International Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	672.42	656.72	663.5	487.63	371.27
Net Interest Income Growth	2.39%	-1.02%	36.07%	31.34%	-4.28%
Non-Interest Income	169.75	176.92	169.94	187.13	222.33
Non-Interest Income Growth	-4.05%	4.11%	-9.19%	-15.83%	47.65%
Revenues Before Loan Losses	842.17	833.64	833.44	674.76	593.6
Provision for Credit Losses	15.09	31.8	34.58	21.65	7.96
Revenue	827.08	801.84	798.87	653.11	585.64
Revenue Growth (YoY)	3.15%	0.37%	22.32%	11.52%	18.77%
Compensation Expenses	153.34	145.94	134.44	127.72	123.48
Selling, General & Admin	71.21	70.12	64.89	56.81	55.9
Other Non-Interest Expenses	82.17	77.06	76.03	85.94	83.94
Total Non-Interest Expense	306.72	293.12	275.35	270.47	263.32
Pretax Income	520.36	508.72	523.51	382.64	322.33
Provision for Income Taxes	108.07	99.55	111.74	82.41	68.41
Net Income	412.29	409.17	411.77	300.23	253.92
Net Income to Common	412.29	409.17	411.77	300.23	253.92
Net Income Growth	0.76%	-0.63%	37.15%	18.24%	51.76%
Shares Outstanding (Basic)	62	62	62	63	63
Shares Outstanding (Diluted)	62	62	62	63	63
Shares Change (YoY)	-0.07%	0.12%	-0.94%	-1.06%	-0.57%
EPS (Basic)	6.63	6.58	6.63	4.79	4.01
EPS (Diluted)	6.62	6.57	6.62	4.78	4.00
EPS Growth	0.76%	-0.76%	38.49%	19.50%	52.67%
Free Cash Flow	472.94	459.8	446.94	368.73	281.29
Free Cash Flow Growth	2.86%	2.88%	21.21%	31.08%	-5.74%
Free Cash Flow Per Share	7.60	7.38	7.18	5.87	4.43
Dividends Per Share	1.400	1.320	1.260	1.200	1.150
Dividend Growth	6.06%	4.76%	5.00%	4.35%	4.54%
Profit Margin	49.85%	51.03%	51.54%	45.97%	43.36%
FCF Margin	57.18%	57.34%	55.95%	56.46%	48.03%
EBITDA	27.82	28.08	28.85	35.73	61.41
EBITDA Margin	3.36%	3.50%	3.61%	5.47%	10.49%
Effective Tax Rate	20.77%	19.57%	21.35%	21.54%	21.22%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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