International Bancshares Corporation (IBOC)

International Bancshares Statistics

Total Valuation

IBOC has a market cap or net worth of $4.31 billion. The enterprise value is $4.50 billion.

Market Cap	4.31B
Enterprise Value	4.50B

Important Dates

The last earnings date was Thursday, November 6, 2025.

Earnings Date	Nov 6, 2025
Ex-Dividend Date	Aug 15, 2025

Share Statistics

IBOC has 62.16 million shares outstanding. The number of shares has increased by 0.01% in one year.

Current Share Class	62.16M
Shares Outstanding	62.16M
Shares Change (YoY)	+0.01%
Shares Change (QoQ)	+0.02%
Owned by Insiders (%)	9.66%
Owned by Institutions (%)	73.25%
Float	55.57M

Valuation Ratios

The trailing PE ratio is 10.25.

PE Ratio	10.25
Forward PE	n/a
PS Ratio	5.24
Forward PS	n/a
PB Ratio	1.38
P/TBV Ratio	1.51
P/FCF Ratio	9.50
P/OCF Ratio	9.24
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	10.70
EV / Sales	5.48
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	9.93

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.73
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.31%.

Return on Equity (ROE)	14.31%
Return on Assets (ROA)	2.59%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$351,762
Profits Per Employee	$180,006
Employee Count	2,336
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, IBOC has paid $96.73 million in taxes.

Income Tax	96.73M
Effective Tax Rate	18.70%

Stock Price Statistics

The stock price has decreased by -4.51% in the last 52 weeks. The beta is 0.77, so IBOC's price volatility has been lower than the market average.

Beta (5Y)	0.77
52-Week Price Change	-4.51%
50-Day Moving Average	66.99
200-Day Moving Average	65.99
Relative Strength Index (RSI)	61.55
Average Volume (20 Days)	228,908

Short Selling Information

The latest short interest is 1.18 million, so 1.89% of the outstanding shares have been sold short.

Short Interest	1.18M
Short Previous Month	1.03M
Short % of Shares Out	1.89%
Short % of Float	2.12%
Short Ratio (days to cover)	4.93

Income Statement

In the last 12 months, IBOC had revenue of $821.72 million and earned $420.49 million in profits. Earnings per share was $6.76.

Revenue	821.72M
Gross Profit	821.72M
Operating Income	527.04M
Pretax Income	517.22M
Net Income	420.49M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$6.76

Balance Sheet

The company has $589.32 million in cash and $783.63 million in debt, giving a net cash position of -$194.31 million or -$3.13 per share.

Cash & Cash Equivalents	589.32M
Total Debt	783.63M
Net Cash	-194.31M
Net Cash Per Share	-$3.13
Equity (Book Value)	3.13B
Book Value Per Share	50.32
Working Capital	-12.45B

Cash Flow

In the last 12 months, operating cash flow was $466.00 million and capital expenditures -$12.53 million, giving a free cash flow of $453.47 million.

Operating Cash Flow	466.00M
Capital Expenditures	-12.53M
Free Cash Flow	453.47M
FCF Per Share	$7.29

Margins

Gross Margin	n/a
Operating Margin	64.14%
Pretax Margin	62.94%
Profit Margin	51.17%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	55.19%

Dividends & Yields

This stock pays an annual dividend of $1.40, which amounts to a dividend yield of 2.03%.

Dividend Per Share	$1.40
Dividend Yield	2.03%
Dividend Growth (YoY)	6.06%
Years of Dividend Growth	15
Payout Ratio	20.71%
Buyback Yield	-0.01%
Shareholder Yield	2.01%
Earnings Yield	9.76%
FCF Yield	10.53%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 17, 2007. It was a forward split with a ratio of 1.1:1.

Last Split Date	May 17, 2007
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4