Saturday 17 October 2026 Export IBOC’s income statement to Excel — free account

International Bancshares Corporation

International Bancshares Corporation’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 1.26% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS fell 4.35%, free cash flow fell 3.33% and total debt fell 29.7%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five.

67.34 0.31 −0.46%

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Market cap: $4.2B
P/E: 10.1×
Fwd P/E: 11.2×
Dividend yield: 2.17%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.72

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	1	—	—	—	—	—

Insider Ownership 13.05%

Capital & Financial Ratios $m

Market Cap 4,210.00

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 10.14

Fwd P/E 11.20

P/S ratio 3.93

P/B ratio 1.24

Past 5Y EPS Growth 20.37%

This Y EPS Growth (3.47%)

Next Y EPS Growth 5.63%

Next Y revenue growth 5.25%

Next 5Y EPS Growth 3.08%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 27.35%

10-year low 10-year high

P/S against its own 10 years 40.73%

10-year low 10-year high

P/B against its own 10 years 33.36%

10-year low 10-year high

Dividends

Payout Ratio 0.22

Annual Dividend Rate 1.46

Annual Dividend Yield 2.17%

	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 special payouts not included in total or ratios

Assets vs Liabilities $m

	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

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 $m

	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

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	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

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	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

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	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
	High	42.25	42.90	47.95	44.00	43.60	53.06	53.71	54.72	76.91	73.66
People
People	Employees	3,216	3,273	3,390	3,314	2,456	2,261	2,169	2,200	2,336	2,319
	Revenue/emp, $m	0.17	0.17	0.19	0.20	0.24	0.27	0.33	0.44	0.45	0.46
Income, $m
Income, $m	Revenue	550	566	631	647	578	620	713	970	1,043	1,056
	Gross margin, %	92.15	93.12	91.65	90.94	93.23	95.68	94.65	85.91	79.93	79.75
	EBT	197	222	273	260	212	322	383	524	509	520
	EBT margin, %	35.84	39.19	43.21	40.16	36.66	51.95	53.67	53.96	48.78	49.28
	Net income	134	157	216	205	167	254	300	412	409	412
	Depreciation	51	49	46	48	67	61	34	27	25	23
Per share, $
Per share, $	Revenue	8.33	8.56	9.54	9.88	9.06	9.79	11.38	15.63	16.77	16.99
	Earnings	2.03	2.38	3.27	3.13	2.63	4.01	4.79	6.63	6.58	6.63
	Cash flow	3.08	2.98	3.48	4.76	4.79	4.60	6.19	7.64	7.62	7.90
	Capex	(0.53)	(0.18)	(0.26)	(0.42)	(0.09)	0.02	(0.09)	(0.44)	(0.21)	(0.29)
	Free cash flow	2.55	2.80	3.22	4.33	4.70	4.62	6.10	7.20	7.41	7.61
	Book value	26.14	27.84	29.34	32.35	34.18	36.44	32.63	39.43	44.98	52.30
	Shares, m	66	66	66	65	64	63	63	62	62	62
Valuation, ×
Valuation, ×	P/E	20.14	16.67	10.52	13.76	14.13	10.59	9.43	8.13	9.60	10.02
	P/S	4.90	4.60	3.60	4.36	4.13	4.33	3.97	3.45	3.77	3.91
	P/B	1.56	1.41	1.17	1.33	1.10	1.16	1.38	1.37	1.40	1.27
	EV/Sales	6.03	6.52	4.48	5.14	1.66	0.08	1.24	2.90	3.54	3.52
	EV/FCF	19.73	19.97	13.26	11.71	3.21	0.16	2.32	6.30	8.02	7.85
Cash, $m
Cash, $m	Operating cash flow	203	197	230	312	305	292	388	474	474	491
	Capex	(35)	(12)	(17)	(28)	(6)	1	(6)	(27)	(13)	(18)
	Free cash flow	168	185	213	284	299	293	382	447	461	473
Balance, $m
Balance, $m	Working capital	(2,914)	(2,318)	(2,073)	(1,934)	(1,682)	(2,719)	(3,653)	(3,737)	(3,569)	(3,112)
	Total debt	894	1,356	866	761	571	571	146	120	119	119
	Net debt	625	1,090	549	504	(1,426)	(2,638)	(1,942)	(531)	(233)	(417)
	Shareholders’ equity	1,725	1,839	1,940	2,118	2,178	2,308	2,045	2,448	2,797	3,252
Returns, %
Returns, %	ROA	1.14	1.31	1.80	1.71	1.28	1.69	1.90	2.69	2.66	2.55
	ROIC	5.25	4.73	6.85	6.20	17.61	0.00	233.04	17.07	12.40	11.47
	ROE	7.90	8.84	11.43	10.11	7.79	11.32	13.79	18.33	15.60	13.63

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FFIN First Financial Bankshares, Inc.	$4.5B	16.2×	15.9×	+7.84% (above 0%: growing)	+6.38% (above 0%: growing)	+25.95% (above 0%: growing)	77.89%	0.00%	Compare
SFBS ServisFirst Bancshares, Inc.	$4.3B	13.4×	12.3×	+6.36% (above 0%: growing)	+40.18% (above 0%: growing)	+141.10% (above 0%: growing)	64.14%	0.00%	Compare
FULT Fulton Financial Corporation	$4.3B	10.7×	11.1×	+7.53% (above 0%: growing)	−1.89% (below 0%: shrinking)	+6.85% (above 0%: growing)	71.64%	0.00%	Compare
IBOC International Bancshares Corporation	$4.2B	10.1×	11.2×	+0.96% (above 0%: growing)	−4.35% (below 0%: shrinking)	−3.33% (below 0%: shrinking)	81.33%	0.00%
FBP First BanCorp.	$4.2B	11.4×	10.8×	+4.63% (above 0%: growing)	+26.00% (above 0%: growing)	−5.21% (below 0%: shrinking)	81.89%	0.00%	Compare
UCB United Community Banks, Inc.	$4.1B	11.1×	11.3×	+0.18% (above 0%: growing)	+50.79% (above 0%: growing)	+43.32% (above 0%: growing)	72.97%	0.00%	Compare
BMA Macro Bank Inc.	$4.1B	14.0×	15.4×	+4.42% (above 0%: growing)	+17.44% (above 0%: growing)	+198.80% (above 0%: growing)	77.07%	0.00%	Compare
CATY Cathay General Bancorp	$4.0B	11.6×	10.6×	+3.12% (above 0%: growing)	+24.32% (above 0%: growing)	+272.48% (above 0%: growing)	63.72%	0.00%	Compare
TCBI Texas Capital Bancshares, Inc.	$3.9B	11.7×	13.4×	+4.34% (above 0%: growing)	+16.35% (above 0%: growing)	+62.74% (above 0%: growing)	65.14%	0.00%	Compare
Median of peers	$4.1B	11.7×	11.8×	+4.53%	+20.88%	+53.03%	72.31%	0.00%

All 323 Banks Regional stocks →

International Bancshares Corporation (IBOC) key facts

Strength: International Bancshares Corporation’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 1.26% from fiscal 2024.
International Bancshares Corporation (IBOC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, IBOC traded at $67.34, a market capitalization of $4.2 billion.
International Bancshares Corporation pays an annual dividend of $1.46 per share, a yield of 2.17%, with a payout ratio of 22.0%.
Return on equity was 13.6% and debt-to-equity 0.04.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.