International Bancshares Corporation IBOC

69.94 0.55 0.79% as of 25 Sep
Market cap
$4.3B
P/E
10.5×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 0.72
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — 1 — — — —
Insider Ownership 13.05%

Capital & Financial Ratios

Market Cap 4,320.00
Revenue 1,064.31
Net Income 413.26
Free Cash Flow 452.88
Net Debt (332.06)
Current Ratio 0.77
Debt/Equity 0.04
P/E ratio 10.53
P/S ratio 4.09
P/B ratio 1.29
Past 5Y EPS Growth 16.03%
This Y EPS Growth (3.47%)
Next Y EPS Growth 5.63%
Next 5Y EPS Growth 3.08%
in millions of $

Dividends

Payout Ratio 0.20
Annual Dividend Rate 1.26
Annual Dividend Yield 2.39%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.46
0.73
0.73
2025 1.40
0.70
0.70
2024 1.32
0.66
0.66
2023 1.26
0.63
0.63
2022 1.20
0.60
0.60
2021 1.15
0.55
0.60
2020 1.10
0.55
0.55
2019 1.05
0.50
0.55
2018 0.75
0.33
0.42
2017 0.66
0.33
0.33
2016 0.60
0.29
0.31
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 651 353 536 451
Receivables — — — —
Inventory — — — —
Other — — — —
8,618 9,078 9,910 10,222
2023 2024 2025 Q'26
Payables 11,825 12,112 12,437 12,736
ST’ Debt — — — —
Other — — — —
12,355 12,647 13,022 13,348
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 6.69% 12.83% 13.99%
Cash Flow 9.20% 9.98% 8.17%
Earnings 11.67% 19.77% 11.15%
Book Value 6.92% 8.35% 16.72%

Revenue

Mar Jun Sep Dec Year
’26 257 264 — — —
’25 252 262 273 270 1,056
’24 254 259 266 263 1,043
’23 229 236 250 256 970
’22 140 153 200 220 713
’21 134 196 148 142 620
’20 152 147 140 138 578
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 121 94 — — —
’25 140 95 115 140 491
’24 135 107 116 115 474
’23 143 85 114 133 474
’22 79 88 121 99 388
’21 96 70 58 67 292
’20 57 80 78 90 305
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 116 89 — — —
’25 133 92 112 136 473
’24 129 105 110 117 461
’23 138 80 105 124 447
’22 83 86 119 94 382
’21 94 69 57 73 293
’20 54 78 77 90 299
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 1.64 1.54 — — —
’25 1.56 1.61 1.74 1.71 6.62
’24 1.56 1.56 1.60 1.85 6.57
’23 1.63 1.62 1.66 1.71 6.62
’22 0.84 0.92 1.34 1.69 4.78
’21 0.80 1.45 0.86 0.89 4.00
’20 0.53 0.65 0.68 0.76 2.62
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
21.05 32.50 32.56 32.04 15.60 35.92 38.00 39.10 48.85 54.11

Analyst estimates 2026–2028

Powerpack
Low Price
42.25 42.90 47.95 44.00 43.60 53.06 53.71 54.72 76.91 73.66
High Price
3,216 3,273 3,390 3,314 2,456 2,261 2,169 2,200 2,336 2,319
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
550 566 631 647 578 620 713 970 1,043 1,056
Revenue
92.15% 93.12% 91.65% 90.94% 93.23% 95.68% 94.65% 85.91% 79.93% 79.75%
Gross Margin
197 222 273 260 212 322 383 524 509 520
EBT
35.84% 39.19% 43.21% 40.16% 36.66% 51.95% 53.67% 53.96% 48.78% 49.28%
EBT Margin
134 157 216 205 167 254 300 412 409 412
Net Income
51 49 46 48 67 61 34 27 25 23
Depreciation
8.33 8.56 9.54 9.88 9.06 9.79 11.38 15.63 16.77 16.99
Revenue/Sh
2.03 2.38 3.27 3.13 2.63 4.01 4.79 6.63 6.58 6.63
Earnings/Sh
3.08 2.98 3.48 4.76 4.79 4.60 6.19 7.64 7.62 7.90
Cash Flow/Sh
(0.53) (0.18) (0.26) (0.42) (0.09) 0.02 (0.09) (0.44) (0.21) (0.29)
Capex/Sh
2.55 2.80 3.22 4.33 4.70 4.62 6.10 7.20 7.41 7.61
Free CF/Sh
26.14 27.84 29.34 32.35 34.18 36.44 32.63 39.43 44.98 52.30
Book Value/Sh
66 66 66 65 64 63 63 62 62 62
Shares
20.14 16.67 10.52 13.76 14.13 10.59 9.43 8.13 9.60 10.02
PE Ratio
4.90 4.60 3.60 4.36 4.13 4.33 3.97 3.45 3.77 3.91
PS Ratio
1.56 1.41 1.17 1.33 1.10 1.16 1.38 1.37 1.40 1.27
PB Ratio
6.03 6.52 4.48 5.14 1.66 0.08 1.24 2.90 3.54 3.52
EV/Sales
19.73 19.97 13.26 11.71 3.21 0.16 2.32 6.30 8.02 7.85
EV/FCF
203 197 230 312 305 292 388 474 474 491
Op' Cash Flow
(35) (12) (17) (28) (6) 1 (6) (27) (13) (18)
Capex
168 185 213 284 299 293 382 447 461 473
FCF
(2,914) (2,318) (2,073) (1,934) (1,682) (2,719) (3,653) (3,737) (3,569) (3,112)
Working Cap'
894 1,356 866 761 571 571 146 120 119 119
Total Debt
625 1,090 549 504 (1,426) (2,638) (1,942) (531) (233) (417)
Net Debt
1,725 1,839 1,940 2,118 2,178 2,308 2,045 2,448 2,797 3,252
Sh' Equity
1.14% 1.31% 1.80% 1.71% 1.28% 1.69% 1.90% 2.69% 2.66% 2.55%
ROA
5.25% 4.73% 6.85% 6.20% 17.61% 0.00% 233.04% 17.07% 12.40% 11.47%
ROIC
7.90% 8.84% 11.43% 10.11% 7.79% 11.32% 13.79% 18.33% 15.60% 13.63%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

International Bancshares Corporation peers in Banks Regional

All 325 Banks Regional stocks →

International Bancshares Corporation (IBOC) key facts

  • International Bancshares Corporation (IBOC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • International Bancshares Corporation’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 1.26% from fiscal 2024.
  • Net income was $412.3 million, or $6.63 per share (basic), a net margin of 39.0%.
  • As of September 25, 2026, IBOC traded at $69.94, a market capitalization of $4.3 billion.
  • At that price the stock trades at 10.5× trailing-twelve-month earnings and 4.1× sales.
  • International Bancshares Corporation pays an annual dividend of $1.26 per share, a yield of 2.39%, with a payout ratio of 19.6%.
  • Return on equity was 13.6% and debt-to-equity 0.04.

Source: company filings (standardised) and stockrow calculations.

International Bancshares Corporation (IBOC) Latest News

News by impact score

Fine-tune

6 Aug

3

International Bancshares Corporation reported strong earnings for the first six months of 2026. Strong half-year earnings support improved financial performance and investor sentiment.

7 May

4

International Bancshares Corporation (IBOC) reported strong earnings for the first quarter of 2026. Strong Q1 2026 earnings indicate robust financial performance, likely boosting IBOC's investor sentiment and stock trajectory.

26 Feb

4

International Bancshares Corporation (IBOC) reported strong earnings for 2025. Strong earnings directly enhance financial performance and investor sentiment for IBOC.

3

International Bancshares Corporation (IBOC) released Q4 earnings snapshot highlighting financial results. Q4 earnings snapshot impacts financial performance and investor sentiment but remains quarterly without transformative shifts.

8 Feb

3

International Bancshares Corporation (IBOC) is set to distribute a dividend of US$0.73, reflecting its strong financial position and commitment to returning value to shareholders. The upcoming dividend is seen as a positive indicator of the company's stability and growth potential, attracting investor interest. Analysts highlight the favorable aspects of IBOC's financial health, suggesting that the dividend could enhance market sentiment and support the stock's performance. The upcoming dividend is expected to positively influence investor sentiment and financial performance, but its overall effect is likely to be limited.

5 Feb

4

International Bancshares Corporation (IBOC) has announced an increase in its quarterly dividend to $0.73 per share, reflecting the company's commitment to returning value to shareholders. This decision underscores IBOC's strong financial position and confidence in its ongoing profitability. Increasing the dividend signals financial strength and can positively influence investor sentiment and stock performance.

2 Feb

4

International Bancshares Corporation (IBOC) has announced an increase in its cash dividend, reflecting the company's strong financial performance and commitment to returning value to shareholders. The new dividend rate is expected to enhance investor confidence and attract more interest in the stock. The increase in cash dividend is a significant move that can positively influence investor sentiment and the company's market performance.

5 Dec

3

International Bancshares Corporation (IBOC) has experienced five-year earnings growth that lags behind the 17% year-over-year returns for shareholders. This disparity raises concerns about the company's ability to sustain investor interest and growth momentum in a competitive banking landscape. Earnings growth trailing shareholder returns may moderately influence investor sentiment and financial performance.

8 Nov

4

International Bancshares Corporation (IBOC) has demonstrated strong earnings growth, meeting key performance indicators that suggest a positive trajectory for the company. The financial results indicate robust operational efficiency and a solid market position, which could enhance investor confidence and attract further interest in the stock. Analysts highlight the company's strategic initiatives and effective management as critical factors contributing to its success in a competitive landscape. Strong earnings growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.

6 Nov

4

International Bancshares Corporation (IBOC) reported its Q3 earnings, showcasing a notable increase in net income compared to the previous year. The bank's earnings per share exceeded analysts' expectations, driven by growth in net interest income and a reduction in non-performing loans. The results reflect the company's strong financial position and effective management strategies amid a challenging economic environment. IBOC's performance indicates resilience and potential for continued growth in the banking sector. The significant increase in net income and earnings per share suggests a strong financial performance that could positively influence investor sentiment and the company's future trajectory.

4

International Bancshares Corporation (IBOC) reported strong earnings for the third quarter of 2025, showcasing significant growth in net income and improved efficiency ratios. The bank attributed its success to increased loan demand and effective cost management strategies. Additionally, IBOC's asset quality remained stable, with a low level of non-performing loans. The positive financial results reflect the company's robust operational performance and strategic initiatives aimed at enhancing shareholder value. Strong earnings growth and improved efficiency ratios indicate significant positive momentum for the company's future performance.

4 Oct

3

International Bancshares Corporation (NASDAQ: IBOC) is predominantly controlled by institutional shareholders, who collectively own 73% of the company. This significant ownership stake indicates a strong influence of institutional investors on the company's strategic decisions and governance. The high level of institutional ownership may moderately influence the company's strategic direction and market sentiment.

10 Aug

4

International Bancshares Corporation (IBOC) is set to announce its upcoming dividend, which has garnered positive attention from investors. The company has a history of consistent dividend payments, reflecting its strong financial health and commitment to returning value to shareholders. Analysts highlight the importance of dividends in attracting long-term investors, and IBOC's stable performance positions it favorably in the market. The anticipated dividend is expected to reinforce investor confidence and support the stock's appeal. The upcoming dividend announcement is likely to significantly influence investor sentiment and the company's market performance.

7 Aug

4

International Bancshares Corporation (IBOC) reported its Q2 earnings, showcasing a notable increase in net income compared to the previous year. The bank's total assets and deposits also saw significant growth, reflecting strong operational performance. The earnings per share exceeded analysts' expectations, contributing to positive market sentiment. Management highlighted strategic initiatives aimed at enhancing customer experience and expanding market reach, which are expected to drive future growth. The significant increase in net income and strategic initiatives indicate a likely positive shift in the company's trajectory and investor sentiment.

4

International Bancshares Corporation (IBOC) reported strong earnings for the first half of 2025, showcasing significant growth in net income and improved financial metrics. The bank's performance was driven by increased loan demand and effective cost management strategies. IBOC's robust results reflect its solid market position and commitment to delivering value to shareholders. Strong earnings growth and improved financial metrics indicate a significant positive shift in the company's performance and market position.

1 Aug

3

International Bancshares Corporation (IBOC) has announced a cash dividend of $0.40 per share, payable on December 15, 2023, to shareholders of record as of December 1, 2023. This decision reflects the company's commitment to returning value to its shareholders and is part of its ongoing strategy to maintain a strong financial position. The dividend announcement indicates a stable financial position but does not significantly alter the company's overall trajectory.

3

International Bancshares Corporation (NASDAQ: IBOC) declared a 66 cents per share cash dividend for shareholders of record, citing strong financial results and capital position. The cash dividend declaration is expected to moderately influence IBOC's future financial performance and shareholder value.

21 Jun

3

International Bancshares Corporation (NASDAQ:IBOC) has seen its stock price increase by 112% over the past five years, with earnings per share (EPS) growing at 18% annually. The total shareholder return (TSR) over the same period is 143%, largely due to dividend payments. In the last year, shareholders experienced a TSR of 17%, with a five-year annual TSR of 19%. The article emphasizes the importance of considering both share price and dividends when evaluating investment returns. The growth in EPS and total shareholder return indicates a moderately noticeable influence on the company's financial performance and market sentiment.

5 May

4

International Bancshares Corporation (IBOC) reported strong earnings for the recent quarter, showcasing significant growth in net income and improved efficiency ratios. The bank's performance was driven by increased loan demand and effective cost management strategies. IBOC's robust financial results reflect its solid market position and commitment to shareholder value, leading to positive investor sentiment. Strong earnings growth and improved efficiency ratios indicate significant positive momentum for the company's future performance.

3

International Bancshares Corp. (IBOC) reported a net income of $96.9 million for its first quarter, translating to earnings of $1.56 per share. The Laredo, Texas-based bank's revenue reached $251.6 million, with revenue net of interest expense at $198.2 million, surpassing analysts' expectations. The reported earnings and revenue exceeding forecasts indicate a moderately noticeable influence on financial performance.

11 Apr

3

International Bancshares Corporation (IBOC) has 72% institutional ownership, indicating that institutional investors significantly influence the stock's price. The top 10 shareholders control 52% of the company, with BlackRock, Inc. being the largest at 11%. While institutional ownership is generally seen as positive, it poses risks if multiple institutions sell simultaneously. Insider ownership is also notable, valued at $336 million, which is viewed positively. The general public holds an 18% stake, allowing them some influence over company operations. Analyst coverage is lacking, suggesting limited awareness of the stock. Institutional ownership and insider stakes indicate potential influence on company performance, but lack of analyst coverage limits broader market impact.

27 Feb

4

International Bancshares Corporation (IBOC) reported its Q4 earnings, showcasing a notable increase in net income compared to the previous year. The bank's earnings per share exceeded analysts' expectations, driven by growth in net interest income and a reduction in non-performing loans. The company also highlighted its commitment to maintaining strong capital ratios and improving operational efficiency. Overall, the results reflect a positive trajectory for IBOC amidst a competitive banking environment. The significant increase in net income and improved operational metrics indicate a strong performance that could positively influence investor sentiment and the company's future trajectory.

4

International Bancshares Corporation (IBOC) reported strong earnings for the year 2024, showcasing significant growth in net income and improved financial metrics. The company attributed its success to effective management strategies and a favorable economic environment. Key performance indicators, including return on assets and return on equity, demonstrated robust performance, positioning IBOC favorably in the competitive banking sector. Analysts expressed optimism about the bank's future prospects, citing its solid foundation and strategic initiatives aimed at enhancing customer service and expanding market reach. Strong earnings growth and positive financial metrics indicate significant potential for future performance and investor sentiment.

6 Feb

4

International Bancshares Corporation (IBOC) has announced an increase in its dividend payout compared to the previous year, signaling a positive trend in its financial health and commitment to returning value to shareholders. The increase in dividend payout indicates strong financial performance and could significantly enhance investor sentiment and market positioning.

3 Feb

3

International Bancshares Corporation (IBOC) announced a cash dividend of $0.70 per share, a 6% increase from the previous dividend, approved by the Board of Directors on January 31, 2025. Shareholders of record as of February 14, 2025, will receive the dividend on February 28, 2025. President Dennis E. Nixon attributed the dividend increase to the company's strong financial performance, capital position, and over fifty-eight years of positive earnings. IBC is a multi-bank financial holding company based in Laredo, Texas, with approximately $15.9 billion in total assets and a network of facilities and ATMs in Texas and Oklahoma. The dividend increase reflects solid financial performance, which may positively influence investor sentiment and market perception.

25 Dec

3

International Bancshares Corporation (NASDAQ:IBOC) share price down 12% in last month, but three-year returns up 52%. EPS grew 18% annually, exceeding share price increase of 15%. Total shareholder return (TSR) for last 3 years was 65%, boosted by dividends. The article discusses moderate influence expected on International Bancshares Corporation's future and market performance due to cautious sentiment reflected in EPS growth and TSR.

7 Nov

4

IBC reports strong earnings for the third quarter of 2024. The significant impact is likely on future performance due to the strong earnings reported by IBC.

3

International Bancshares Corp. reported net income of $99.8 million in its third quarter, with earnings of $1.60 per share. The reported earnings may moderately influence the financial performance and competitive positioning of International Bancshares Corporation.

29 Sep

3

Institutional ownership of International Bancshares Corporation is high, with 51% held by top 10 shareholders. Recent market cap decline of US$127m may not deter long-term profits. The article discusses potential impact on financial performance and shareholder sentiment, but the overall effect is expected to be somewhat limited.

9 Aug

3

International Bancshares Corporation (NASDAQ:IBOC) upcoming dividend payment of US$0.66 per share will be paid on August 28th, with a trailing yield of 2.3%. The company has been growing earnings and dividends, with a sustainable payout ratio of 20%. The article highlights the potential impact of the upcoming dividend payment and the company's growth on its future performance.

stockrow.com/IBOC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com