IBOC · International Bancshares Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $129.39M | - | $136.49M | $125.96M | $121.12M | - | $126.97M | $124.87M | $123.23M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $48.48M | - |
| Income Tax | $27.20M | - | $28.12M | $25.82M | $24.23M | - | $27.20M | $27.89M | $25.90M | - |
| Net Income | $102.19M | - | $108.38M | $100.14M | $96.89M | - | $99.77M | $96.98M | $97.33M | - |
| EPS - Basic | $1.64 | - | $1.74 | $1.61 | $1.56 | - | $1.60 | $1.56 | $1.57 | - |
| EPS - Diluted | $1.64 | - | $1.74 | $1.61 | $1.56 | - | $1.60 | $1.56 | $1.56 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $585.94M | $536.49M | $589.32M | $731.92M | $589.46M | $352.65M | $779.84M | $792.17M | $908.95M | $651.06M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $16.83B | $16.58B | $16.55B | $16.46B | $16.27B | $15.74B | $15.89B | $15.49B | $15.36B | $15.07B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $13.54B | $13.32B | $13.42B | $13.44B | $13.37B | $12.94B | $13.14B | $12.91B | $12.88B | $12.62B |
| Stockholders' Equity | $3.29B | $3.25B | $3.13B | $3.02B | $2.90B | $2.80B | $2.75B | $2.58B | $2.48B | $2.45B |
| Retained Earnings | $3.74B | $3.68B | $3.57B | $3.51B | $3.41B | $3.36B | $3.24B | $3.18B | $3.09B | $3.03B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $120.73M | - | - | - | $140.46M | - | - | - | $135.40M | - |
| Investing Cash Flow | ($231.74M) | - | - | - | ($275.28M) | - | - | - | ($83.62M) | - |
| Financing Cash Flow | $160.46M | - | - | - | $371.62M | - | - | - | $206.12M | - |
| CapEx | $4.68M | - | - | - | $7.38M | - | - | - | $6.54M | - |
| Free Cash Flow | $116.05M | - | - | - | $133.09M | - | - | - | $128.85M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.14 | - | - | - | 1.37 | - | - | - | 1.32 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 21.0% | - | 20.6% | 20.5% | 20.0% | - | 21.4% | 22.3% | 21.0% | - |
| Return on assets | 0.6% | - | 0.7% | 0.6% | 0.6% | - | 0.6% | 0.6% | 0.6% | - |
| Return on equity | 3.1% | - | 3.5% | 3.3% | 3.3% | - | 3.6% | 3.8% | 3.9% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 2.5x | - |
| Equity multiplier | 5.12 | 5.10 | 5.29 | 5.45 | 5.62 | 5.63 | 5.78 | 6.01 | 6.18 | 6.16 |
| Liabilities / Assets | 0.80 | 0.80 | 0.81 | 0.82 | 0.82 | 0.82 | 0.83 | 0.83 | 0.84 | 0.84 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 41.0x | - | 39.5x | 41.3x | 40.4x | - | 37.4x | 36.7x | 36.0x | - |
| P / B | 1.3x | - | 1.4x | 1.4x | 1.4x | - | 1.4x | 1.4x | 1.4x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 6.8% | - | 7.5% | 0.9% | -1.7% | - | -3.1% | -2.3% | -4.4% | - |
| Net income growth (YoY) | 5.5% | - | 8.6% | 3.3% | -0.5% | - | -3.4% | -3.5% | -4.2% | - |
| EPS growth (YoY) | 5.1% | - | 8.7% | 3.2% | 0.0% | - | -3.6% | -3.7% | -4.3% | - |
| EPS CAGR (3y) | 0.2% | - | 9.1% | 20.5% | 22.9% | - | 23.0% | 2.5% | 24.9% | - |
| EPS CAGR (5y) | 15.4% | - | 21.0% | 19.9% | 24.1% | - | 15.5% | 15.5% | 14.6% | - |
| FCF growth (YoY) | -12.8% | - | - | - | 3.3% | - | - | - | -6.9% | - |
| FCF CAGR (5y) | 4.3% | - | - | - | 19.8% | - | - | - | 15.9% | - |
| Book value growth (YoY) | 13.6% | 16.3% | 13.8% | 17.3% | 16.6% | 14.3% | 25.3% | 17.6% | 15.2% | 19.7% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$143.76M totalService Charges On Deposit Accounts$74.32M · 51.7%
Other Service Charges Commissions And Fees Banking$58.99M · 41.0%
Other Service Charges Commissions And Fees Nonbanking$10.46M · 7.3%
Peer comparison
Same SIC group: State Commercial Banks
Comparing INTERNATIONAL BANCSHARES CORP against the 5 most active filers in the same SIC group.
Dividends
$1.43/share trailing 12 months · +5.1% YoY
| Ex-date | Per share |
|---|---|
| Feb 13, 2026 | $0.7300 |
| Aug 15, 2025 | $0.7000 |
| Feb 14, 2025 | $0.7000 |
| Aug 14, 2024 | $0.6600 |
| Feb 14, 2024 | $0.6600 |
| Aug 10, 2023 | $0.6300 |
| Feb 14, 2023 | $0.6300 |
| Aug 15, 2022 | $0.6000 |
| Feb 14, 2022 | $0.6000 |
| Aug 19, 2021 | $0.6000 |
| Feb 4, 2021 | $0.5500 |
| Sep 18, 2020 | $0.5500 |
| Mar 31, 2020 | $0.5500 |
| Sep 27, 2019 | $0.5500 |
| Mar 29, 2019 | $0.5000 |
| Oct 5, 2018 | $0.4200 |
| Mar 29, 2018 | $0.3300 |
| Sep 28, 2017 | $0.3300 |
| Mar 30, 2017 | $0.3300 |
| Sep 28, 2016 | $0.3100 |
| Mar 30, 2016 | $0.2900 |
| Sep 28, 2015 | $0.2900 |
| Mar 30, 2015 | $0.2900 |
| Sep 26, 2014 | $0.2700 |