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International Bancshares (IBOC) Financials

International Bancshares logo
$62.77 +1.31 (+2.13%)
Closing price 05/2/2025 04:00 PM Eastern
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$62.76 -0.02 (-0.02%)
As of 05/2/2025 04:05 PM Eastern
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Annual Income Statements for International Bancshares

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

Quarterly Income Statements for International Bancshares

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

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

Annual Cash Flow Statements for International Bancshares

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

Quarterly Cash Flow Statements for International Bancshares

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 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -173 -1,156 -893 -170 -327 -48 258 -117 -12 -427
Net Cash From Operating Activities		 121 99 143 85 114 133 135 107 116 115
Net Cash From Continuing Operating Activities		 121 99 143 86 114 132 135 107 120 112
Net Income / (Loss) Continuing Operations		 83 105 102 100 103 106 97 97 100 115
Consolidated Net Income / (Loss)		 83 105 102 100 103 106 97 97 100 115
Provision For Loan Losses		 8.53 7.91 8.59 8.82 10 6.70 13 8.77 8.60 1.45
Depreciation Expense		 5.43 5.47 5.47 5.41 5.49 5.58 5.63 5.72 5.59 5.59
Amortization Expense		 2.84 2.29 1.82 1.69 1.74 1.66 1.43 1.35 1.41 1.37
Non-Cash Adjustments to Reconcile Net Income		 -7.66 7.10 -5.29 2.12 2.60 16 4.74 0.78 0.63 -27
Changes in Operating Assets and Liabilities, net		 29 -29 30 -33 -9.82 -3.95 13 -6.40 3.67 16
Net Cash From Investing Activities		 -177 -535 -568 61 -445 -115 -84 -267 -252 -382
Net Cash From Continuing Investing Activities		 -177 -535 -568 61 -445 -115 -84 -267 -252 -382
Purchase of Property, Leasehold Improvements and Equipment		 -4.23 -6.42 -4.29 -5.60 -9.19 -8.42 -6.54 -2.34 -6.91 1.65
Purchase of Investment Securities		 -193 -683 -708 -149 -622 -266 -237 -460 -509 -639
Sale of Property, Leasehold Improvements and Equipment		 2.38 0.97 0.00 0.15 0.12 - 0.00 0.57 0.01 0.29
Sale and/or Maturity of Investments		 18 154 144 215 185 159 160 195 263 255
Net Cash From Financing Activities		 -117 -721 -467 -316 4.88 -66 206 43 123 -160
Net Cash From Continuing Financing Activities		 -117 -721 -467 -316 4.88 -66 206 43 123 -160
Net Change in Deposits		 -63 -221 -379 -345 -19 -92 191 16 69 11
Issuance of Debt		 - -425 -0.05 -0.05 -0.05 -0.05 - - - -0.05
Issuance of Common Equity		 0.35 0.81 0.09 0.21 0.36 0.51 2.29 0.36 0.65 0.46
Repurchase of Common Equity		 -11 -0.11 -1.04 -3.37 -0.08 -0.12 -0.50 - -0.25 -0.22
Other Financing Activities, Net		 -6.23 -76 -48 58 62 26 55 27 95 -171
Cash Interest Paid		 8.90 15 20 26 32 40 48 48 53 53
Cash Income Taxes Paid		 -1.66 20 - - 21 - - - 19 2.00

Annual Balance Sheets for International Bancshares

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

Quarterly Balance Sheets for International Bancshares

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

Annual Metrics and Ratios for International Bancshares

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

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

Quarterly Metrics and Ratios for International Bancshares

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

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

Frequently Asked Questions About International Bancshares' Financials

When does International Bancshares's fiscal year end?

According to the most recent income statement we have on file, International Bancshares' financial year ends in December. Their financial 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 5/4/2025 by MarketBeat.com Staff
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