16,046	14,029	12,113	11,872	12,185	11,804	11,773
Cash and Due from Banks	353	651	2,088	3,209	1,997	257	317	265	269	273
Trading Account Securities	5,350	5,171	4,782	4,520	3,345	3,706	3,756	4,448	4,697	4,671
Loans and Leases, Net of Allowance	8,653	7,902	7,305	-110	-109	-60	6,500	6,280	5,900	5,884
Loans and Leases	8,810	8,059	7,431	-	-	-	6,561	6,348	5,965	5,951
Allowance for Loan and Lease Losses	157	157	126	110	109	60	61	68	65	67
Premises and Equipment, Net	428	437	432	447	480	507	507	514	528	517
Goodwill	283	283	283	283	283	283	283	283	283	283
Other Assets	668	619	610	7,697	8,034	7,421	510	393	128	146
Total Liabilities & Shareholders' Equity	15,739	15,066	15,501	16,046	14,029	12,113	11,872	12,185	11,804	11,773
Total Liabilities	12,942	12,618	13,457	13,738	11,851	9,995	9,932	10,346	10,079	10,107
Non-Interest Bearing Deposits	4,612	5,031	5,846	5,839	4,716	3,546	3,455	3,243	3,158	3,150
Interest Bearing Deposits	7,500	6,794	6,814	6,779	6,006	5,280	5,242	5,302	5,452	5,387
Short-Term Debt	535	530	431	440	428	237	230	354	505	828
Long-Term Debt	119	120	146	571	571	761	866	1,356	894	667
Other Long-Term Liabilities	176	144	220	109	130	171	140	91	71	76
Total Equity & Noncontrolling Interests	2,797	2,448	2,045	2,308	2,178	2,118	1,940	1,839	1,725	1,666
Total Preferred & Common Equity	2,797	2,448	2,045	2,308	2,178	2,118	1,940	1,839	1,725	1,666
Total Common Equity	2,797	2,448	2,045	2,308	2,178	2,118	1,940	1,839	1,725	1,666
Common Stock	256	252	250	248	246	244	241	268	265	264
Retained Earnings	3,356	3,029	2,696	2,471	2,290	2,201	2,064	1,892	1,778	1,684
Treasury Stock	-436	-435	-431	-379	-378	-329	-311	-292	-292	-284
Accumulated Other Comprehensive Income / (Loss)	-379	-398	-470	-32	21	2.35	-55	-28	-27	2.17

This table presents International Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023
Period end date	3/31/2025	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023
Total Assets	16,270	15,892	15,492	15,361	14,908	14,855	15,135
Cash and Due from Banks	589	780	792	909	699	1,025	1,195
Trading Account Securities	367	5,344	5,217	5,126	5,066	363	5,231
Loans and Leases, Net of Allowance	8,922	8,431	8,119	7,970	7,748	7,433	-134
Loans and Leases	9,080	8,587	8,268	8,112	7,897	7,573	-
Allowance for Loan and Lease Losses	159	156	149	143	149	141	134
Premises and Equipment, Net	430	436	434	438	434	431	430
Goodwill	283	283	283	283	283	283	283
Other Assets	5,680	615	642	631	675	5,320	8,130
Total Liabilities & Shareholders' Equity	16,270	15,892	15,492	15,361	14,908	14,855	15,135
Total Liabilities	13,375	13,143	12,914	12,877	12,714	12,663	12,979
Non-Interest Bearing Deposits	4,782	4,722	4,852	4,985	5,216	5,261	5,549
Interest Bearing Deposits	7,670	7,379	7,179	7,031	6,700	6,674	6,732
Short-Term Debt	590	706	612	585	504	442	384
Long-Term Debt	139	119	120	120	116	120	146
Other Long-Term Liabilities	193	216	152	157	174	166	169
Total Equity & Noncontrolling Interests	2,895	2,749	2,577	2,484	2,194	2,192	2,156
Total Preferred & Common Equity	2,895	2,749	2,577	2,484	2,194	2,192	2,156
Total Common Equity	2,895	2,749	2,577	2,484	2,194	2,192	2,156
Common Stock	256	255	255	254	251	251	251
Retained Earnings	3,410	3,241	3,182	3,085	2,923	2,859	2,758
Treasury Stock	-436	-436	-436	-436	-435	-435	-432
Accumulated Other Comprehensive Income / (Loss)	-334	-311	-424	-420	-545	-482	-420

This table displays calculated financial ratios and metrics derived from International Bancshares' official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	0.02%	23.52%	13.67%	10.24%	-8.52%	1.80%	9.80%	3.97%	-0.33%	-3.28%
EBITDA Growth	-2.82%	32.03%	9.03%	37.48%	-9.61%	-3.07%	17.55%	8.94%	-4.51%	-7.97%
EBIT Growth	-2.83%	36.82%	18.71%	52.21%	-18.54%	-4.63%	22.98%	12.51%	-4.76%	-10.04%
NOPAT Growth	-0.63%	37.15%	18.24%	51.76%	-18.42%	-5.01%	37.15%	17.55%	-2.04%	-10.72%
Net Income Growth	-0.63%	37.15%	18.24%	51.76%	-18.42%	-5.01%	37.15%	17.55%	-2.04%	-10.72%
EPS Growth	-0.76%	38.49%	19.50%	52.67%	-16.03%	-3.70%	37.29%	16.83%	-1.46%	-10.09%
Operating Cash Flow Growth	-0.10%	22.29%	33.00%	-4.41%	-2.06%	35.55%	16.78%	-3.15%	-0.21%	5.50%
Free Cash Flow Firm Growth	186.10%	-106.47%	789.91%	5.81%	-15.25%	-82.84%	372.37%	-256.52%	-74.28%	154.41%
Invested Capital Growth	11.42%	18.17%	-21.01%	4.46%	1.97%	2.64%	-14.45%	13.61%	-1.17%	-14.31%
Revenue Q/Q Growth	-0.33%	0.70%	0.00%	0.73%	-2.50%	-0.52%	2.39%	0.89%	1.39%	-1.26%
EBITDA Q/Q Growth	-0.44%	0.06%	0.00%	0.59%	0.72%	-1.63%	4.06%	2.36%	0.48%	-2.66%
EBIT Q/Q Growth	-0.41%	0.16%	0.00%	2.94%	-1.56%	-2.94%	5.21%	3.68%	0.23%	-3.55%
NOPAT Q/Q Growth	2.17%	0.23%	0.00%	3.38%	-2.05%	-3.21%	6.56%	6.61%	0.38%	-2.55%
Net Income Q/Q Growth	2.17%	0.23%	0.00%	3.38%	-2.05%	-3.21%	6.56%	6.61%	0.38%	-2.55%
EPS Q/Q Growth	2.18%	0.46%	0.00%	3.09%	-0.76%	-2.80%	6.58%	6.79%	0.50%	-2.38%
Operating Cash Flow Q/Q Growth	-3.64%	7.56%	0.00%	-7.32%	-3.20%	18.78%	14.34%	-10.96%	12.67%	-8.81%
Free Cash Flow Firm Q/Q Growth	115.40%	97.32%	-69.67%	155.08%	237.84%	-57.10%	22.31%	-5,405.08%	-46.32%	154.35%
Invested Capital Q/Q Growth	-3.46%	10.08%	0.00%	0.89%	2.89%	5.67%	0.25%	3.72%	-4.44%	-8.49%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	64.39%	66.27%	62.00%	64.65%	51.84%	52.46%	55.09%	51.46%	49.11%	51.26%
EBIT Margin	61.02%	62.81%	56.71%	54.30%	39.33%	44.16%	47.14%	42.09%	38.90%	40.70%
Profit (Net Income) Margin	49.08%	49.41%	44.49%	42.78%	31.07%	34.85%	37.35%	29.90%	26.44%	26.91%
Tax Burden Percent	80.43%	78.65%	78.46%	78.78%	79.01%	78.90%	79.22%	71.03%	67.98%	66.10%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	19.57%	21.35%	21.54%	21.22%	20.99%	21.10%	20.78%	28.97%	32.02%	33.90%
Return on Invested Capital (ROIC)	12.50%	14.40%	10.11%	7.82%	5.32%	6.67%	6.56%	4.72%	4.26%	3.99%
ROIC Less NNEP Spread (ROIC-NNEP)	12.50%	14.40%	10.11%	7.82%	5.32%	6.67%	6.56%	4.72%	4.26%	3.99%
Return on Net Nonoperating Assets (RNNOA)	3.11%	3.93%	3.69%	3.50%	2.47%	3.44%	4.87%	4.12%	3.64%	4.43%
Return on Equity (ROE)	15.60%	18.33%	13.79%	11.32%	7.79%	10.11%	11.43%	8.84%	7.90%	8.42%
Cash Return on Invested Capital (CROIC)	1.70%	-2.26%	33.59%	3.45%	3.37%	4.06%	22.14%	-8.02%	5.44%	19.41%
Operating Return on Assets (OROA)	3.30%	3.43%	2.43%	2.14%	1.62%	2.17%	2.27%	1.85%	1.67%	1.73%
Return on Assets (ROA)	2.66%	2.69%	1.90%	1.69%	1.28%	1.71%	1.80%	1.31%	1.14%	1.14%
Return on Common Equity (ROCE)	15.60%	18.33%	13.79%	11.32%	7.79%	10.11%	11.43%	8.84%	7.90%	8.42%
Return on Equity Simple (ROE_SIMPLE)	14.63%	16.82%	14.68%	11.00%	7.68%	9.68%	11.13%	8.56%	7.77%	8.21%
Net Operating Profit after Tax (NOPAT)	409	412	300	254	167	205	216	157	134	137
NOPAT Margin	49.08%	49.41%	44.49%	42.78%	31.07%	34.85%	37.35%	29.90%	26.44%	26.91%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	24.03%	22.24%	25.67%	28.89%	33.14%	34.35%	33.35%	35.74%	35.17%	33.84%
Operating Expenses to Revenue	35.16%	33.04%	40.08%	44.36%	52.25%	52.63%	51.80%	55.78%	57.18%	54.49%
Earnings before Interest and Taxes (EBIT)	509	524	383	322	212	260	273	222	197	207
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	537	552	418	384	279	309	319	271	249	260
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.39	1.33	1.31	1.06	0.97	1.13	0.97	1.16	1.25	0.80
Price to Tangible Book Value (P/TBV)	1.55	1.50	1.52	1.21	1.11	1.31	1.14	1.38	1.50	0.97
Price to Revenue (P/Rev)	4.66	3.91	3.97	4.14	3.91	4.07	3.27	4.06	4.26	2.63
Price to Earnings (P/E)	9.50	7.91	8.92	9.68	12.58	11.69	8.76	13.60	16.11	9.78
Dividend Yield	2.11%	2.40%	2.79%	4.38%	4.96%	4.00%	2.62%	2.04%	1.83%	2.88%
Earnings Yield	10.53%	12.65%	11.22%	10.34%	7.95%	8.56%	11.42%	7.36%	6.21%	10.22%
Enterprise Value to Invested Capital (EV/IC)	1.21	1.05	0.44	0.08	0.35	1.01	0.88	1.01	1.05	0.81
Enterprise Value to Revenue (EV/Rev)	5.02	3.90	1.73	0.43	2.06	5.33	4.62	6.81	6.49	5.04
Enterprise Value to EBITDA (EV/EBITDA)	7.80	5.89	2.79	0.67	3.97	10.16	8.38	13.23	13.22	9.83
Enterprise Value to EBIT (EV/EBIT)	8.23	6.22	3.05	0.80	5.23	12.07	9.79	16.17	16.69	12.37
Enterprise Value to NOPAT (EV/NOPAT)	10.24	7.90	3.88	1.02	6.62	15.30	12.36	22.77	24.54	18.72
Enterprise Value to Operating Cash Flow (EV/OCF)	8.84	6.86	3.01	0.88	3.63	10.07	11.62	18.21	16.18	12.57
Enterprise Value to Free Cash Flow (EV/FCFF)	75.43	0.00	1.17	2.30	10.45	25.10	3.66	0.00	19.23	3.85
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.23	0.27	0.28	0.44	0.46	0.47	0.57	0.93	0.81	0.90
Long-Term Debt to Equity	0.04	0.05	0.07	0.25	0.26	0.36	0.45	0.74	0.52	0.40
Financial Leverage	0.25	0.27	0.36	0.45	0.46	0.52	0.74	0.87	0.85	1.11
Leverage Ratio	5.87	6.80	7.25	6.70	6.09	5.91	6.37	6.73	6.95	7.38
Compound Leverage Factor	5.87	6.80	7.25	6.70	6.09	5.91	6.37	6.73	6.95	7.38
Debt to Total Capital	18.97%	20.98%	22.00%	30.45%	31.45%	32.02%	36.11%	48.17%	44.78%	47.30%
Short-Term Debt to Total Capital	15.51%	17.12%	16.45%	13.25%	13.48%	7.59%	7.58%	9.97%	16.17%	26.19%
Long-Term Debt to Total Capital	3.46%	3.86%	5.55%	17.20%	17.97%	24.43%	28.53%	38.20%	28.62%	21.11%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	81.03%	79.02%	78.00%	69.55%	68.55%	67.98%	63.89%	51.83%	55.22%	52.70%
Debt to EBITDA	1.22	1.18	1.38	2.63	3.58	3.23	3.44	6.31	5.62	5.74
Net Debt to EBITDA	0.56	0.00	-3.61	-5.73	-3.58	2.40	2.45	5.33	4.54	4.69
Long-Term Debt to EBITDA	0.22	0.22	0.35	1.49	2.05	2.47	2.72	5.00	3.59	2.56
Debt to NOPAT	1.60	1.58	1.92	3.98	5.97	4.86	5.08	10.86	10.44	10.93
Net Debt to NOPAT	0.74	0.00	-5.03	-8.66	-5.97	3.61	3.61	9.17	8.43	8.94
Long-Term Debt to NOPAT	0.29	0.29	0.48	2.25	3.41	3.71	4.01	8.61	6.67	4.88
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	56	-64	998	112	106	125	729	-268	171	665
Operating Cash Flow to CapEx	3,570.77%	1,742.44%	6,785.74%	0.00%	5,241.93%	1,123.61%	1,363.11%	1,624.72%	578.07%	1,329.65%
Free Cash Flow to Firm to Interest Expense	0.27	-0.47	26.15	4.18	2.71	2.13	13.84	-6.87	3.96	15.00
Operating Cash Flow to Interest Expense	2.26	3.47	10.17	10.87	7.80	5.31	4.36	5.06	4.71	4.60
Operating Cash Flow Less CapEx to Interest Expense	2.20	3.27	10.02	10.91	7.65	4.84	4.04	4.74	3.90	4.25
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.05	0.05	0.04	0.04	0.04
Fixed Asset Turnover	1.93	1.92	1.54	1.28	1.09	1.16	1.13	1.01	0.97	0.97
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,451	3,098	2,622	3,319	3,177	3,116	3,036	3,548	3,123	3,160
Invested Capital Turnover	0.25	0.29	0.23	0.18	0.17	0.19	0.18	0.16	0.16	0.15
Increase / (Decrease) in Invested Capital	354	476	-697	142	61	80	-513	425	-37	-528
Enterprise Value (EV)	4,189	3,254	1,166	258	1,107	3,138	2,670	3,585	3,287	2,559
Market Capitalization	3,886	3,255	2,677	2,457	2,106	2,397	1,891	2,140	2,158	1,338
Book Value per Share	$44.96	$39.44	$32.63	$36.43	$34.42	$32.49	$29.32	$27.83	$26.15	$25.09
Tangible Book Value per Share	$40.42	$34.89	$28.12	$31.97	$29.96	$28.15	$25.05	$23.56	$21.86	$20.83
Total Capital	3,451	3,098	2,622	3,319	3,177	3,116	3,036	3,548	3,123	3,160
Total Debt	655	650	577	1,010	999	998	1,096	1,709	1,399	1,495
Total Long-Term Debt	119	120	146	571	571	761	866	1,356	894	667
Net Debt	302	-1.03	-1,511	-2,199	-998	741	779	1,444	1,130	1,222
Capital Expenditures (CapEx)	13	27	5.72	-1.06	5.82	28	17	12	35	15
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	655	650	577	1,010	999	998	1,096	1,709	1,399	1,495
Total Depreciation and Amortization (D&A)	28	29	36	61	67	49	46	49	52	54
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$6.58	$6.63	$4.79	$4.01	$2.63	$3.13	$3.27	$2.38	$2.03	$2.06
Adjusted Weighted Average Basic Shares Outstanding	62.18M	62.08M	62.66M	63.35M	63.73M	65.48M	66.11M	66.05M	65.97M	66.41M
Adjusted Diluted Earnings per Share	$6.57	$6.62	$4.78	$4.00	$2.62	$3.12	$3.24	$2.36	$2.02	$2.05
Adjusted Weighted Average Diluted Shares Outstanding	62.30M	62.22M	62.81M	63.49M	63.85M	65.69M	66.63M	66.78M	66.31M	66.64M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$3.13	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	62.22M	62.17M	62.14M	63.38M	63.30M	65.21M	65.62M	66.10M	65.99M	65.93M
Normalized Net Operating Profit after Tax (NOPAT)	409	412	300	254	167	205	216	157	134	137
Normalized NOPAT Margin	49.08%	49.41%	44.49%	42.78%	31.07%	34.85%	37.35%	29.90%	26.49%	27.03%
Pre Tax Income Margin	61.02%	62.81%	56.71%	54.30%	39.33%	44.16%	47.14%	42.09%	38.90%	40.70%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.43	3.83	10.03	12.01	5.41	4.43	5.18	5.69	4.57	4.67
NOPAT to Interest Expense	1.96	3.01	7.87	9.46	4.28	3.50	4.10	4.04	3.11	3.09
EBIT Less CapEx to Interest Expense	2.37	3.63	9.88	12.05	5.26	3.96	4.86	5.38	3.75	4.32
NOPAT Less CapEx to Interest Expense	1.89	2.81	7.72	9.50	4.13	3.03	3.78	3.73	2.29	2.74
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	20.06%	19.00%	25.11%	28.69%	41.79%	33.48%	22.97%	27.69%	29.54%	28.17%
Augmented Payout Ratio	20.30%	20.12%	42.44%	28.97%	71.01%	42.18%	45.22%	27.81%	35.49%	33.05%

This table displays calculated financial ratios and metrics derived from International Bancshares' official financial filings.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-3.71%	-1.31%	-0.44%	1.76%	0.15%	2.82%	12.06%	39.70%	53.90%	0.00%	0.00%
EBITDA Growth	-1.83%	-1.66%	-3.11%	-2.20%	-4.35%	0.22%	20.87%	63.28%	73.09%	0.00%	38.42%
EBIT Growth	-1.71%	-1.54%	-3.11%	-2.30%	-4.42%	0.62%	23.48%	73.53%	89.72%	0.00%	53.37%
NOPAT Growth	-0.45%	8.19%	-3.38%	-3.49%	-4.24%	0.91%	23.88%	73.34%	90.01%	0.00%	52.67%
Net Income Growth	-0.45%	8.19%	-3.38%	-3.49%	-4.24%	0.91%	23.88%	73.34%	90.01%	0.00%	0.00%
EPS Growth	0.00%	8.19%	-3.61%	-3.70%	-4.29%	1.79%	23.88%	76.09%	94.05%	0.00%	0.00%
Operating Cash Flow Growth	3.74%	-13.47%	2.42%	25.74%	-5.11%	33.53%	-6.11%	-3.44%	80.40%	0.00%	107.23%
Free Cash Flow Firm Growth	16.41%	35.51%	75.61%	-186.69%	-164.93%	-146.07%	-180.37%	222.56%	1,205.51%	666.08%	2,393.29%
Invested Capital Growth	13.67%	11.42%	27.04%	20.15%	18.73%	18.17%	0.00%	-13.45%	-16.30%	-21.01%	-100.00%
Revenue Q/Q Growth	-4.82%	-1.67%	1.94%	0.92%	-2.45%	-0.79%	4.19%	-0.68%	0.15%	8.12%	29.89%
EBITDA Q/Q Growth	-9.04%	4.95%	1.54%	1.27%	-8.88%	3.41%	2.49%	-0.96%	-4.52%	24.72%	38.46%
EBIT Q/Q Growth	-9.38%	5.27%	1.68%	1.33%	-9.21%	3.59%	2.53%	-0.87%	-4.43%	27.13%	44.08%
NOPAT Q/Q Growth	-15.81%	15.35%	2.88%	-0.36%	-8.50%	3.01%	2.77%	-1.14%	-3.58%	26.46%	43.79%
Net Income Q/Q Growth	-15.81%	15.35%	2.88%	-0.36%	-8.50%	3.01%	2.77%	-1.14%	-3.58%	26.46%	43.79%
EPS Q/Q Growth	-15.68%	15.63%	2.56%	0.00%	-8.77%	3.01%	2.47%	-0.61%	-2.98%	25.37%	45.65%
Operating Cash Flow Q/Q Growth	22.27%	-1.37%	8.66%	-20.83%	1.98%	16.75%	33.40%	-40.26%	43.50%	-17.91%	37.20%
Free Cash Flow Firm Q/Q Growth	-42.14%	63.92%	-44.39%	-12.89%	-9.67%	86.36%	-613.20%	-15.44%	-22.19%	-76.20%	1,959.66%
Invested Capital Q/Q Growth	5.01%	-3.46%	8.06%	3.76%	2.93%	10.08%	2.20%	2.54%	2.44%	0.00%	-100.00%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	64.52%	67.52%	63.26%	63.51%	63.29%	67.75%	65.00%	66.08%	66.27%	69.51%	60.26%
EBIT Margin	61.10%	64.18%	59.95%	60.11%	59.86%	64.32%	61.60%	62.60%	62.73%	65.73%	55.91%
Profit (Net Income) Margin	48.88%	55.26%	47.11%	46.68%	47.28%	50.41%	48.55%	49.22%	49.45%	51.36%	43.91%
Tax Burden Percent	80.00%	86.11%	78.58%	77.66%	78.98%	78.37%	78.81%	78.62%	78.84%	78.14%	78.55%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	20.00%	13.89%	21.42%	22.34%	21.02%	21.63%	21.19%	21.38%	21.16%	21.86%	21.45%
Return on Invested Capital (ROIC)	11.85%	14.07%	12.33%	12.90%	13.42%	14.69%	28.56%	13.35%	12.53%	11.67%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	11.85%	14.07%	12.33%	12.90%	13.42%	14.69%	28.56%	13.35%	12.53%	11.67%	0.00%
Return on Net Nonoperating Assets (RNNOA)	3.16%	3.50%	3.61%	3.50%	3.57%	4.01%	8.08%	5.12%	4.63%	4.25%	0.00%
Return on Equity (ROE)	15.01%	17.57%	15.94%	16.39%	16.99%	18.70%	36.63%	18.47%	17.16%	15.92%	0.00%
Cash Return on Invested Capital (CROIC)	-0.80%	1.70%	-11.29%	-4.98%	-3.25%	-2.26%	-170.80%	27.59%	29.57%	33.59%	200.00%
Operating Return on Assets (OROA)	3.19%	3.47%	3.26%	3.32%	3.27%	3.51%	6.84%	3.24%	3.00%	2.81%	0.00%
Return on Assets (ROA)	2.55%	2.99%	2.56%	2.58%	2.59%	2.75%	5.39%	2.55%	2.36%	2.20%	0.00%
Return on Common Equity (ROCE)	15.01%	17.57%	15.94%	16.39%	16.99%	18.70%	36.63%	18.47%	17.16%	15.92%	0.00%
Return on Equity Simple (ROE_SIMPLE)	14.12%	0.00%	14.57%	15.67%	16.40%	0.00%	18.73%	17.83%	16.16%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	97	115	100	97	97	106	103	100	102	105	83
NOPAT Margin	48.88%	55.26%	47.11%	46.68%	47.28%	50.41%	48.55%	49.22%	49.45%	51.36%	43.91%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	26.31%	24.36%	24.32%	23.79%	23.65%	22.23%	22.32%	22.29%	22.10%	19.22%	25.14%
Operating Expenses to Revenue	37.22%	35.13%	35.99%	35.67%	33.83%	32.50%	33.47%	33.08%	33.10%	30.41%	39.60%
Earnings before Interest and Taxes (EBIT)	121	134	127	125	123	136	131	128	129	135	106
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	128	141	134	132	130	143	138	135	136	143	114
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.36	1.39	1.34	1.35	1.37	1.33	1.18	1.19	1.18	1.31	0.00
Price to Tangible Book Value (P/TBV)	1.50	1.55	1.49	1.52	1.55	1.50	1.36	1.37	1.35	1.52	0.00
Price to Revenue (P/Rev)	4.75	4.66	4.40	4.16	4.09	3.91	3.14	3.25	3.40	3.97	0.00
Price to Earnings (P/E)	9.60	9.50	9.19	8.61	8.36	7.91	6.32	6.69	7.28	8.92	0.00
Dividend Yield	2.16%	2.11%	2.23%	2.31%	2.35%	2.40%	3.01%	2.92%	3.01%	2.79%	3.00%
Earnings Yield	10.42%	10.53%	10.89%	11.61%	11.96%	12.65%	15.82%	14.94%	13.74%	11.22%	0.00%
Enterprise Value to Invested Capital (EV/IC)	1.12	1.21	1.04	1.03	1.00	1.05	0.90	0.78	0.70	0.44	0.00
Enterprise Value to Revenue (EV/Rev)	4.92	5.02	4.45	4.08	3.84	3.90	3.04	2.67	2.50	1.73	0.00
Enterprise Value to EBITDA (EV/EBITDA)	7.60	7.80	6.91	6.29	5.86	5.89	4.56	4.07	3.93	2.79	0.00
Enterprise Value to EBIT (EV/EBIT)	8.02	8.23	7.29	6.64	6.19	6.22	4.82	4.32	4.21	3.05	0.00
Enterprise Value to NOPAT (EV/NOPAT)	9.94	10.24	9.30	8.46	7.86	7.90	6.13	5.50	5.37	3.88	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	8.48	8.84	7.57	6.99	6.86	6.86	5.71	4.80	4.14	3.01	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	75.43	0.00	0.00	0.00	0.00	0.00	2.63	2.15	1.17	0.76
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.25	0.23	0.30	0.28	0.28	0.27	0.28	0.26	0.25	0.28	0.00
Long-Term Debt to Equity	0.05	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.07	0.07	0.00
Financial Leverage	0.27	0.25	0.29	0.27	0.27	0.27	0.28	0.38	0.37	0.36	0.43
Leverage Ratio	5.88	5.87	6.23	6.36	6.57	6.80	6.80	7.26	7.27	7.25	6.83
Compound Leverage Factor	5.88	5.87	6.23	6.36	6.57	6.80	6.80	7.26	7.27	7.25	6.83
Debt to Total Capital	20.12%	18.97%	23.10%	22.10%	22.10%	20.98%	22.05%	20.39%	19.70%	22.00%	0.00%
Short-Term Debt to Total Capital	16.28%	15.51%	19.75%	18.49%	18.35%	17.12%	17.92%	16.05%	14.28%	16.45%	0.00%
Long-Term Debt to Total Capital	3.85%	3.46%	3.34%	3.61%	3.75%	3.86%	4.13%	4.35%	5.42%	5.55%	0.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	79.88%	81.03%	76.90%	77.90%	77.90%	79.02%	77.95%	79.61%	80.30%	78.00%	0.00%
Debt to EBITDA	1.36	1.22	1.53	1.35	1.29	1.18	1.12	1.06	1.11	1.38	0.00
Net Debt to EBITDA	0.26	0.56	0.09	-0.11	-0.37	0.00	-0.14	-0.88	-1.40	-3.61	0.00
Long-Term Debt to EBITDA	0.26	0.22	0.22	0.22	0.22	0.22	0.21	0.23	0.31	0.35	0.00
Debt to NOPAT	1.78	1.60	2.06	1.81	1.73	1.58	1.51	1.44	1.52	1.92	0.00
Net Debt to NOPAT	0.34	0.74	0.11	-0.15	-0.50	0.00	-0.19	-1.19	-1.91	-5.03	0.00
Long-Term Debt to NOPAT	0.34	0.29	0.30	0.30	0.29	0.29	0.28	0.31	0.42	0.48	0.00
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-339	-239	-661	-458	-406	-370	-2,711	528	625	803	3,373
Operating Cash Flow to CapEx	1,905.37%	0.00%	1,687.58%	6,059.58%	2,070.58%	1,577.24%	1,252.99%	1,565.93%	3,326.11%	1,827.16%	6,554.38%
Free Cash Flow to Firm to Interest Expense	-6.35	-4.37	-12.08	-8.90	-8.37	-8.19	-73.57	16.68	27.20	52.76	341.74
Operating Cash Flow to Interest Expense	2.63	2.10	2.13	2.08	2.79	2.94	3.09	2.69	6.21	6.53	12.27
Operating Cash Flow Less CapEx to Interest Expense	2.49	2.14	2.00	2.05	2.66	2.75	2.84	2.52	6.03	6.18	12.08
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.05	0.06	0.05	0.05	0.11	0.05	0.05	0.04	0.00
Fixed Asset Turnover	1.90	1.93	1.92	1.94	1.92	1.92	0.00	1.86	1.72	1.54	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,624	3,451	3,575	3,308	3,188	3,098	2,814	2,754	2,685	2,622	0.00
Invested Capital Turnover	0.24	0.25	0.26	0.28	0.28	0.29	0.59	0.27	0.25	0.23	0.00
Increase / (Decrease) in Invested Capital	436	354	761	555	503	476	2,814	-428	-523	-697	-3,290
Enterprise Value (EV)	4,063	4,189	3,724	3,418	3,203	3,254	2,519	2,152	1,869	1,166	2,486
Market Capitalization	3,923	3,886	3,678	3,479	3,408	3,255	2,597	2,616	2,535	2,677	2,486
Book Value per Share	$46.53	$44.96	$44.21	$41.45	$39.97	$39.44	$35.35	$35.29	$34.70	$32.63	$0.00
Tangible Book Value per Share	$41.99	$40.42	$39.67	$36.91	$35.42	$34.89	$30.80	$30.74	$30.15	$28.12	$0.00
Total Capital	3,624	3,451	3,575	3,308	3,188	3,098	2,814	2,754	2,685	2,622	0.00
Total Debt	729	655	826	731	705	650	621	562	529	577	0.00
Total Long-Term Debt	139	119	119	120	120	120	116	120	146	146	0.00
Net Debt	140	302	46	-61	-204	-1.03	-78	-464	-666	-1,511	0.00
Capital Expenditures (CapEx)	7.37	-1.94	6.90	1.77	6.54	8.42	9.08	5.44	4.29	5.44	1.85
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	729	655	826	731	705	650	621	562	529	577	0.00
Total Depreciation and Amortization (D&A)	6.78	6.95	7.00	7.07	7.06	7.24	7.23	7.10	7.28	7.76	8.27
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.56	$1.85	$1.60	$1.56	$1.57	$1.71	$1.66	$1.62	$1.64	$1.69	$0.00
Adjusted Weighted Average Basic Shares Outstanding	62.21M	62.18M	62.19M	62.18M	62.15M	62.08M	62.65M	62.07M	62.14M	62.66M	0.00
Adjusted Diluted Earnings per Share	$1.56	$1.85	$1.60	$1.56	$1.56	$1.71	$1.66	$1.62	$1.63	$1.68	$0.00
Adjusted Weighted Average Diluted Shares Outstanding	62.30M	62.30M	62.31M	62.29M	62.27M	62.22M	62.20M	62.21M	62.28M	62.81M	0.00
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	62.14M	62.22M	62.20M	62.19M	62.18M	62.17M	62.06M	62.05M	62.11M	62.14M	0.00
Normalized Net Operating Profit after Tax (NOPAT)	97	115	100	97	97	106	103	100	102	105	83
Normalized NOPAT Margin	48.88%	55.26%	47.11%	46.68%	47.28%	50.41%	48.55%	49.22%	49.45%	51.36%	43.91%
Pre Tax Income Margin	61.10%	64.18%	59.95%	60.11%	59.86%	64.32%	61.60%	62.60%	62.73%	65.73%	55.91%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.27	2.45	2.32	2.43	2.54	3.00	3.56	4.04	5.61	8.87	10.75
NOPAT to Interest Expense	1.81	2.11	1.82	1.89	2.01	2.35	2.80	3.17	4.43	6.93	8.45
EBIT Less CapEx to Interest Expense	2.13	2.48	2.19	2.39	2.41	2.82	3.31	3.86	5.43	8.51	10.56
NOPAT Less CapEx to Interest Expense	1.68	2.14	1.70	1.85	1.87	2.17	2.56	3.00	4.24	6.57	8.26
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	20.70%	20.06%	20.50%	19.84%	19.67%	19.00%	19.05%	19.57%	21.96%	25.11%	0.00%
Augmented Payout Ratio	20.81%	20.30%	20.71%	20.01%	20.66%	20.12%	20.17%	23.64%	36.23%	42.44%	0.00%

Frequently Asked Questions About International Bancshares' Financials

When does International Bancshares's financial year end?

According to the most recent income statement we have on file, International Bancshares' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has International Bancshares' net income changed over the last 9 years?

International Bancshares' net income appears to be on an upward trend, with a most recent value of $409.17 million in 2024, rising from $136.73 million in 2015. The previous period was $411.77 million in 2023.

How has International Bancshares revenue changed over the last 9 years?

Over the last 9 years, International Bancshares' total revenue changed from $508.17 million in 2015 to $833.64 million in 2024, a change of 64.0%.

How much debt does International Bancshares have?

International Bancshares' total liabilities were at $12.94 billion at the end of 2024, a 2.6% increase from 2023, and a 28.0% increase since 2015.

How much cash does International Bancshares have?

In the past 9 years, International Bancshares' cash and equivalents has ranged from $256.82 million in 2019 to $3.21 billion in 2021, and is currently $352.65 million as of their latest financial filing in 2024.

How has International Bancshares' book value per share changed over the last 9 years?

Over the last 9 years, International Bancshares' book value per share changed from 25.09 in 2015 to 44.96 in 2024, a change of 79.2%.

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This page (NASDAQ:IBOC) was last updated on 5/24/2025 by MarketBeat.com Staff

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International Bancshares (IBOC) Financials

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International Bancshares (IBOC) Financials

Annual Income Statements for International Bancshares

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