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International Bancshares (IBOC) Financials

International Bancshares logo
$67.60 -0.70 (-1.02%)
As of 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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 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 9/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 97 97 100 115 97 100 108 107 102 96 114
Consolidated Net Income / (Loss)		 97 97 100 115 97 100 108 107 102 96 114
Net Income / (Loss) Continuing Operations		 97 97 100 115 97 100 108 107 102 96 114
Total Pre-Tax Income 		123 125 127 134 121 126 136 137 129 121 145
Total Revenue		 206 208 212 208 198 208 218 218 208 215 229
Net Interest Income / (Expense)		 164 164 168 161 161 167 172 171 166 171 174
Total Interest Income		 212 216 223 216 215 221 227 224 215 220 226
Loans and Leases Interest Income		 168 168 176 169 170 174 179 177 169 173 174
Investment Securities Interest Income		 38 39 42 42 42 43 43 42 42 43 46
Other Interest Income		 5.95 8.63 5.49 5.00 2.02 4.07 4.75 5.04 3.88 4.39 6.53
Total Interest Expense		 48 51 55 55 53 53 55 52 49 49 51
Deposits Interest Expense		 41 44 46 47 46 46 48 46 43 43 45
Long-Term Debt Interest Expense		 1.98 1.97 1.99 1.75 3.17 2.36 1.71 1.81 1.51 1.52 1.55
Federal Funds Purchased and Securities Sold Interest Expense		 5.24 5.32 6.17 5.61 4.30 4.64 5.12 4.91 4.72 4.27 4.82
Total Non-Interest Income		 42 44 44 47 37 41 46 46 43 44 54
Service Charges on Deposit Accounts		 35 36 36 - 34 - 37 - 35 37 37
Other Service Charges		 7.16 7.82 8.04 -24 2.94 41 9.20 83 7.63 7.06 17
Other Non-Interest Income		 - - - - - - -0.00 - - - 0.00
Provision for Credit Losses		 13 8.77 8.60 1.45 3.33 4.40 1.83 5.54 3.02 11 1.63
Total Non-Interest Expense		 70 74 76 73 74 78 80 75 76 83 83
Salaries and Employee Benefits		 36 36 38 37 39 38 38 39 39 41 39
Net Occupancy & Equipment Expense		 11 12 13 12 12 13 14 14 12 13 13
Marketing Expense		 1.82 1.46 1.40 1.61 1.72 1.73 1.72 0.13 1.69 1.71 1.64
Property & Liability Insurance Claims		 1.70 1.70 1.73 1.74 1.77 1.76 1.80 1.82 1.84 1.84 1.88
Other Operating Expenses		 14 17 17 15 14 18 19 14 15 19 21
Depreciation Expense		 5.63 5.72 5.59 5.59 5.61 5.49 5.70 6.55 6.18 6.23 6.18
Income Tax Expense		 26 28 27 19 24 26 28 30 27 25 30
Basic Earnings per Share		 $1.57 $1.56 $1.60 $1.85 $1.56 $1.61 $1.74 $1.72 $1.64 $1.54 $1.84
Weighted Average Basic Shares Outstanding		 62.15M 62.18M 62.19M 62.18M 62.21M 62.15M 62.16M 62.17M 62.18M 62.18M 62.19M
Diluted Earnings per Share		 $1.56 $1.56 $1.60 $1.85 $1.56 $1.61 $1.74 $1.71 $1.64 $1.54 $1.84
Weighted Average Diluted Shares Outstanding		 62.27M 62.29M 62.31M 62.30M 62.30M 62.23M 62.25M 62.26M 62.25M 62.26M 62.26M
Weighted Average Basic & Diluted Shares Outstanding		 62.18M 62.19M 62.20M 62.22M 62.14M 62.16M 62.16M 62.18M 62.18M 62.19M 62.15M

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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 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 9/30/2026
Net Change in Cash & Equivalents		 258 -117 -12 -427 237 142 -143 -53 49 -135 308
Net Cash From Operating Activities		 135 107 116 115 140 95 115 140 121 94 127
Net Cash From Continuing Operating Activities		 135 107 120 112 140 95 115 140 121 94 127
Net Income / (Loss) Continuing Operations		 97 97 100 115 97 100 108 107 102 96 114
Consolidated Net Income / (Loss)		 97 97 100 115 97 100 108 107 102 96 114
Provision For Loan Losses		 13 8.77 8.60 1.45 3.33 4.40 1.83 5.54 3.02 11 1.63
Depreciation Expense		 5.63 5.72 5.59 5.59 5.61 5.49 5.70 6.55 6.18 6.23 6.18
Amortization Expense		 1.43 1.35 1.41 1.37 1.17 1.11 1.11 1.09 0.95 0.89 0.91
Non-Cash Adjustments to Reconcile Net Income		 4.74 0.78 0.63 -27 0.61 1.13 -1.06 5.06 -0.60 -2.49 -11
Changes in Operating Assets and Liabilities, net		 13 -6.40 3.67 16 33 -17 -0.79 15 8.99 -17 14
Net Cash From Investing Activities		 -84 -267 -252 -382 -275 -28 -194 -95 -232 -350 4.89
Net Cash From Continuing Investing Activities		 -84 -267 -252 -382 -275 -28 -194 -95 -232 -350 4.89
Purchase of Property, Leasehold Improvements and Equipment		 -6.54 -2.34 -6.91 1.65 -7.38 -3.86 -2.93 -3.95 -4.69 -5.67 -3.61
Purchase of Investment Securities		 -237 -460 -509 -639 -473 -274 -434 -428 -535 -658 -261
Sale and/or Maturity of Investments		 160 195 263 255 205 250 243 337 308 314 269
Net Cash From Financing Activities		 206 43 123 -160 372 75 -64 -98 160 121 176
Net Cash From Continuing Financing Activities		 206 43 123 -160 372 75 -64 -98 160 121 176
Net Change in Deposits		 191 16 69 11 340 23 -19 -19 186 113 148
Issuance of Common Equity		 2.29 0.36 0.65 0.46 0.34 0.45 0.46 0.22 0.44 0.31 0.36
Repayment of Debt		 -0.05 -0.05 0.10 - 20 - - -0.05 -0.05 -0.05 30
Repurchase of Common Equity		 -0.50 - -0.25 -0.22 0.00 -4.55 - -0.06 -0.06 -0.10 -0.52
Payment of Dividends		 -41 - -41 - -44 - -44 -0.00 -45 - -45
Other Financing Activities, Net		 55 27 95 -171 55 26 48 -79 19 7.07 44
Cash Interest Paid		 48 48 53 53 56 53 55 52 50 50 52
Cash Income Taxes Paid		 - - 19 2.00 - - 22 0.08 - - 22

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 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 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 9/30/2026
Total Assets		 14,855 14,908 15,361 15,492 15,892 16,270 16,462 16,551 16,826 17,022 17,288
Cash and Due from Banks		 1,025 699 909 792 780 589 732 589 586 451 759
Trading Account Securities		 363 5,066 5,126 5,217 5,344 367 376 381 442 430 384
Loans and Leases, Net of Allowance		 7,433 7,748 7,970 8,119 8,431 8,922 8,984 9,245 9,488 9,693 9,614
Loans and Leases		 7,573 7,897 8,112 8,268 8,587 9,080 9,139 9,401 9,649 9,863 9,784
Allowance for Loan and Lease Losses		 141 149 143 149 156 159 155 156 160 170 170
Premises and Equipment, Net		 431 434 438 434 436 430 428 426 422 421 418
Goodwill		 283 283 283 283 283 283 283 283 283 283 283
Other Assets		 5,320 675 631 642 615 5,680 5,660 5,628 5,606 5,744 5,830
Total Liabilities & Shareholders' Equity		 14,855 14,908 15,361 15,492 15,892 16,270 16,462 16,551 16,826 17,022 17,288
Total Liabilities		 12,663 12,714 12,877 12,914 13,143 13,375 13,440 13,424 13,538 13,647 13,948
Non-Interest Bearing Deposits		 5,261 5,216 4,985 4,852 4,722 4,782 4,720 4,579 4,473 4,474 4,482
Interest Bearing Deposits		 6,674 6,700 7,031 7,179 7,379 7,670 7,755 7,877 8,150 8,262 8,401
Short-Term Debt		 442 504 585 612 706 590 616 664 605 612 656
Long-Term Debt		 120 116 120 120 119 139 169 119 119 119 149
Other Long-Term Liabilities		 166 174 157 152 216 193 180 184 192 180 259
Total Equity & Noncontrolling Interests		 2,192 2,194 2,484 2,577 2,749 2,895 3,022 3,128 3,288 3,375 3,339
Total Preferred & Common Equity		 2,192 2,194 2,484 2,577 2,749 2,895 3,022 3,128 3,288 3,375 3,339
Total Common Equity		 2,192 2,194 2,484 2,577 2,749 2,895 3,022 3,128 3,288 3,375 3,339
Common Stock		 251 251 254 255 255 256 257 257 258 258 259
Retained Earnings		 2,859 2,923 3,085 3,182 3,241 3,410 3,510 3,575 3,738 3,834 3,903
Treasury Stock		 -435 -435 -436 -436 -436 -436 -441 -441 -441 -441 -442
Accumulated Other Comprehensive Income / (Loss)		 -482 -545 -420 -424 -311 -334 -303 -263 -267 -276 -381

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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 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 9/30/2026
DEI Shares Outstanding		 - - - - - - - - 62,177,719.00 62,181,244.00 62,191,514.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 62,177,719.00 62,181,244.00 62,191,514.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 1.64 1.54 1.84
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 0.15% 1.76% -0.44% -1.31% -3.71% 0.20% 2.97% - 5.16% 3.20% 4.96%
EBITDA Growth		 -4.35% -2.20% -3.11% -1.66% -1.83% 0.47% 6.97% - 6.74% -3.27% 5.88%
EBIT Growth		 -4.42% -2.30% -3.11% -1.54% -1.71% 0.87% 7.50% - 6.83% -3.85% 5.96%
NOPAT Growth		 -4.24% -3.49% -3.38% 8.19% -0.45% 3.26% 8.62% - 5.46% -4.32% 5.63%
Net Income Growth		 -4.24% -3.49% -3.38% 8.19% -0.45% 3.26% 8.62% - 5.46% -4.32% 5.63%
EPS Growth		 -4.29% -3.70% -3.61% 8.19% 0.00% 3.21% 8.75% - 5.13% -4.35% 5.75%
Operating Cash Flow Growth		 -5.11% 25.74% 2.42% -13.47% 3.74% -10.91% -1.14% - -14.05% -1.33% 10.04%
Free Cash Flow Firm Growth		 -164.93% -186.69% 75.61% 35.51% 16.41% 12.89% 65.53% - 15.81% 49.12% 47.88%
Invested Capital Growth		 18.73% 20.15% 27.04% 11.42% 13.67% 15.08% 9.41% - 10.70% 7.85% 5.96%
Revenue Q/Q Growth		 -2.45% 0.92% 1.94% -1.67% -4.82% 5.01% 4.77% - -4.25% 3.05% 6.55%
EBITDA Q/Q Growth		 -8.88% 1.27% 1.54% 4.95% -9.04% 3.64% 8.10% - -5.48% -6.07% 18.32%
EBIT Q/Q Growth		 -9.21% 1.33% 1.68% 5.27% -9.38% 4.00% 8.36% - -5.41% -6.40% 19.42%
NOPAT Q/Q Growth		 -8.50% -0.36% 2.88% 15.35% -15.81% 3.35% 8.22% - -4.40% -6.24% 19.48%
Net Income Q/Q Growth		 -8.50% -0.36% 2.88% 15.35% -15.81% 3.35% 8.22% - -4.40% -6.24% 19.48%
EPS Q/Q Growth		 -8.77% 0.00% 2.56% 15.63% -15.68% 3.21% 8.07% - -4.09% -6.10% 19.48%
Operating Cash Flow Q/Q Growth		 1.98% -20.83% 8.66% -1.37% 22.27% -32.01% 20.59% - -13.73% -21.95% 34.49%
Free Cash Flow Firm Q/Q Growth		 -9.67% -12.89% -44.39% 63.92% -42.14% -17.65% 42.86% - 28.29% 28.89% 41.47%
Invested Capital Q/Q Growth		 2.93% 3.76% 8.06% -3.46% 5.01% 5.05% 2.73% - 1.41% 2.35% 0.94%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 63.29% 63.51% 63.26% 67.52% 64.52% 63.68% 65.71% - 65.49% 59.69% 66.28%
EBIT Margin		 59.86% 60.11% 59.95% 64.18% 61.10% 60.51% 62.59% - 62.07% 56.38% 63.18%
Profit (Net Income) Margin		 47.28% 46.68% 47.11% 55.26% 48.88% 48.11% 49.69% - 49.02% 44.60% 50.01%
Tax Burden Percent		 78.98% 77.66% 78.58% 86.11% 80.00% 79.50% 79.40% - 78.98% 79.11% 79.15%
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		 21.02% 22.34% 21.42% 13.89% 20.00% 20.50% 20.60% - 21.02% 20.89% 20.85%
Return on Invested Capital (ROIC)		 13.42% 12.90% 12.33% 14.07% 11.85% 11.17% 11.05% - 10.94% 9.68% 10.80%
ROIC Less NNEP Spread (ROIC-NNEP)		 13.42% 12.90% 12.33% 14.07% 11.85% 11.17% 11.05% - 10.94% 9.68% 10.80%
Return on Net Nonoperating Assets (RNNOA)		 3.57% 3.50% 3.61% 3.50% 3.16% 3.03% 3.03% - 2.57% 2.30% 2.65%
Return on Equity (ROE)		 16.99% 16.39% 15.94% 17.57% 15.01% 14.20% 14.08% - 13.52% 11.98% 13.45%
Cash Return on Invested Capital (CROIC)		 -3.25% -4.98% -11.29% 1.70% -0.80% -2.45% 2.25% - 0.78% 2.89% 4.62%
Operating Return on Assets (OROA)		 3.27% 3.32% 3.26% 3.47% 3.19% 3.13% 3.21% - 3.20% 2.89% 3.25%
Return on Assets (ROA)		 2.59% 2.58% 2.56% 2.99% 2.55% 2.49% 2.55% - 2.53% 2.29% 2.57%
Return on Common Equity (ROCE)		 16.99% 16.39% 15.94% 17.57% 15.01% 14.20% 14.08% - 13.52% 11.98% 13.45%
Return on Equity Simple (ROE_SIMPLE)		 16.40% 15.67% 14.57% 0.00% 14.12% 13.63% 13.44% - 12.70% 12.24% 12.56%
Net Operating Profit after Tax (NOPAT)		 97 97 100 115 97 100 108 - 102 96 114
NOPAT Margin		 47.28% 46.68% 47.11% 55.26% 48.88% 48.11% 49.69% - 49.02% 44.60% 50.01%
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		 23.65% 23.79% 24.32% 24.36% 26.31% 25.45% 24.29% - 25.42% 25.86% 23.48%
Operating Expenses to Revenue		 33.83% 35.67% 35.99% 35.13% 37.22% 37.38% 36.57% - 36.48% 38.45% 36.11%
Earnings before Interest and Taxes (EBIT)		 123 125 127 134 121 126 136 - 129 121 145
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 130 132 134 141 128 133 143 - 137 128 152
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.37 1.35 1.34 1.39 1.36 1.36 1.37 - 1.27 1.40 1.28
Price to Tangible Book Value (P/TBV)		 1.55 1.52 1.49 1.55 1.50 1.49 1.50 - 1.39 1.53 1.39
Price to Revenue (P/Rev)		 4.09 4.16 4.40 4.66 4.75 4.96 5.13 - 4.91 5.50 4.90
Price to Earnings (P/E)		 8.36 8.61 9.19 9.50 9.60 9.94 10.16 - 10.02 11.43 10.16
Dividend Yield		 2.35% 2.31% 2.23% 2.11% 2.16% 2.06% 2.04% - 2.13% 1.88% 2.13%
Earnings Yield		 11.96% 11.61% 10.89% 10.53% 10.42% 10.06% 9.84% - 9.98% 8.75% 9.84%
Enterprise Value to Invested Capital (EV/IC)		 1.00 1.03 1.04 1.21 1.12 1.09 1.14 - 1.08 1.22 1.04
Enterprise Value to Revenue (EV/Rev)		 3.84 4.08 4.45 5.02 4.92 5.02 5.37 - 5.07 5.82 4.95
Enterprise Value to EBITDA (EV/EBITDA)		 5.86 6.29 6.91 7.80 7.60 7.75 8.21 - 7.76 9.05 7.68
Enterprise Value to EBIT (EV/EBIT)		 6.19 6.64 7.29 8.23 8.02 8.17 8.64 - 8.18 9.55 8.10
Enterprise Value to NOPAT (EV/NOPAT)		 7.86 8.46 9.30 10.24 9.94 10.07 10.62 - 10.35 12.11 10.27
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.86 6.99 7.57 8.84 8.48 8.88 9.59 - 9.17 10.64 8.94
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 75.43 0.00 0.00 53.07 - 144.37 43.70 23.14
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.28 0.28 0.30 0.23 0.25 0.26 0.25 - 0.22 0.22 0.24
Long-Term Debt to Equity		 0.05 0.05 0.04 0.04 0.05 0.06 0.04 - 0.04 0.04 0.04
Financial Leverage		 0.27 0.27 0.29 0.25 0.27 0.27 0.27 - 0.24 0.24 0.25
Leverage Ratio		 6.57 6.36 6.23 5.87 5.88 5.71 5.52 - 5.35 5.23 5.23
Compound Leverage Factor		 6.57 6.36 6.23 5.87 5.88 5.71 5.52 - 5.35 5.23 5.23
Debt to Total Capital		 22.10% 22.10% 23.10% 18.97% 20.12% 20.63% 20.03% - 18.05% 17.80% 19.43%
Short-Term Debt to Total Capital		 18.35% 18.49% 19.75% 15.51% 16.28% 16.18% 16.99% - 15.08% 14.90% 15.83%
Long-Term Debt to Total Capital		 3.75% 3.61% 3.34% 3.46% 3.85% 4.45% 3.05% - 2.97% 2.90% 3.60%
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		 77.90% 77.90% 76.90% 81.03% 79.88% 79.37% 79.97% - 81.95% 82.20% 80.57%
Debt to EBITDA		 1.29 1.35 1.53 1.22 1.36 1.47 1.44 - 1.30 1.32 1.44
Net Debt to EBITDA		 -0.37 -0.11 0.09 0.56 0.26 0.10 0.36 - 0.25 0.51 0.08
Long-Term Debt to EBITDA		 0.22 0.22 0.22 0.22 0.26 0.32 0.22 - 0.21 0.22 0.27
Debt to NOPAT		 1.73 1.81 2.06 1.60 1.78 1.91 1.86 - 1.73 1.77 1.92
Net Debt to NOPAT		 -0.50 -0.15 0.11 0.74 0.34 0.13 0.46 - 0.33 0.68 0.11
Long-Term Debt to NOPAT		 0.29 0.30 0.30 0.29 0.34 0.41 0.28 - 0.29 0.29 0.36
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)		 -406 -458 -661 -239 -339 -399 -228 - -285 -203 -119
Operating Cash Flow to CapEx		 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% 3,510.28%
Free Cash Flow to Firm to Interest Expense		 -8.37 -8.90 -12.08 -4.37 -6.35 -7.46 -4.18 - -5.83 -4.12 -2.31
Operating Cash Flow to Interest Expense		 2.79 2.08 2.13 2.10 2.63 1.79 2.11 - 2.47 1.91 2.47
Operating Cash Flow Less CapEx to Interest Expense		 2.66 2.05 2.00 2.14 2.49 1.71 2.06 - 2.37 1.80 2.39
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.06 0.05 0.05 0.05 0.05 0.05 - 0.05 0.05 0.05
Fixed Asset Turnover		 1.92 1.94 1.92 1.93 1.90 1.92 1.93 - 2.00 2.02 2.06
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,188 3,308 3,575 3,451 3,624 3,808 3,911 - 4,012 4,106 4,145
Invested Capital Turnover		 0.28 0.28 0.26 0.25 0.24 0.23 0.22 - 0.22 0.22 0.22
Increase / (Decrease) in Invested Capital		 503 555 761 354 436 499 336 - 388 299 233
Enterprise Value (EV)		 3,203 3,418 3,724 4,189 4,063 4,149 4,468 - 4,322 5,003 4,306
Market Capitalization		 3,408 3,479 3,678 3,886 3,923 4,095 4,273 - 4,184 4,723 4,260
Book Value per Share		 $39.97 $41.45 $44.21 $44.96 $46.53 $48.63 $50.32 - $52.88 $54.28 $53.70
Tangible Book Value per Share		 $35.42 $36.91 $39.67 $40.42 $41.99 $44.09 $45.78 - $48.34 $49.74 $49.15
Total Capital		 3,188 3,308 3,575 3,451 3,624 3,808 3,911 - 4,012 4,106 4,145
Total Debt		 705 731 826 655 729 785 784 - 724 731 805
Total Long-Term Debt		 120 120 119 119 139 169 119 - 119 119 149
Net Debt		 -204 -61 46 302 140 54 194 - 138 280 46
Capital Expenditures (CapEx)		 6.54 1.77 6.90 -1.94 7.37 3.86 2.93 - 4.67 5.64 3.61
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)		 705 731 826 655 729 785 784 - 724 731 805
Total Depreciation and Amortization (D&A)		 7.06 7.07 7.00 6.95 6.78 6.60 6.81 - 7.13 7.12 7.09
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.57 $1.56 $1.60 $1.85 $1.56 $1.61 $1.74 $1.72 $1.64 $1.54 $1.84
Adjusted Weighted Average Basic Shares Outstanding		 62.15M 62.18M 62.19M 62.18M 62.21M 62.15M 62.16M 62.17M 62.18M 62.18M 62.19M
Adjusted Diluted Earnings per Share		 $1.56 $1.56 $1.60 $1.85 $1.56 $1.61 $1.74 $1.71 $1.64 $1.54 $1.84
Adjusted Weighted Average Diluted Shares Outstanding		 62.27M 62.29M 62.31M 62.30M 62.30M 62.23M 62.25M 62.26M 62.25M 62.26M 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		 62.18M 62.19M 62.20M 62.22M 62.14M 62.16M 62.16M 62.18M 62.18M 62.19M 62.15M
Normalized Net Operating Profit after Tax (NOPAT)		 97 97 100 115 97 100 108 - 102 96 114
Normalized NOPAT Margin		 47.28% 46.68% 47.11% 55.26% 48.88% 48.11% 49.69% - 49.02% 44.60% 50.01%
Pre Tax Income Margin		 59.86% 60.11% 59.95% 64.18% 61.10% 60.51% 62.59% - 62.07% 56.38% 63.18%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.54 2.43 2.32 2.45 2.27 2.36 2.50 - 2.64 2.46 2.81
NOPAT to Interest Expense		 2.01 1.89 1.82 2.11 1.81 1.87 1.99 - 2.09 1.94 2.23
EBIT Less CapEx to Interest Expense		 2.41 2.39 2.19 2.48 2.13 2.28 2.45 - 2.55 2.34 2.74
NOPAT Less CapEx to Interest Expense		 1.87 1.85 1.70 2.14 1.68 1.80 1.93 - 1.99 1.83 2.16
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 19.67% 19.84% 20.50% 20.06% 20.70% 20.54% 20.70% - 21.29% 21.51% 21.65%
Augmented Payout Ratio		 20.66% 20.01% 20.71% 20.30% 20.81% 21.76% 21.84% - 22.41% 21.57% 21.83%

Financials Breakdown Chart

Key Financial Trends

International Bancshares (NASDAQ:IBOC) continues to show balance-sheet growth, but its latest results point to rising credit costs and operating expenses. The company remained profitable in the second quarter of 2026, although net income and earnings per share declined from the prior-year period.

  • Loan growth remains strong. Gross loans and leases reached $9.86 billion in Q2 2026, up 7.9% from $9.14 billion in Q2 2025 and approximately 25% from Q3 2023. This expands the company’s core earning-asset base.
  • Net interest income is trending higher. Q2 2026 net interest income increased to $171.1 million from $167.5 million a year earlier and $165.6 million in Q1 2026.
  • Revenue growth has remained consistent. Total revenue rose 3.2% year over year to $214.8 million in Q2 2026. Revenue has generally remained above $200 million in the available quarterly data since 2023.
  • Capital has strengthened substantially. Total common equity increased to $3.38 billion in Q2 2026 from $3.02 billion in Q2 2025 and $2.19 billion in Q3 2023. Retained earnings reached $3.83 billion, supporting the company’s capital base.
  • Deposit funding continues to grow. Total deposits increased to approximately $12.74 billion in Q2 2026 from $12.47 billion in Q2 2025. Q2 financing cash flow also benefited from a $113.3 million increase in deposits.
  • Operating cash flow remains positive. IBOC generated $94.2 million of operating cash flow in Q2 2026, following $120.7 million in Q1 2026 and $95.5 million in Q2 2025. Positive operating cash flow provides support for dividends, investment activity and balance-sheet expansion.
  • Accumulated other comprehensive losses have improved. AOCI was a loss of $275.9 million in Q2 2026, considerably better than the $423.9 million loss reported in Q2 2024. This has helped equity growth, although AOCI remains negative.
  • Interest income has grown, but more slowly than the balance sheet. Total interest income rose to $220.4 million in Q2 2026 from $198.1 million in Q2 2023, while loans increased by roughly 30% over the comparable period. Investors should monitor whether future loan growth produces sufficient yield expansion.
  • Credit-loss provisions have risen sharply. The provision for credit losses increased to $11.1 million in Q2 2026 from $4.4 million in Q2 2025 and $3.0 million in Q1 2026. The allowance for loan losses also rose to $170.0 million, up from $155.0 million a year earlier.
  • Profitability and liquidity faced pressure in Q2. Net income fell 4.3% year over year to $95.8 million, while diluted EPS declined to $1.54 from $1.61. Non-interest expense rose 6.2% to $82.6 million, and cash and due from banks declined to $451.2 million from $731.9 million a year earlier. A $349.6 million investing cash outflow, largely related to investment-security purchases, caused cash to fall by $134.8 million during the quarter.

Overall, IBOC’s multi-year trend is characterized by expanding loans, deposits, assets and shareholders’ equity. However, earnings momentum has weakened recently because credit provisions and operating costs are increasing faster than revenue. The company’s ability to maintain asset quality, control expenses and convert loan growth into stronger net interest income will be important for investors in coming quarters.

11/06/26 05:52 PM 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. Check out International Bancshares' forecast to explore projected trends and price targets.

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%.

In the past 13 quarters, International Bancshares' cash and equivalents has ranged from $451.16 million in Q2 2026 to $1.03 billion in Q2 2023, and is currently $759.03 million as of their latest financial filing in Q3 2026.


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Financial statements for TXSE:IBOC last updated on 11/5/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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