International Bancshares Corporation (IBOC)

International Bancshares Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	417.59	412.29	409.17	411.77	300.23	253.92
Depreciation & Amortization	28.17	27.82	28.08	28.85	35.73	61.41
Provision for Credit Losses	14.79	15.09	31.8	34.58	21.65	7.96
Stock-Based Compensation	0.08	0.1	0.21	0.33	0.45	0.51
Other Adjustments	4.46	5.64	-21.39	14.97	-9.92	-59.1
Changes in Accrued Interest and Accounts Receivable	-3.34	-0.26	-6.87	-19.52	-15.19	7.29
Changes in Other Operating Activities	9.58	30.36	32.95	3.46	54.99	19.7
Operating Cash Flow	471.32	491.06	473.95	474.43	387.94	291.68
Operating Cash Flow Growth	-1.61%	3.61%	-0.10%	22.30%	33.00%	-4.41%
Net Change in Loans Held-for-Investment	-582.93	-664.75	-812.48	-632.98	-228.34	309.58
Net Change in Securities and Investments	40.73	82.12	-161.07	-415.89	-766.94	-1,235
Capital Expenditures	-15.43	-18.12	-14.15	-27.5	-19.21	-10.39
Sale of Property, Plant & Equipment	9.47	9.06	2.63	9.16	22.47	19.72
Investing Cash Flow	-548.16	-591.69	-985.06	-1,067	-992.03	-915.89
Net Change in Deposits	170.64	324.66	287.29	-835.45	42.13	1,896
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	14.9	50.22	4.91	99.23	-8.48	11.52
Net Short-Term Debt Issued (Repaid)	-20.21	-0.21	-0.2	-0.2	-425.19	-0.19
Long-Term Debt Repaid	0.16	-	-	-25.77	-	-
Net Long-Term Debt Issued (Repaid)	0.16	-	-	-25.77	-	-
Issuance of Common Stock	1.56	1.47	3.76	1.17	1.54	2.41
Repurchase of Common Stock	-4.67	-4.61	-0.96	-4.61	-52.05	-0.72
Net Common Stock Issued (Repurchased)	-3.11	-3.14	2.8	-3.44	-50.51	1.7
Common Dividends Paid	-88.9	-87.06	-82.08	-78.25	-75.38	-72.84
Financing Cash Flow	73.32	284.47	212.71	-843.89	-517.43	1,836
Net Cash Flow	-3.52	183.84	-298.41	-1,437	-1,122	1,212
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%
FCF Margin	54.43%	57.18%	57.34%	55.95%	56.46%	48.03%
Free Cash Flow Per Share	7.32	7.60	7.38	7.18	5.87	4.43
Levered Free Cash Flow	416.52	451.89	448.97	371.09	-68.65	331.74
Unlevered Free Cash Flow	18.99	39.81	40.01	-14.71	56.31	78.01

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

SEC Filings: 10-K · 10-Q