International Bancshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	676.83	672.42	656.72	663.5	487.63	371.27
Net Interest Income Growth	3.44%	2.39%	-1.02%	36.07%	31.34%	-4.28%
Non-Interest Income	175.58	169.75	176.92	169.94	187.13	222.33
Non-Interest Income Growth	2.27%	-4.05%	4.11%	-9.19%	-15.83%	47.65%
Revenues Before Loan Losses	852.41	842.17	833.64	833.44	674.76	593.6
Provision for Credit Losses	14.79	15.09	31.8	34.58	21.65	7.96
Revenue	837.62	827.08	801.84	798.87	653.11	585.64
Revenue Growth (YoY)	4.20%	3.15%	0.37%	22.32%	11.52%	18.77%
Compensation Expenses	153.86	153.34	145.94	134.44	127.72	123.48
Selling, General & Admin	71.41	71.21	70.12	64.89	56.81	55.9
Other Non-Interest Expenses	83.72	82.17	77.06	76.03	85.94	83.94
Total Non-Interest Expense	308.99	306.72	293.12	275.35	270.47	263.32
Pretax Income	528.63	520.36	508.72	523.51	382.64	322.33
Provision for Income Taxes	111.04	108.07	99.55	111.74	82.41	68.41
Net Income	417.59	412.29	409.17	411.77	300.23	253.92
Net Income to Common	417.59	412.29	409.17	411.77	300.23	253.92
Net Income Growth	2.17%	0.76%	-0.63%	37.15%	18.24%	51.76%
Shares Outstanding (Basic)	62	62	62	62	63	63
Shares Outstanding (Diluted)	62	62	62	62	63	63
Shares Change (YoY)	-0.10%	-0.07%	0.12%	-0.94%	-1.06%	-0.57%
EPS (Basic)	6.71	6.63	6.58	6.63	4.79	4.01
EPS (Diluted)	6.70	6.62	6.57	6.62	4.78	4.00
EPS Growth	1.98%	0.76%	-0.76%	38.49%	19.50%	52.67%
Shares Outstanding	62.18	62.17	62.21	62.08	62.14	63.37
Free Cash Flow	455.9	472.94	459.8	446.94	368.73	281.29
Free Cash Flow Growth	-3.60%	2.86%	2.88%	21.21%	31.08%	-5.74%
Free Cash Flow Per Share	7.32	7.60	7.38	7.18	5.87	4.43
Dividends Per Share	1.400	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%	49.85%	51.03%	51.54%	45.97%	43.36%
FCF Margin	54.43%	57.18%	57.34%	55.95%	56.46%	48.03%
EBITDA	28.17	27.82	28.08	28.85	35.73	61.41
EBITDA Margin	3.36%	3.36%	3.50%	3.61%	5.47%	10.49%
Effective Tax Rate	21.01%	20.77%	19.57%	21.35%	21.54%	21.22%

Updated May 7, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q