International Bancshares Corporation (IBOC)

International Bancshares Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	411.89	409.17	411.77	300.23	253.92	167.32
Depreciation & Amortization	22.28	22.52	21.94	21.82	25.03	28.32
Gain (Loss) on Sale of Assets	0.9	-0.2	-7.57	-5.21	0.43	-0.93
Gain (Loss) on Sale of Investments	0.66	2.56	4.93	12.84	35.82	38.44
Total Asset Writedown	0.64	0.63	2.54	1.63	2.66	1.54
Provision for Credit Losses	17.78	31.8	34.58	21.65	7.96	45.38
Accrued Interest Receivable	-3.12	-6.87	-19.52	-15.19	7.29	-1.26
Change in Other Net Operating Assets	38.38	32.95	3.46	54.99	19.7	28.64
Other Operating Activities	-17.94	-11.47	22.95	10.62	6.41	-3.12
Operating Cash Flow	467.32	473.95	474.43	387.94	291.68	305.13
Operating Cash Flow Growth	-4.45%	-0.10%	22.30%	33.00%	-4.41%	-2.06%
Capital Expenditures	-16.51	-14.15	-27.5	-19.21	-10.39	-6.73
Sale of Property, Plant and Equipment	0.31	0.87	0.27	13.5	11.45	0.9
Investment in Securities	-41.35	-193.08	-428.07	-775.83	-1,298	237.79
Income (Loss) Equity Investments	-4.31	-7.36	-0.98	-15.89	-68.03	0.07
Net Decrease (Increase) in Loans Originated / Sold - Investing	-909.98	-812.48	-632.98	-228.34	309.58	-647.21
Other Investing Activities	26.09	32.01	12.18	8.89	63.36	64.86
Investing Cash Flow	-937.25	-985.06	-1,067	-992.03	-915.89	-343.71
Short-Term Debt Issued	-	4.91	99.23	-	11.52	191.61
Total Debt Issued	54.46	4.91	99.23	-	11.52	191.61
Short-Term Debt Repaid	-	-	-	-8.48	-	-
Long-Term Debt Repaid	-	-0.2	-25.97	-425.19	-0.19	-190.18
Total Debt Repaid	-0.1	-0.2	-25.97	-433.68	-0.19	-190.18
Net Debt Issued (Repaid)	54.36	4.7	73.25	-433.68	11.34	1.43
Issuance of Common Stock	1.9	3.76	1.17	1.54	2.41	0.54
Repurchase of Common Stock	-5.01	-0.96	-4.61	-52.05	-0.72	-48.88
Common Dividends Paid	-84.6	-82.08	-78.25	-75.38	-72.84	-69.93
Net Increase (Decrease) in Deposit Accounts	443.04	287.29	-835.45	42.13	1,896	1,896
Financing Cash Flow	409.69	212.71	-843.89	-517.43	1,836	1,779
Net Cash Flow	-60.25	-298.41	-1,437	-1,122	1,212	1,740
Free Cash Flow	450.81	459.8	446.94	368.73	281.29	298.41
Free Cash Flow Growth	-2.55%	2.88%	21.21%	31.08%	-5.74%	5.83%
Free Cash Flow Margin	55.75%	57.34%	55.95%	56.46%	48.03%	60.52%
Free Cash Flow Per Share	7.24	7.38	7.18	5.87	4.43	4.67
Cash Interest Paid	214.76	201.83	117.94	36.36	29.01	41.98
Cash Income Tax Paid	64.04	51.24	69.8	22.12	47.39	34.83

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q