IBOC

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International Bancshares Corp.

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Key Metrics

Previous Close: $71.53
52-Week Range: $63.20 – $78.46
Market Cap: $4.46B
P/E (TTM): 10.78
EPS (TTM): 6.65
Dividend Yield: 2.04%

Advanced Metrics

Price/Book: 1.32
PEG Ratio: 0.98
Return on Equity: 12.92%
Return on Assets: 2.47%
Gross Margin: 0.00%
Operating Margin: 60.49%
Profit Margin: 49.34%
Current Ratio: —
Debt/Equity: —
Total Debt: $731.02M
Free Cash Flow: —
Revenue Growth: 0.00%
Earnings Growth: -4.30%
Enterprise Value: $4.74B

IBOC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$674.76M	$833.44M	$833.64M	$842.17M
Selling, General & Admin	$139.30M	$145.74M	$159.10M	$165.80M
Pretax Income	$382.64M	$523.51M	$508.72M	$520.36M
Income Tax	$82.41M	$111.74M	$99.55M	$108.07M
Net Income	$300.23M	$411.77M	$409.17M	$412.29M
Diluted EPS	4.78	6.62	6.57	6.62
Diluted Shares	62.81M	62.22M	62.30M	62.26M

IBOC Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$2.09B	$651.06M	$352.65M	$536.49M
Receivables	$45.79M	$65.30M	$72.17M	$72.43M
Total Assets	$15.50B	$15.07B	$15.74B	$16.58B
Long-Term Debt	$145.59M	$119.61M	$119.41M	$119.20M
Total Debt	$145.59M	$119.61M	$119.41M	$119.20M
Total Liabilities	$13.46B	$12.62B	$12.94B	$13.32B
Retained Earnings	$2.70B	$3.03B	$3.36B	$3.68B
Shareholders' Equity	$2.04B	$2.45B	$2.80B	$3.25B

IBOC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$387.94M	$474.43M	$473.95M	$491.06M
Capital Expenditure	-$19.21M	-$27.50M	-$14.15M	-$18.12M
Free Cash Flow	$368.73M	$446.94M	$459.80M	$472.94M
Depreciation & Amortisation	$21.82M	$21.94M	$22.52M	$23.35M
Stock-Based Compensation	$449.00K	$330.00K	$214.00K	$104.00K
Investing Cash Flow	-$992.03M	-$1.07B	-$985.06M	-$591.69M
Financing Cash Flow	-$517.43M	-$843.89M	$212.71M	$284.47M
Dividends Paid	-$75.38M	-$78.25M	-$82.08M	-$87.06M
Share Repurchases	-$52.05M	-$4.61M	-$963.00K	-$4.61M
Net Change in Cash	-$1.12B	-$1.44B	-$298.41M	$183.84M

IBOC Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$198.22M	$208.16M	$218.08M	$217.71M	$208.46M
Selling, General & Admin	$42.10M	$41.75M	$41.13M	$40.82M	$42.66M
Pretax Income	$121.12M	$125.96M	$136.49M	$136.79M	$129.39M
Income Tax	$24.23M	$25.82M	$28.12M	$29.91M	$27.20M
Net Income	$96.89M	$100.14M	$108.38M	$106.88M	$102.19M
Diluted EPS	1.56	1.61	1.74	—	1.64
Diluted Shares	62.30M	62.23M	62.25M	—	62.25M

IBOC Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$589.46M	$731.92M	$589.32M	$536.49M	$585.94M
Receivables	$71.98M	$74.84M	$77.46M	$72.43M	$75.32M
Total Assets	$16.27B	$16.46B	$16.55B	$16.58B	$16.83B
Long-Term Debt	$139.36M	$169.31M	$119.25M	$119.20M	$119.15M
Total Debt	$139.36M	$169.31M	$119.25M	$119.20M	$119.15M
Total Liabilities	$13.37B	$13.44B	$13.42B	$13.32B	$13.54B
Retained Earnings	$3.41B	$3.51B	$3.57B	$3.68B	$3.74B
Shareholders' Equity	$2.90B	$3.02B	$3.13B	$3.25B	$3.29B

IBOC Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$140.46M	$95.50M	$115.15M	$139.94M	$120.73M
Capital Expenditure	-$7.38M	-$3.86M	-$2.93M	-$3.94M	-$4.68M
Free Cash Flow	$133.09M	$91.63M	$112.22M	$136.00M	$116.05M
Depreciation & Amortisation	$5.61M	$5.49M	$5.70M	$6.55M	$6.18M
Stock-Based Compensation	$45.00K	$21.00K	$20.00K	$18.00K	$18.00K
Investing Cash Flow	-$275.28M	-$27.66M	-$193.90M	-$94.86M	-$231.74M
Financing Cash Flow	$371.62M	$74.62M	-$63.85M	-$97.92M	$160.46M
Dividends Paid	-$43.55M	$0.00	-$43.51M	-$1.00K	-$45.39M
Share Repurchases	$0.00	-$4.55M	$0.00	-$62.00K	-$60.00K
Net Change in Cash	$236.81M	$142.46M	-$142.60M	-$52.83M	$49.45M

Market Snapshot

About

International Bancshares Corporation is a multi-bank financial holding company with operations primarily along the Texas-Mexico border and in Oklahoma. The company provides commercial and retail banking services through its flagship subsidiary International Bank of Commerce and other bank subsidiaries, with a focus on serving the South Texas market. International Bancshares offers traditional banking products including commercial and consumer loans, deposits, and wealth management services, with particular expertise in cross-border banking and trade finance. The company benefits from its strategic geographic positioning serving communities with significant economic ties to Mexico.