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International Bancshares (IBOC) Financials

International Bancshares logo
$71.49 -0.21 (-0.29%)
As of 08/21/2026 04:00 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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 137 134 157 216 205 167 254 300 412 409 412
Consolidated Net Income / (Loss)		 137 134 157 216 205 167 254 300 412 409 412
Net Income / (Loss) Continuing Operations		 137 134 157 216 205 167 254 300 412 409 412
Total Pre-Tax Income 		207 197 222 273 260 212 322 383 524 509 520
Total Revenue		 508 506 527 578 589 538 594 675 833 834 842
Net Interest Income / (Expense)		 352 345 376 413 434 388 371 488 664 657 672
Total Interest Income		 397 388 415 466 492 427 398 526 800 866 886
Loans and Leases Interest Income		 297 298 323 375 414 378 359 402 620 681 700
Investment Securities Interest Income		 99 90 92 90 77 49 36 78 138 160 171
Other Interest Income		 0.14 0.21 0.63 1.02 1.42 0.90 3.07 46 42 25 16
Total Interest Expense		 44 43 39 53 59 39 27 38 137 209 214
Deposits Interest Expense		 15 15 16 26 37 26 16 24 113 179 186
Long-Term Debt Interest Expense		 5.71 7.73 16 24 19 13 10 12 8.12 7.76 9.05
Federal Funds Purchased and Securities Sold Interest Expense		 24 21 6.62 2.42 2.43 0.93 0.62 2.50 15 22 19
Total Non-Interest Income		 156 162 150 165 155 151 222 187 170 177 170
Other Service Charges		 159 164 155 93 155 151 222 51 28 34 170
Other Non-Interest Income		 - -2.63 -4.77 -0.14 -0.01 -0.01 -0.02 - -0.00 - -0.00
Provision for Credit Losses		 24 20 11 6.11 19 45 7.96 22 35 32 15
Total Non-Interest Expense		 277 290 294 300 310 281 263 270 275 293 307
Salaries and Employee Benefits		 125 129 133 139 146 130 123 128 134 146 153
Net Occupancy & Equipment Expense		 39 42 48 47 48 44 44 41 46 48 52
Marketing Expense		 7.59 7.81 7.85 7.70 7.75 4.28 4.04 4.59 5.01 6.29 5.31
Property & Liability Insurance Claims		 5.94 5.78 3.29 3.74 1.42 1.87 4.39 6.99 6.29 6.87 7.15
Other Operating Expenses		 72 80 77 77 78 73 62 68 62 63 65
Depreciation Expense		 25 25 25 26 28 28 25 22 22 23 23
Income Tax Expense		 70 63 64 57 55 44 68 82 112 100 108
Basic Earnings per Share		 $2.06 $2.03 $2.38 $3.27 $3.13 $2.63 $4.01 $4.79 $6.63 $6.58 $6.63
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 62.17M
Diluted Earnings per Share		 $2.05 $2.02 $2.36 $3.24 $3.12 $2.62 $4.00 $4.78 $6.62 $6.57 $6.62
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 62.26M
Weighted Average Basic & Diluted Shares Outstanding		 66.40M 66M 66.10M 66M 65.50M 63.30M 63.38M 62.14M 62.17M 62.22M 62.18M
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 $1.40

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 106 97 97 100 115 97 100 108 107 102 96
Consolidated Net Income / (Loss)		 106 97 97 100 115 97 100 108 107 102 96
Net Income / (Loss) Continuing Operations		 106 97 97 100 115 97 100 108 107 102 96
Total Pre-Tax Income 		136 123 125 127 134 121 126 136 137 129 121
Total Revenue		 211 206 208 212 208 198 208 218 218 208 215
Net Interest Income / (Expense)		 165 164 164 168 161 161 167 172 171 166 171
Total Interest Income		 210 212 216 223 216 215 221 227 224 215 220
Loans and Leases Interest Income		 166 168 168 176 169 170 174 179 177 169 173
Investment Securities Interest Income		 37 38 39 42 42 42 43 43 42 42 43
Other Interest Income		 6.25 5.95 8.63 5.49 5.00 2.02 4.07 4.75 5.04 3.88 4.39
Total Interest Expense		 45 48 51 55 55 53 53 55 52 49 49
Deposits Interest Expense		 38 41 44 46 47 46 46 48 46 43 43
Long-Term Debt Interest Expense		 1.95 1.98 1.97 1.99 1.75 3.17 2.36 1.71 1.81 1.51 1.52
Federal Funds Purchased and Securities Sold Interest Expense		 5.18 5.24 5.32 6.17 5.61 4.30 4.64 5.12 4.91 4.72 4.27
Total Non-Interest Income		 46 42 44 44 47 37 41 46 46 43 44
Service Charges on Deposit Accounts		 - 35 36 36 - 34 - 37 - 35 37
Other Service Charges		 -24 7.16 7.82 8.04 -24 2.94 41 9.20 83 7.63 7.06
Provision for Credit Losses		 6.70 13 8.77 8.60 1.45 3.33 4.40 1.83 5.54 3.02 11
Total Non-Interest Expense		 69 70 74 76 73 74 78 80 75 76 83
Salaries and Employee Benefits		 34 36 36 38 37 39 38 38 39 39 41
Net Occupancy & Equipment Expense		 12 11 12 13 12 12 13 14 14 12 13
Marketing Expense		 1.10 1.82 1.46 1.40 1.61 1.72 1.73 1.72 0.13 1.69 1.71
Property & Liability Insurance Claims		 -1.29 1.70 1.70 1.73 1.74 1.77 1.76 1.80 1.82 1.84 1.84
Other Operating Expenses		 17 14 17 17 15 14 18 19 14 15 19
Depreciation Expense		 5.58 5.63 5.72 5.59 5.59 5.61 5.49 5.70 6.55 6.18 6.23
Income Tax Expense		 29 26 28 27 19 24 26 28 30 27 25
Basic Earnings per Share		 $1.71 $1.57 $1.56 $1.60 $1.85 $1.56 $1.61 $1.74 $1.72 $1.64 $1.54
Weighted Average Basic Shares Outstanding		 62.08M 62.15M 62.18M 62.19M 62.18M 62.21M 62.15M 62.16M 62.17M 62.18M 62.18M
Diluted Earnings per Share		 $1.71 $1.56 $1.56 $1.60 $1.85 $1.56 $1.61 $1.74 $1.71 $1.64 $1.54
Weighted Average Diluted Shares Outstanding		 62.22M 62.27M 62.29M 62.31M 62.30M 62.30M 62.23M 62.25M 62.26M 62.25M 62.26M
Weighted Average Basic & Diluted Shares Outstanding		 62.17M 62.18M 62.19M 62.20M 62.22M 62.14M 62.16M 62.16M 62.18M 62.18M 62.19M

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 18 -3.86 -3.84 51 -60 1,740 1,212 -1,122 -1,437 -298 184
Net Cash From Operating Activities		 204 203 197 230 312 305 292 388 474 474 491
Net Cash From Continuing Operating Activities		 204 203 197 230 312 305 292 388 474 474 491
Net Income / (Loss) Continuing Operations		 137 134 157 216 205 167 254 300 412 409 412
Consolidated Net Income / (Loss)		 137 134 157 216 205 167 254 300 412 409 412
Provision For Loan Losses		 24 20 11 6.11 19 45 7.96 22 35 32 15
Depreciation Expense		 25 25 25 26 28 28 25 22 22 23 23
Amortization Expense		 29 27 24 20 21 39 36 14 6.90 5.55 4.48
Non-Cash Adjustments to Reconcile Net Income		 -7.42 -1.50 -3.38 -14 -1.58 -2.30 -59 -9.47 15 -21 5.74
Changes in Operating Assets and Liabilities, net		 -3.71 -0.81 -18 -24 40 27 27 40 -16 26 30
Net Cash From Investing Activities		 373 -138 -404 379 -318 -344 -916 -992 -1,067 -985 -592
Net Cash From Continuing Investing Activities		 373 -138 -404 379 -318 -344 -916 -992 -1,067 -985 -592
Purchase of Property, Leasehold Improvements and Equipment		 -20 -39 -14 -21 -30 -6.73 -10 -19 -27 -14 -18
Purchase of Investment Securities		 -667 -1,413 -1,602 -349 -1,322 -2,511 -2,608 -1,763 -1,743 -1,845 -1,609
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 0.02
Sale and/or Maturity of Investments		 1,055 1,311 1,211 745 1,031 2,174 1,691 777 703 873 1,035
Net Cash From Financing Activities		 -559 -69 203 -558 -53 1,779 1,836 -517 -844 213 284
Net Cash From Continuing Financing Activities		 -559 -69 203 -558 -53 1,779 1,836 -517 -844 213 284
Net Change in Deposits		 98 74 -65 152 129 1,896 1,896 42 -835 287 325
Issuance of Common Equity		 1.37 0.55 1.46 1.52 1.92 0.54 2.41 1.54 1.17 3.76 1.47
Repayment of Debt		 -582 -1.00 - -490 -105 -190 -0.19 0.00 -26 -0.20 -0.21
Repurchase of Common Equity		 -6.68 -7.97 -0.19 -48 -18 -49 -0.72 -52 -4.61 -0.96 -4.61
Payment of Dividends		 -39 -40 -44 -50 -69 -70 -73 -75 -78 -82 -87
Other Financing Activities, Net		 -31 -323 -151 -124 6.55 192 12 -8.48 99 4.91 50
Cash Interest Paid		 45 44 39 51 57 42 29 36 118 202 217
Cash Income Taxes Paid		 65 50 67 41 44 35 47 22 - 46 65

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -48 258 -117 -12 -427 237 142 -143 -53 49 -135
Net Cash From Operating Activities		 133 135 107 116 115 140 95 115 140 121 94
Net Cash From Continuing Operating Activities		 132 135 107 120 112 140 95 115 140 121 94
Net Income / (Loss) Continuing Operations		 106 97 97 100 115 97 100 108 107 102 96
Consolidated Net Income / (Loss)		 106 97 97 100 115 97 100 108 107 102 96
Provision For Loan Losses		 6.70 13 8.77 8.60 1.45 3.33 4.40 1.83 5.54 3.02 11
Depreciation Expense		 5.58 5.63 5.72 5.59 5.59 5.61 5.49 5.70 6.55 6.18 6.23
Amortization Expense		 1.66 1.43 1.35 1.41 1.37 1.17 1.11 1.11 1.09 0.95 0.89
Non-Cash Adjustments to Reconcile Net Income		 16 4.74 0.78 0.63 -27 0.61 1.13 -1.06 5.06 -0.60 -2.49
Changes in Operating Assets and Liabilities, net		 -3.95 13 -6.40 3.67 16 33 -17 -0.79 15 8.99 -17
Net Cash From Investing Activities		 -115 -84 -267 -252 -382 -275 -28 -194 -95 -232 -350
Net Cash From Continuing Investing Activities		 -115 -84 -267 -252 -382 -275 -28 -194 -95 -232 -350
Purchase of Property, Leasehold Improvements and Equipment		 -8.42 -6.54 -2.34 -6.91 1.65 -7.38 -3.86 -2.93 -3.95 -4.69 -5.67
Purchase of Investment Securities		 -266 -237 -460 -509 -639 -473 -274 -434 -428 -535 -658
Sale of Property, Leasehold Improvements and Equipment		 - 0.00 0.57 0.01 0.29 0.01 0.01 0.01 0.00 0.02 0.03
Sale and/or Maturity of Investments		 159 160 195 263 255 205 250 243 337 308 314
Net Cash From Financing Activities		 -66 206 43 123 -160 372 75 -64 -98 160 121
Net Cash From Continuing Financing Activities		 -66 206 43 123 -160 372 75 -64 -98 160 121
Net Change in Deposits		 -92 191 16 69 11 340 23 -19 -19 186 113
Issuance of Common Equity		 0.51 2.29 0.36 0.65 0.46 0.34 0.45 0.46 0.22 0.44 0.31
Repayment of Debt		 - -0.05 -0.05 0.10 - 20 - - -0.05 -0.05 -0.05
Repurchase of Common Equity		 -0.12 -0.50 - -0.25 -0.22 0.00 -4.55 - -0.06 -0.06 -0.10
Other Financing Activities, Net		 26 55 27 95 -171 55 26 48 -79 19 7.07
Cash Interest Paid		 40 48 48 53 53 56 53 55 52 50 50

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 2025
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 12/31/2025
Total Assets		 11,773 11,804 12,185 11,872 12,113 14,029 16,046 15,501 15,066 15,739 16,576
Cash and Due from Banks		 273 269 265 317 257 1,997 3,209 2,088 651 353 536
Trading Account Securities		 4,671 4,697 4,448 3,756 3,706 3,345 4,520 4,782 5,171 357 448
Loans and Leases, Net of Allowance		 5,884 5,900 6,280 6,500 -60 -109 -110 7,305 7,902 8,653 9,301
Loans and Leases		 5,951 5,965 6,348 6,561 - - - 7,431 8,059 8,810 9,460
Allowance for Loan and Lease Losses		 67 65 68 61 60 109 110 126 157 157 159
Premises and Equipment, Net		 517 528 514 507 507 480 447 432 437 428 423
Goodwill		 283 283 283 283 283 283 283 283 283 283 283
Other Assets		 146 128 393 510 7,421 8,034 7,697 610 619 5,665 5,585
Total Liabilities & Shareholders' Equity		 11,773 11,804 12,185 11,872 12,113 14,029 16,046 15,501 15,066 15,739 16,576
Total Liabilities		 10,107 10,079 10,346 9,932 9,995 11,851 13,738 13,457 12,618 12,942 13,325
Non-Interest Bearing Deposits		 3,150 3,158 3,243 3,455 3,546 4,716 5,839 5,846 5,031 4,612 4,486
Interest Bearing Deposits		 5,387 5,452 5,302 5,242 5,280 6,006 6,779 6,814 6,794 7,500 7,950
Short-Term Debt		 828 505 354 230 237 428 440 431 530 535 586
Long-Term Debt		 667 894 1,356 866 761 571 571 146 120 119 119
Other Long-Term Liabilities		 76 71 91 140 171 130 109 220 144 176 183
Total Equity & Noncontrolling Interests		 1,666 1,725 1,839 1,940 2,118 2,178 2,308 2,045 2,448 2,797 3,252
Total Preferred & Common Equity		 1,666 1,725 1,839 1,940 2,118 2,178 2,308 2,045 2,448 2,797 3,252
Total Common Equity		 1,666 1,725 1,839 1,940 2,118 2,178 2,308 2,045 2,448 2,797 3,252
Common Stock		 264 265 268 241 244 246 248 250 252 256 258
Retained Earnings		 1,684 1,778 1,892 2,064 2,201 2,290 2,471 2,696 3,029 3,356 3,681
Treasury Stock		 -284 -292 -292 -311 -329 -378 -379 -431 -435 -436 -441
Accumulated Other Comprehensive Income / (Loss)		 2.17 -27 -28 -55 2.35 21 -32 -470 -398 -379 -246

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 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 15,135 14,855 14,908 15,361 15,492 15,892 16,270 16,462 16,551 16,826 17,022
Cash and Due from Banks		 1,195 1,025 699 909 792 780 589 732 589 586 451
Trading Account Securities		 5,231 363 5,066 5,126 5,217 5,344 367 376 381 442 430
Loans and Leases, Net of Allowance		 -134 7,433 7,748 7,970 8,119 8,431 8,922 8,984 9,245 9,488 9,693
Loans and Leases		 - 7,573 7,897 8,112 8,268 8,587 9,080 9,139 9,401 9,649 9,863
Allowance for Loan and Lease Losses		 134 141 149 143 149 156 159 155 156 160 170
Premises and Equipment, Net		 430 431 434 438 434 436 430 428 426 422 421
Goodwill		 283 283 283 283 283 283 283 283 283 283 283
Other Assets		 8,130 5,320 675 631 642 615 5,680 5,660 5,628 5,606 5,744
Total Liabilities & Shareholders' Equity		 15,135 14,855 14,908 15,361 15,492 15,892 16,270 16,462 16,551 16,826 17,022
Total Liabilities		 12,979 12,663 12,714 12,877 12,914 13,143 13,375 13,440 13,424 13,538 13,647
Non-Interest Bearing Deposits		 5,549 5,261 5,216 4,985 4,852 4,722 4,782 4,720 4,579 4,473 4,474
Interest Bearing Deposits		 6,732 6,674 6,700 7,031 7,179 7,379 7,670 7,755 7,877 8,150 8,262
Short-Term Debt		 384 442 504 585 612 706 590 616 664 605 612
Long-Term Debt		 146 120 116 120 120 119 139 169 119 119 119
Other Long-Term Liabilities		 169 166 174 157 152 216 193 180 184 192 180
Total Equity & Noncontrolling Interests		 2,156 2,192 2,194 2,484 2,577 2,749 2,895 3,022 3,128 3,288 3,375
Total Preferred & Common Equity		 2,156 2,192 2,194 2,484 2,577 2,749 2,895 3,022 3,128 3,288 3,375
Total Common Equity		 2,156 2,192 2,194 2,484 2,577 2,749 2,895 3,022 3,128 3,288 3,375
Common Stock		 251 251 251 254 255 255 256 257 257 258 258
Retained Earnings		 2,758 2,859 2,923 3,085 3,182 3,241 3,410 3,510 3,575 3,738 3,834
Treasury Stock		 -432 -435 -435 -436 -436 -436 -436 -441 -441 -441 -441
Accumulated Other Comprehensive Income / (Loss)		 -420 -482 -545 -420 -424 -311 -334 -303 -263 -267 -276

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 2025
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 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
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 $6.63
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 62.17M
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 $6.62
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 62.26M
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 $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 62.18M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for International Bancshares

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

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - - - - 62,177,719.00 62,181,244.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 62,177,719.00 62,181,244.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 1.64 1.54
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.82% 0.15% 1.76% -0.44% -1.31% -3.71% 0.20% 2.97% - 5.16% 3.20%
EBITDA Growth		 0.22% -4.35% -2.20% -3.11% -1.66% -1.83% 0.47% 6.97% - 6.74% -3.27%
EBIT Growth		 0.62% -4.42% -2.30% -3.11% -1.54% -1.71% 0.87% 7.50% - 6.83% -3.85%
NOPAT Growth		 0.91% -4.24% -3.49% -3.38% 8.19% -0.45% 3.26% 8.62% - 5.46% -4.32%
Net Income Growth		 0.91% -4.24% -3.49% -3.38% 8.19% -0.45% 3.26% 8.62% - 5.46% -4.32%
EPS Growth		 1.79% -4.29% -3.70% -3.61% 8.19% 0.00% 3.21% 8.75% - 5.13% -4.35%
Operating Cash Flow Growth		 33.53% -5.11% 25.74% 2.42% -13.47% 3.74% -10.91% -1.14% - -14.05% -1.33%
Free Cash Flow Firm Growth		 -146.07% -164.93% -186.69% 75.61% 35.51% 16.41% 12.89% 65.53% - 15.81% 49.12%
Invested Capital Growth		 18.17% 18.73% 20.15% 27.04% 11.42% 13.67% 15.08% 9.41% - 10.70% 7.85%
Revenue Q/Q Growth		 -0.79% -2.45% 0.92% 1.94% -1.67% -4.82% 5.01% 4.77% - -4.25% 3.05%
EBITDA Q/Q Growth		 3.41% -8.88% 1.27% 1.54% 4.95% -9.04% 3.64% 8.10% - -5.48% -6.07%
EBIT Q/Q Growth		 3.59% -9.21% 1.33% 1.68% 5.27% -9.38% 4.00% 8.36% - -5.41% -6.40%
NOPAT Q/Q Growth		 3.01% -8.50% -0.36% 2.88% 15.35% -15.81% 3.35% 8.22% - -4.40% -6.24%
Net Income Q/Q Growth		 3.01% -8.50% -0.36% 2.88% 15.35% -15.81% 3.35% 8.22% - -4.40% -6.24%
EPS Q/Q Growth		 3.01% -8.77% 0.00% 2.56% 15.63% -15.68% 3.21% 8.07% - -4.09% -6.10%
Operating Cash Flow Q/Q Growth		 16.75% 1.98% -20.83% 8.66% -1.37% 22.27% -32.01% 20.59% - -13.73% -21.95%
Free Cash Flow Firm Q/Q Growth		 86.36% -9.67% -12.89% -44.39% 63.92% -42.14% -17.65% 42.86% - 28.29% 28.89%
Invested Capital Q/Q Growth		 10.08% 2.93% 3.76% 8.06% -3.46% 5.01% 5.05% 2.73% - 1.41% 2.35%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 67.75% 63.29% 63.51% 63.26% 67.52% 64.52% 63.68% 65.71% - 65.49% 59.69%
EBIT Margin		 64.32% 59.86% 60.11% 59.95% 64.18% 61.10% 60.51% 62.59% - 62.07% 56.38%
Profit (Net Income) Margin		 50.41% 47.28% 46.68% 47.11% 55.26% 48.88% 48.11% 49.69% - 49.02% 44.60%
Tax Burden Percent		 78.37% 78.98% 77.66% 78.58% 86.11% 80.00% 79.50% 79.40% - 78.98% 79.11%
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		 21.63% 21.02% 22.34% 21.42% 13.89% 20.00% 20.50% 20.60% - 21.02% 20.89%
Return on Invested Capital (ROIC)		 14.69% 13.42% 12.90% 12.33% 14.07% 11.85% 11.17% 11.05% - 10.94% 9.68%
ROIC Less NNEP Spread (ROIC-NNEP)		 14.69% 13.42% 12.90% 12.33% 14.07% 11.85% 11.17% 11.05% - 10.94% 9.68%
Return on Net Nonoperating Assets (RNNOA)		 4.01% 3.57% 3.50% 3.61% 3.50% 3.16% 3.03% 3.03% - 2.57% 2.30%
Return on Equity (ROE)		 18.70% 16.99% 16.39% 15.94% 17.57% 15.01% 14.20% 14.08% - 13.52% 11.98%
Cash Return on Invested Capital (CROIC)		 -2.26% -3.25% -4.98% -11.29% 1.70% -0.80% -2.45% 2.25% - 0.78% 2.89%
Operating Return on Assets (OROA)		 3.51% 3.27% 3.32% 3.26% 3.47% 3.19% 3.13% 3.21% - 3.20% 2.89%
Return on Assets (ROA)		 2.75% 2.59% 2.58% 2.56% 2.99% 2.55% 2.49% 2.55% - 2.53% 2.29%
Return on Common Equity (ROCE)		 18.70% 16.99% 16.39% 15.94% 17.57% 15.01% 14.20% 14.08% - 13.52% 11.98%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 16.40% 15.67% 14.57% 0.00% 14.12% 13.63% 13.44% - 12.70% 12.24%
Net Operating Profit after Tax (NOPAT)		 106 97 97 100 115 97 100 108 - 102 96
NOPAT Margin		 50.41% 47.28% 46.68% 47.11% 55.26% 48.88% 48.11% 49.69% - 49.02% 44.60%
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		 22.23% 23.65% 23.79% 24.32% 24.36% 26.31% 25.45% 24.29% - 25.42% 25.86%
Operating Expenses to Revenue		 32.50% 33.83% 35.67% 35.99% 35.13% 37.22% 37.38% 36.57% - 36.48% 38.45%
Earnings before Interest and Taxes (EBIT)		 136 123 125 127 134 121 126 136 - 129 121
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 143 130 132 134 141 128 133 143 - 137 128
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.33 1.37 1.35 1.34 1.39 1.36 1.36 1.37 - 1.27 1.40
Price to Tangible Book Value (P/TBV)		 1.50 1.55 1.52 1.49 1.55 1.50 1.49 1.50 - 1.39 1.53
Price to Revenue (P/Rev)		 3.91 4.09 4.16 4.40 4.66 4.75 4.96 5.13 - 4.91 5.50
Price to Earnings (P/E)		 7.91 8.36 8.61 9.19 9.50 9.60 9.94 10.16 - 10.02 11.43
Dividend Yield		 2.40% 2.35% 2.31% 2.23% 2.11% 2.16% 2.06% 2.04% - 2.13% 1.88%
Earnings Yield		 12.65% 11.96% 11.61% 10.89% 10.53% 10.42% 10.06% 9.84% - 9.98% 8.75%
Enterprise Value to Invested Capital (EV/IC)		 1.05 1.00 1.03 1.04 1.21 1.12 1.09 1.14 - 1.08 1.22
Enterprise Value to Revenue (EV/Rev)		 3.90 3.84 4.08 4.45 5.02 4.92 5.02 5.37 - 5.07 5.82
Enterprise Value to EBITDA (EV/EBITDA)		 5.89 5.86 6.29 6.91 7.80 7.60 7.75 8.21 - 7.76 9.05
Enterprise Value to EBIT (EV/EBIT)		 6.22 6.19 6.64 7.29 8.23 8.02 8.17 8.64 - 8.18 9.55
Enterprise Value to NOPAT (EV/NOPAT)		 7.90 7.86 8.46 9.30 10.24 9.94 10.07 10.62 - 10.35 12.11
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.86 6.86 6.99 7.57 8.84 8.48 8.88 9.59 - 9.17 10.64
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 75.43 0.00 0.00 53.07 - 144.37 43.70
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.27 0.28 0.28 0.30 0.23 0.25 0.26 0.25 - 0.22 0.22
Long-Term Debt to Equity		 0.05 0.05 0.05 0.04 0.04 0.05 0.06 0.04 - 0.04 0.04
Financial Leverage		 0.27 0.27 0.27 0.29 0.25 0.27 0.27 0.27 - 0.24 0.24
Leverage Ratio		 6.80 6.57 6.36 6.23 5.87 5.88 5.71 5.52 - 5.35 5.23
Compound Leverage Factor		 6.80 6.57 6.36 6.23 5.87 5.88 5.71 5.52 - 5.35 5.23
Debt to Total Capital		 20.98% 22.10% 22.10% 23.10% 18.97% 20.12% 20.63% 20.03% - 18.05% 17.80%
Short-Term Debt to Total Capital		 17.12% 18.35% 18.49% 19.75% 15.51% 16.28% 16.18% 16.99% - 15.08% 14.90%
Long-Term Debt to Total Capital		 3.86% 3.75% 3.61% 3.34% 3.46% 3.85% 4.45% 3.05% - 2.97% 2.90%
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		 79.02% 77.90% 77.90% 76.90% 81.03% 79.88% 79.37% 79.97% - 81.95% 82.20%
Debt to EBITDA		 1.18 1.29 1.35 1.53 1.22 1.36 1.47 1.44 - 1.30 1.32
Net Debt to EBITDA		 0.00 -0.37 -0.11 0.09 0.56 0.26 0.10 0.36 - 0.25 0.51
Long-Term Debt to EBITDA		 0.22 0.22 0.22 0.22 0.22 0.26 0.32 0.22 - 0.21 0.22
Debt to NOPAT		 1.58 1.73 1.81 2.06 1.60 1.78 1.91 1.86 - 1.73 1.77
Net Debt to NOPAT		 0.00 -0.50 -0.15 0.11 0.74 0.34 0.13 0.46 - 0.33 0.68
Long-Term Debt to NOPAT		 0.29 0.29 0.30 0.30 0.29 0.34 0.41 0.28 - 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)		 -370 -406 -458 -661 -239 -339 -399 -228 - -285 -203
Operating Cash Flow to CapEx		 1,577.24% 2,070.58% 6,059.58% 1,687.58% 0.00% 1,905.37% 2,475.89% 3,935.54% - 2,587.44% 1,671.23%
Free Cash Flow to Firm to Interest Expense		 -8.19 -8.37 -8.90 -12.08 -4.37 -6.35 -7.46 -4.18 - -5.83 -4.12
Operating Cash Flow to Interest Expense		 2.94 2.79 2.08 2.13 2.10 2.63 1.79 2.11 - 2.47 1.91
Operating Cash Flow Less CapEx to Interest Expense		 2.75 2.66 2.05 2.00 2.14 2.49 1.71 2.06 - 2.37 1.80
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.06 0.05 0.05 0.05 0.05 0.05 - 0.05 0.05
Fixed Asset Turnover		 1.92 1.92 1.94 1.92 1.93 1.90 1.92 1.93 - 2.00 2.02
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,098 3,188 3,308 3,575 3,451 3,624 3,808 3,911 - 4,012 4,106
Invested Capital Turnover		 0.29 0.28 0.28 0.26 0.25 0.24 0.23 0.22 - 0.22 0.22
Increase / (Decrease) in Invested Capital		 476 503 555 761 354 436 499 336 - 388 299
Enterprise Value (EV)		 3,254 3,203 3,418 3,724 4,189 4,063 4,149 4,468 - 4,322 5,003
Market Capitalization		 3,255 3,408 3,479 3,678 3,886 3,923 4,095 4,273 - 4,184 4,723
Book Value per Share		 $39.44 $39.97 $41.45 $44.21 $44.96 $46.53 $48.63 $50.32 - $52.88 $54.28
Tangible Book Value per Share		 $34.89 $35.42 $36.91 $39.67 $40.42 $41.99 $44.09 $45.78 - $48.34 $49.74
Total Capital		 3,098 3,188 3,308 3,575 3,451 3,624 3,808 3,911 - 4,012 4,106
Total Debt		 650 705 731 826 655 729 785 784 - 724 731
Total Long-Term Debt		 120 120 120 119 119 139 169 119 - 119 119
Net Debt		 -1.03 -204 -61 46 302 140 54 194 - 138 280
Capital Expenditures (CapEx)		 8.42 6.54 1.77 6.90 -1.94 7.37 3.86 2.93 - 4.67 5.64
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)		 650 705 731 826 655 729 785 784 - 724 731
Total Depreciation and Amortization (D&A)		 7.24 7.06 7.07 7.00 6.95 6.78 6.60 6.81 - 7.13 7.12
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.71 $1.57 $1.56 $1.60 $1.85 $1.56 $1.61 $1.74 $1.72 $1.64 $1.54
Adjusted Weighted Average Basic Shares Outstanding		 62.08M 62.15M 62.18M 62.19M 62.18M 62.21M 62.15M 62.16M 62.17M 62.18M 62.18M
Adjusted Diluted Earnings per Share		 $1.71 $1.56 $1.56 $1.60 $1.85 $1.56 $1.61 $1.74 $1.71 $1.64 $1.54
Adjusted Weighted Average Diluted Shares Outstanding		 62.22M 62.27M 62.29M 62.31M 62.30M 62.30M 62.23M 62.25M 62.26M 62.25M 62.26M
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		 62.17M 62.18M 62.19M 62.20M 62.22M 62.14M 62.16M 62.16M 62.18M 62.18M 62.19M
Normalized Net Operating Profit after Tax (NOPAT)		 106 97 97 100 115 97 100 108 - 102 96
Normalized NOPAT Margin		 50.41% 47.28% 46.68% 47.11% 55.26% 48.88% 48.11% 49.69% - 49.02% 44.60%
Pre Tax Income Margin		 64.32% 59.86% 60.11% 59.95% 64.18% 61.10% 60.51% 62.59% - 62.07% 56.38%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.00 2.54 2.43 2.32 2.45 2.27 2.36 2.50 - 2.64 2.46
NOPAT to Interest Expense		 2.35 2.01 1.89 1.82 2.11 1.81 1.87 1.99 - 2.09 1.94
EBIT Less CapEx to Interest Expense		 2.82 2.41 2.39 2.19 2.48 2.13 2.28 2.45 - 2.55 2.34
NOPAT Less CapEx to Interest Expense		 2.17 1.87 1.85 1.70 2.14 1.68 1.80 1.93 - 1.99 1.83
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 19.00% 19.67% 19.84% 20.50% 20.06% 20.70% 20.54% 20.70% - 21.29% 21.51%
Augmented Payout Ratio		 20.12% 20.66% 20.01% 20.71% 20.30% 20.81% 21.76% 21.84% - 22.41% 21.57%

Financials Breakdown Chart

Key Financial Trends

International Bancshares (NASDAQ: IBOC) continued to post solid quarterly results in Q1 2026, with earnings and operating cash flow holding up well despite some pressure in the balance sheet and investment activity. Over the last four years, the company has shown a consistent ability to generate profits and cash, but the latest trends suggest a more mixed picture as loan growth, deposit changes, and securities positioning create some volatility.

  • Q1 2026 net income was $102.2 million, up from $96.9 million in Q1 2025, showing earnings remain resilient.
  • Operating cash flow in Q1 2026 was $120.7 million, well above net income, which points to strong cash conversion.
  • Net interest income increased to $165.6 million in Q1 2026 from $161.2 million a year earlier, helped by higher earning assets and stable spread income.
  • Total revenue rose to $208.5 million in Q1 2026, up from $198.2 million in Q1 2025.
  • The company kept expenses relatively controlled, with Q1 2026 non-interest expense at $76.0 million versus revenue of $208.5 million, supporting strong pre-tax profitability.
  • Retained earnings have climbed meaningfully over the past year, reaching $3.74 billion in Q1 2026 from $3.41 billion in Q1 2025, reflecting ongoing profit accumulation.
  • Loans and leases grew to $9.65 billion in Q1 2026 from $9.08 billion in Q1 2025, indicating healthy balance sheet expansion.
  • The dividend remains a meaningful part of shareholder returns, with Q1 2026 cash dividends of $0.73 per share versus $0.70 in Q1 2025.
  • Cash and due from banks fell sharply to $585.9 million in Q1 2026 from $589.5 million in Q1 2025, while the bigger issue was the drop from $731.9 million in Q2 2025, suggesting more active cash deployment.
  • The bank continued to hold a large securities portfolio, but investment activity remained heavy, with $535.2 million of securities purchased in Q1 2026 and $308.1 million sold or matured.
  • Q1 2026 net change in cash and equivalents was only $49.5 million, down sharply from $236.8 million in Q1 2025, indicating less liquidity buildup.
  • Total equity dropped to $3.29 billion in Q1 2026 from $3.02 billion in Q2 2025 and was lower as a percentage of assets than in prior periods, reflecting continued balance sheet leverage.
  • Interest expense remains elevated, with Q1 2026 cash interest paid of $50.4 million, highlighting ongoing funding-cost pressure.
  • Provision for credit losses rose to $3.0 million in Q1 2026 from $1.8 million in Q3 2025, which may suggest a cautious stance on credit quality.
  • Other operating expenses were volatile across the last several quarters, which could make margin trends less predictable going forward.

Bottom line: IBOC still looks like a consistently profitable regional bank with strong operating cash flow and a reliable dividend, but investors should watch funding costs, deposit movements, and balance sheet leverage. Earnings remain healthy, yet the latest balance sheet and cash flow trends suggest the next phase of growth may be more dependent on careful asset-liability management than on aggressive expansion.

08/23/26 02:12 AM ETAI Generated. May Contain Errors.

International Bancshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, International Bancshares' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

International Bancshares' net income appears to be on an upward trend, with a most recent value of $412.29 million in 2025, rising from $136.73 million in 2015. The previous period was $409.17 million in 2024. See where experts think International Bancshares is headed by visiting International Bancshares' forecast page.

Over the last 10 years, International Bancshares' total revenue changed from $508.17 million in 2015 to $842.17 million in 2025, a change of 65.7%.

International Bancshares' total liabilities were at $13.32 billion at the end of 2025, a 3.0% increase from 2024, and a 31.8% increase since 2015.

In the past 10 years, International Bancshares' cash and equivalents has ranged from $256.82 million in 2019 to $3.21 billion in 2021, and is currently $536.49 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:IBOC last updated on 8/6/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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