International Bancshares Corporation (IBOC)

NASDAQ: IBOC · Real-Time Price · USD

76.99

-0.69 (-0.89%)

Jul 29, 2026, 3:15 PM 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	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
Revenue	837.62	827.08	801.84	798.87	653.11	585.64
Revenue Growth	4.20%	3.15%	0.37%	22.32%	11.52%	18.77%
Net Income	417.59	412.29	409.17	411.77	300.23	253.92
Earnings Per Share	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%

Cash & Debt

Fiscal Year	Current	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
Cash & Equivalents	585.94	536.49	352.65	651.06	2,088	3,209
Total Debt	108.87	108.87	108.87	108.87	134.64	134.64
Net Cash (Debt)	-108.87	-108.87	-108.87	-108.87	-134.64	-134.64
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-1.75	-1.75	-1.75	-1.75	-2.14	-2.12

Cash Flow & CapEx

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
Operating Cash Flow	471.32	491.06	473.95	474.43	387.94	291.68
Capital Expenditures	-15.43	-18.12	-14.15	-27.5	-19.21	-10.39
Free Cash Flow	455.9	472.94	459.8	446.94	368.73	281.29
Free Cash Flow Growth	-1.75%	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	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
Pretax Margin	63.11%	62.92%	63.44%	65.53%	58.59%	55.04%
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%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 29, 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	5.15%	6.06%	4.76%	5.00%	4.35%	4.54%
Dividend Yield	1.89%	2.11%	2.09%	2.32%	2.63%	2.71%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 29, 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	11.55	10.04	9.61	8.21	9.57	10.60
Forward PE	11.90	9.96	15.36	15.36	15.36	15.36
P/FCF Ratio	10.57	8.73	8.55	7.54	7.71	9.55
PS Ratio	5.75	4.99	4.90	4.22	4.35	4.59