International Bancshares Corporation (IBOC)

NASDAQ: IBOC · Real-Time Price · USD

76.66

-1.02 (-1.31%)

At close: Jul 29, 2026, 4:00 PM EDT

76.66

0.00 (0.00%)

After-hours: Jul 29, 2026, 4:10 PM EDT

International Bancshares Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

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
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%

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
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

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
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

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
Net Cash Flow	-3.52	183.84	-298.41	-1,437	-1,122	1,212

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
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%
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

SEC Filings: 10-K · 10-Q