International Bancshares Corporation (IBOC)

NASDAQ: IBOC · Real-Time Price · USD

69.49

-0.45 (-0.65%)

Sep 28, 2026, 9:56 AM EDT - Market open

International Bancshares Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Revenue	837.57	827.08	801.84	798.87	653.11	585.64
Revenue Growth	3.58%	3.15%	0.37%	22.32%	11.52%	18.77%
Net Income	413.26	412.29	409.17	411.77	300.23	253.92
Earnings Per Share	6.64	6.62	6.57	6.62	4.78	4.00
EPS Growth	0.45%	0.76%	-0.76%	38.49%	19.50%	52.67%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Cash & Investments	451.16	536.49	352.65	651.06	2,088	3,209
Total Debt	731.02	714.49	654.73	650.03	576.78	1,010
Net Cash (Debt)	-279.86	-178	-302.08	1.03	1,511	2,199
Net Cash Growth	-	-	-	-99.93%	-31.28%	120.29%
Net Cash Per Share	-4.50	-2.86	-4.85	0.02	24.06	34.63

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Operating Cash Flow	470.05	491.06	473.95	474.43	387.94	291.68
Capital Expenditures	-17.23	-18.12	-14.15	-27.5	-19.21	-10.39
Free Cash Flow	452.82	472.94	459.8	446.94	368.73	281.29
Free Cash Flow Growth	0.45%	2.86%	2.88%	21.21%	31.08%	-5.74%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Profit Margin	49.34%	49.85%	51.03%	51.54%	45.97%	43.36%
FCF Margin	54.06%	57.18%	57.34%	55.95%	56.46%	48.03%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 28, 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
Dividend Per Share	1.460	1.400	1.320	1.260	1.200	1.150
Dividend Per Share Growth	4.29%	6.06%	4.76%	5.00%	4.35%	4.54%
Dividend Yield	2.10%	2.15%	2.18%	2.48%	2.88%	3.06%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 28, 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
PE Ratio	10.47	10.02	9.60	8.19	9.47	10.58
Forward PE	10.71	9.96	15.36	15.36	15.36	15.36
P/FCF Ratio	9.61	8.73	8.54	7.54	7.71	9.55
PS Ratio	5.19	4.99	4.90	4.22	4.35	4.59