International Bancshares Corporation (IBOC)

International Bancshares Statistics

Total Valuation

IBOC has a market cap or net worth of $4.22 billion. The enterprise value is $4.27 billion.

Market Cap	4.22B
Enterprise Value	4.27B

Important Dates

The next estimated earnings date is 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 0.09% in one year.

Current Share Class	62.16M
Shares Outstanding	62.16M
Shares Change (YoY)	+0.09%
Shares Change (QoQ)	-0.12%
Owned by Insiders (%)	9.66%
Owned by Institutions (%)	72.93%
Float	55.56M

Valuation Ratios

The trailing PE ratio is 10.27.

PE Ratio	10.27
Forward PE	n/a
PS Ratio	5.22
Forward PS	n/a
PB Ratio	1.40
P/TBV Ratio	1.54
P/FCF Ratio	9.36
P/OCF Ratio	9.03
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	10.37
EV / Sales	5.28
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	9.48

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.74
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.71%.

Return on Equity (ROE)	14.71%
Return on Assets (ROA)	2.58%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$346,166
Profits Per Employee	$176,323
Employee Count	2,336
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, IBOC has paid $95.81 million in taxes.

Income Tax	95.81M
Effective Tax Rate	18.87%

Stock Price Statistics

The stock price has increased by +16.05% in the last 52 weeks. The beta is 0.81, so IBOC's price volatility has been lower than the market average.

Beta (5Y)	0.81
52-Week Price Change	+16.05%
50-Day Moving Average	69.81
200-Day Moving Average	65.71
Relative Strength Index (RSI)	40.25
Average Volume (20 Days)	206,283

Short Selling Information

The latest short interest is 1.09 million, so 1.75% of the outstanding shares have been sold short.

Short Interest	1.09M
Short Previous Month	893,080
Short % of Shares Out	1.75%
Short % of Float	1.96%
Short Ratio (days to cover)	5.45

Income Statement

In the last 12 months, IBOC had revenue of $808.64 million and earned $411.89 million in profits. Earnings per share was $6.61.

Revenue	808.64M
Gross Profit	808.64M
Operating Income	517.04M
Pretax Income	507.70M
Net Income	411.89M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$6.61

Balance Sheet

The company has $731.92 million in cash and $785.46 million in debt, giving a net cash position of -$53.54 million or -$0.86 per share.

Cash & Cash Equivalents	731.92M
Total Debt	785.46M
Net Cash	-53.54M
Net Cash Per Share	-$0.86
Equity (Book Value)	3.02B
Book Value Per Share	48.62
Working Capital	-12.28B

Cash Flow

In the last 12 months, operating cash flow was $467.32 million and capital expenditures -$16.51 million, giving a free cash flow of $450.81 million.

Operating Cash Flow	467.32M
Capital Expenditures	-16.51M
Free Cash Flow	450.81M
FCF Per Share	$7.25

Margins

Gross Margin	n/a
Operating Margin	63.94%
Pretax Margin	62.78%
Profit Margin	50.94%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	55.75%

Dividends & Yields

This stock pays an annual dividend of $1.40, which amounts to a dividend yield of 2.05%.

Dividend Per Share	$1.40
Dividend Yield	2.05%
Dividend Growth (YoY)	6.06%
Years of Dividend Growth	15
Payout Ratio	21.18%
Buyback Yield	-0.08%
Shareholder Yield	1.97%
Earnings Yield	9.76%
FCF Yield	10.68%

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