International Bancshares Corporation

International Bancshares Corporation

IBOC
International Bancshares CorporationUS flagNASDAQ Global Select
75.67
USD
-0.42
- -
4.71BMarket Cap
International Bancshares Corporation
IBOC
(NASDAQ Global Select)

Recent

price

75.67

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
8.3
7.78
7.46
7.41
7.86
7.65
7.68
7.97
8.75
8.99
8.45
9.37
10.77
13.42
13.41
13.55
13.71
Revenue per Share
1.72
1.69
1.39
1.88
2.29
2.06
2.03
2.38
3.27
3.13
2.63
4.01
4.79
6.63
6.58
6.63
6.72
Basic EPS, GAAP
2.38
2.37
1.45
2.37
2.13
2.77
2.49
2.76
3.15
4.31
4.68
4.44
5.88
7.2
7.39
7.61
7.33
Free Cash Flow per Basic Share
0.52
0.54
0.55
0.43
0.52
0.58
0.6
0.66
0.75
1.05
1.1
1.15
1.2
1.26
1.32
1.4
1.43
Dividend per Share
19.29
20.72
21.79
23.26
25.14
26.79
28.41
30.1
32.68
35.08
37.44
40.52
44.56
50.34
55.53
60.77
61.69
Book Value per Share
14.01
16.22
17.03
16.95
19.4
20.82
21.86
23.57
25.07
28.03
29.74
31.98
28.12
34.88
40.43
47.76
48.35
Tangible Book Value per Share
68
68
67
67
67
66
66
66
66
65
64
63
63
62
62
62
62
Basic Weighted Avg Shares
564
525
502
498
525
508
506
527
578
589
538
594
675
833
834
842
852
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
41
40
31
31
26
26
25
25
26
28
28
25
22
22
23
23
24
Depreciation Expense
130
127
108
126
153
137
134
157
216
205
167
254
300
412
409
412
418
Net Income, GAAP
35.31
33.51
31.92
30.8
33.39
33.9
32.02
28.97
20.78
21.1
20.99
21.22
21.54
21.35
19.57
20.77
21.01
Effective Tax Rate (%)
23.07
24.2
21.49
25.36
29.15
26.91
26.44
29.9
37.35
34.85
31.07
42.78
44.49
49.41
49.08
48.96
48.99
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,228
685
940
1,415
1,249
667
894
1,356
866
761
571
571
146
120
119
119
119
LT Debt
1,459
1,600
1,436
1,424
1,581
1,666
1,725
1,839
1,940
2,118
2,178
2,308
2,045
2,448
2,797
3,252
3,288
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.25
8.41
6.53
8.35
9.44
7.9
7.33
8.15
10.41
9.2
7.15
10.25
11.2
13.92
12.44
11.4
11.38
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
119
119
119
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
62
62
62
Market Capitalization
4,274
4,131
4,183

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
5,438
5,370
3,955
Accounts Receivable, Net
77
72
75
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.25%
8.96%
16.27%
Free Cash Flow
10.81%
10.46%
2.86%
Net Income, GAAP
13.65%
21.46%
0.76%
Sales/Revenue/Turnover
5.52%
9.69%
1.02%
Total Cash Common Dividend
8.94%
4.48%
6.07%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
206
208
212
208
834
2025
198
208
218
218
842
2026
208
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.57
1.56
1.6
- -
6.58
2025
1.56
1.61
1.74
- -
6.63
2026
1.64
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.66
- -
0.66
- -
1.32
2025
0.7
- -
0.7
- -
1.4
2026
0.73
- -
- -
- -
- -
Business
International Bancshares Corporation International Bancshares Corporation (IBOC) is a multibank financial holding company headquartered in Laredo, Texas, and founded in 1966 that, through its wholly owned subsidiary banks—International Bank of Commerce (IBC) and affiliates in Texas and Oklahoma—provides a diversified range of commercial, retail, and international banking services across 166 facilities and 255 ATMs serving 75 communities in Texas and Oklahoma. The company accepts checking and savings deposits; originates commercial real estate, personal, home improvement, automobile, installment, and term loans; and facilitates international trade with letters of credit, commercial and industrial loans, and foreign exchange services, while also offering credit cards, safety deposit boxes, collections, escrow services, drive-up and walk-up facilities, securities products via third-party providers, internet banking through IBC Bank Online, and mobile banking. Its subsidiary banks emphasize service to small- and medium-sized businesses, consumer retail banking including mortgage lending, and cross-border customers domiciled in Mexico, which account for a substantial portion of deposits. In recent years, International Bancshares Corporation has expanded consumer and retail banking focus by opening branches in retail locations and shopping malls, alongside a seamless transition of LIBOR-based financial instruments to the Three-Month CME Term Secured Overnight Financing Rate plus a 26-basis-point spread adjustment effective July 1, 2023, ensuring no material adverse impacts on operations. The company earned recognition as the Best Performing U.S. Public Bank with more than $10 billion in assets by S&P Global Market Intelligence in 2024, reflecting strong financial health amid its operations in north, south, central, and southeast Texas and Oklahoma. It maintains non-banking subsidiaries for charitable activities, investments, and merchant banking, including fifty-percent stakes in Gulfstar Group entities for investment banking and controlling interests in merchant banking vehicles.

Company News

APIChatGPT
  • International Bancshares: I'm Not Spooked By The Soured Loans

  • IBC Reports Strong Earnings for the First Quarter of 2026

  • Citigroup Inc. Sells 47,703 Shares of International Bancshares Corporation $IBOC

  • Short Interest in International Bancshares Corporation (NASDAQ:IBOC) Grows By 20.9%

  • IBC Reports Strong Earnings in 2025

  • Financial Comparison: International Bancshares (NASDAQ:IBOC) & Pinnacle Bank (OTCMKTS:PBNK)

  • International Bancshares Corporation Announces Increase in Cash Dividend

  • International Bancshares (NASDAQ:IBOC) Share Price Crosses Above 200 Day Moving Average – Time to Sell?

  • Comparing BancFirst (NASDAQ:BANF) and International Bancshares (NASDAQ:IBOC)

  • International Bancshares Corporation $IBOC Shares Sold by Texas Permanent School Fund Corp

  • Commonwealth of Pennsylvania Public School Empls Retrmt SYS Raises Position in International Bancshares Corporation $IBOC

  • Campbell & CO Investment Adviser LLC Buys Shares of 4,075 International Bancshares Corporation $IBOC

  • IBC Reports Strong Earnings for the Third Quarter of 2025

  • IBC Reports Strong Earnings for the First Half of 2025

  • International Bancshares Corporation Announces Cash Dividend

  • IBC Reports Strong Earnings

  • IBC Reports Strong Earnings in 2024

  • 23 Upcoming Dividend Increases, Including 2 Kings

  • Finanta Partners With IBC Bank to Revolutionize Commercial Lending Through Digital Transformation

  • IBC Reports Strong Earnings for the First Half of 2024