International Bancshares Corporation (IBOC)

International Bancshares Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	419.36	412.29	409.17	411.77	300.23	253.92
Depreciation & Amortization	25.14	23.35	22.52	21.94	21.82	25.03
Gain (Loss) on Sale of Assets	0	0.5	-0.2	-7.57	-5.21	0.43
Gain (Loss) on Sale of Investments	-2.27	-0.24	2.56	4.93	12.84	35.82
Total Asset Writedown	0.04	1.3	0.63	2.54	1.63	2.66
Provision for Credit Losses	21.29	15.09	31.8	34.58	21.65	7.96
Accrued Interest Receivable	-5.49	-0.26	-6.87	-19.52	-15.19	7.29
Change in Other Net Operating Assets	26.16	30.36	32.95	3.46	54.99	19.7
Other Operating Activities	13.72	14.07	-11.47	22.95	10.62	6.41
Operating Cash Flow	481.62	491.06	473.95	474.43	387.94	291.68
Operating Cash Flow Growth	3.35%	3.61%	-0.10%	22.30%	33.00%	-4.41%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-17.91	-18.12	-14.15	-27.5	-19.21	-10.39
Sale of Property, Plant and Equipment	0.05	0.02	0.87	0.27	13.5	11.45
Investment in Securities	-396.7	60.22	-193.08	-428.07	-775.83	-1,298
Income (Loss) Equity Investments	-16.39	-5.5	-7.36	-0.98	-15.89	-68.03
Net Decrease (Increase) in Loans Originated / Sold - Investing	-317.94	-664.75	-812.48	-632.98	-228.34	309.58
Other Investing Activities	54.99	21.9	32.01	12.18	8.89	63.36
Investing Cash Flow	-671.27	-591.69	-985.06	-1,067	-992.03	-915.89

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	50.22	4.91	99.23	-	11.52
Total Debt Issued	21.66	50.22	4.91	99.23	-	11.52
Short-Term Debt Repaid	-	-	-	-	-8.48	-
Long-Term Debt Repaid	-	-0.21	-0.2	-25.97	-425.19	-0.19
Total Debt Repaid	-0.05	-0.21	-0.2	-25.97	-433.68	-0.19
Net Debt Issued (Repaid)	21.61	50.01	4.7	73.25	-433.68	11.34
Issuance of Common Stock	1.32	1.47	3.76	1.17	1.54	2.41
Repurchase of Common Stock	-0.74	-4.61	-0.96	-4.61	-52.05	-0.72
Common Dividends Paid	-90.79	-87.06	-82.08	-78.25	-75.38	-72.84
Net Increase (Decrease) in Deposit Accounts	427.96	324.66	287.29	-835.45	42.13	1,896
Financing Cash Flow	359.36	284.47	212.71	-843.89	-517.43	1,836

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	169.71	183.84	-298.41	-1,437	-1,122	1,212

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	463.71	472.94	459.8	446.94	368.73	281.29
Free Cash Flow Growth	2.26%	2.86%	2.88%	21.21%	31.08%	-5.74%
Free Cash Flow Margin	54.64%	57.18%	57.34%	55.95%	56.46%	48.03%
Free Cash Flow Per Share	7.45	7.60	7.38	7.18	5.87	4.43

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	216.6	216.6	201.83	117.94	36.36	29.01
Cash Income Tax Paid	69.67	69.67	51.1	70.64	22.12	47.39

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 5, 2026

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