International Bancshares Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jan '26 Jan 29, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	3,644	3,795	3,050	2,660	2,362	1,937
Market Cap Growth	-9.06%	24.43%	14.67%	12.60%	21.96%	-22.60%
Last Close Price	57.00	59.25	46.86	39.83	33.67	26.22
PE Ratio	10.17	9.60	8.19	9.47	10.58	14.16
PS Ratio	5.20	4.90	4.22	4.35	4.59	4.80
PB Ratio	1.37	1.41	1.38	1.39	1.16	1.09
P/FCF Ratio	9.43	8.54	7.54	7.71	9.55	7.94
P/OCF Ratio	9.17	8.29	7.11	7.33	9.21	7.76
Debt / Equity Ratio	0.25	0.23	0.27	0.28	0.44	0.46
Debt / FCF Ratio	1.73	1.42	1.45	1.56	3.59	3.35
Return on Equity (ROE)	14.31%	15.60%	18.33%	13.79%	11.32%	7.79%
Return on Assets (ROA)	2.59%	2.66%	2.69%	1.90%	1.69%	1.28%
Earnings Yield	9.84%	10.42%	12.21%	10.56%	9.45%	7.06%
FCF Yield	10.61%	11.70%	13.26%	12.97%	10.47%	12.60%
Dividend Yield	2.23%	2.15%	2.43%	2.82%	3.00%	3.43%
Payout Ratio	20.70%	20.06%	19.00%	25.11%	28.68%	41.79%
Buyback Yield / Dilution	-0.01%	-0.12%	0.94%	1.06%	0.57%	2.79%
Total Shareholder Return	2.22%	2.03%	3.37%	3.88%	3.58%	6.22%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.