What is International Bancshares Corp's earnings per share (EPS)?

International Bancshares Corp (IBOC) reported diluted earnings per share of $6.62 for fiscal year 2025. This represents a 0.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

International Bancshares Corp (IBOC) Financials

IBOC

Trailing 12 months to June 30, 2026

Revenue $859.1M +4.0% YoY

Net Income $413.3M +0.3% YoY

EPS (Diluted) $6.63 +0.2% YoY

Free Cash Flow $452.8M +1.2% YoY

Market Cap $4.3B as of Oct 5, 2026

Price / Sales 5.0x on $859.1M revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.5x on $413.3M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $3.4B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the IBOC SEC filings page.

International Bancshares Corp (IBOC) reported $859.1M in revenue over the twelve months to Jun 30, 2026, up 4.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI IBOC FY2025 2026-10-04

The bank converts earnings to cash while a stronger capital base lowers leverage but compresses shareholder returns.

From FY2023 to FY2025, debt-to-equity fell from 5.2x to 4.1x as equity expanded faster than assets, creating a less leveraged structure. Yet return on equity slipped from 16.8% to 12.7%, showing that added balance-sheet capital has not translated into proportional shareholder returns.

Cash conversion is consistently favorable: FY2025 operating cash flow was $491M against net income of $412M. Free cash flow reached $473M, only modestly below operating cash flow, so reported earnings were not chiefly an accounting-only result and reinvestment absorbed a relatively small share of internally generated cash.

Profit growth has stalled near its recent peak: revenue was nearly unchanged at $833M in FY2023 and $842M in FY2025, indicating limited top-line expansion. Net income still reached $412M in FY2025, but interest expense rose from $137M to $214M; net margin consequently eased from 49.4% to 48.9%, so the slight earnings increase came with higher funding cost rather than broad revenue acceleration.

Financial Health Signals

Financial Health Score 60/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of International Bancshares Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

International Bancshares Corp earned a return on assets of 2.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 2.6% the prior year. Earnings ranks banks on that return over three years, and International Bancshares Corp scores 95/100 among other banks.

Growth

International Bancshares Corp reported revenue of $842.2M in fiscal year 2025, against $833.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and International Bancshares Corp scores 19/100 among other banks.

Capital

International Bancshares Corp funded 19.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $3.3B of equity against $16.6B of assets. Capital ranks banks on that cushion, and International Bancshares Corp scores 85/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. International Bancshares Corp scores 99/100 on it among other banks.

Credit Quality

Not available for International Bancshares Corp, and counted as zero in the overall score.

Stability

International Bancshares Corp reported net income of $412.3M in fiscal year 2025, against $409.2M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and International Bancshares Corp scores 62/100 among other banks.

Piotroski F-Score Partial

4/6

International Bancshares Corp passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.19x

For every $1 of reported earnings, International Bancshares Corp generates $1.19 in operating cash flow ($491.1M OCF vs $412.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$214.8M

YoY+3.2%

QoQ+3.1%

5Y CAGR+2.6%

10Y CAGR+5.7%

International Bancshares Corp generated $214.8M in revenue in Q2 2026. This represents an increase of 3.2% from the same quarter a year earlier. Against the prior quarter it is up 3.1%.

Net Income

$95.8M

YoY-4.3%

QoQ-6.2%

5Y CAGR+0.8%

10Y CAGR+12.4%

International Bancshares Corp reported $95.8M in net income in Q2 2026. This represents a decrease of 4.3% from the same quarter a year earlier. Against the prior quarter it is down 6.2%.

EPS (Diluted)

$1.54

YoY-4.3%

QoQ-6.1%

5Y CAGR+1.2%

10Y CAGR+13.1%

International Bancshares Corp earned $1.54 per diluted share (EPS) in Q2 2026. This represents a decrease of 4.3% from the same quarter a year earlier. Against the prior quarter it is down 6.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$88.6M

YoY-3.4%

QoQ-23.7%

5Y CAGR+5.5%

10Y CAGR+9.9%

International Bancshares Corp generated $88.6M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 3.4% from the same quarter a year earlier. Against the prior quarter it is down 23.7%.

Cash & Debt

$451.2M

YoY-38.4%

QoQ-23.0%

5Y CAGR-28.0%

10Y CAGR+6.3%

International Bancshares Corp held $451.2M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

62M

YoY+0.1%

QoQ0.0%

5Y CAGR-0.4%

10Y CAGR-0.6%

International Bancshares Corp had 62M shares outstanding in Q2 2026. This represents an increase of 0.1% from the same quarter a year earlier. It is unchanged from the prior quarter.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

44.6%

YoY-3.5pp

QoQ-4.4pp

5Y change-4.0pp

10Y change+20.6pp

International Bancshares Corp's net profit margin was 44.6% in Q2 2026, showing the share of revenue converted to profit. This is down 3.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 4.4 percentage points.

Return on Equity

2.8%

YoY-0.5pp

QoQ-0.3pp

5Y change-1.2pp

10Y change+1.1pp

International Bancshares Corp's ROE was 2.8% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$97K

QoQ+61.7%

International Bancshares Corp spent $97K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is up 61.7%.

Capital Expenditures

$5.7M

YoY+46.7%

QoQ+21.0%

5Y CAGR+16.5%

10Y CAGR+9.8%

International Bancshares Corp invested $5.7M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 46.7% from the same quarter a year earlier. Against the prior quarter it is up 21.0%.

R&D Spending

Not reported for Q2 2026.

IBOC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

IBOC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$859.1M	$842.2M+1.0%	$833.6M0.0%	$833.4M+23.5%	$674.8M+13.7%	$593.6M+10.2%	$538.5M-8.5%	$588.6M+1.8%	$578.2M+9.8%	$526.6M+4.0%	$506.5M-0.3%	$508.2M-3.3%	$525.4M+5.5%	$498.2M-0.7%	$501.7M-4.5%	$525.3M
SG&A Expenses	$156.5M	$153.3M+5.1%	$145.9M+8.6%	$134.4M+5.3%	$127.7M+3.4%	$123.5M-5.0%	$130.0M-10.9%	$145.9M+5.3%	$138.5M+4.4%	$132.8M+3.2%	$128.7M+2.8%	$125.1M+3.0%	$121.5M+1.4%	$119.8M+1.5%	$118.0M-6.3%	$126.0M
Interest Expense	$205.2M	$213.9M+2.2%	$209.3M+53.1%	$136.7M+258.2%	$38.2M+42.2%	$26.8M-31.4%	$39.1M-33.3%	$58.6M+11.3%	$52.7M+35.3%	$38.9M-9.7%	$43.1M-2.7%	$44.3M-4.8%	$46.5M-14.8%	$54.6M-26.7%	$74.5M-21.0%	$94.3M
Income Tax	$110.5M	$108.1M+8.6%	$99.6M-10.9%	$111.7M+35.6%	$82.4M+20.5%	$68.4M+53.9%	$44.4M-19.0%	$54.9M-3.2%	$56.7M-11.8%	$64.2M+1.8%	$63.1M-10.0%	$70.1M-8.7%	$76.8M+36.5%	$56.2M+11.2%	$50.6M-21.1%	$64.1M
Net Income	$413.3M	$412.3M+0.8%	$409.2M-0.6%	$411.8M+37.1%	$300.2M+18.2%	$253.9M+51.8%	$167.3M-18.4%	$205.1M-5.0%	$215.9M+37.2%	$157.4M+17.5%	$133.9M-2.0%	$136.7M-10.7%	$153.2M+21.2%	$126.4M+17.2%	$107.8M-15.2%	$127.1M
EPS (Basic)	N/A	$6.63+0.8%	$6.58-0.8%	$6.63+38.4%	$4.79+19.5%	$4.01+52.5%	$2.63-16.0%	$3.13-4.3%	$3.27+37.4%	$2.38+17.2%	$2.03-1.5%	$2.06-10.0%	$2.29+21.8%	$1.88+35.3%	$1.39-17.8%	$1.69
EPS (Diluted)	$6.63	$6.62+0.8%	$6.57-0.8%	$6.62+38.5%	$4.78+19.5%	$4.00+52.7%	$2.62-16.0%	$3.12-3.7%	$3.24+37.3%	$2.36+16.8%	$2.02-1.5%	$2.05-10.1%	$2.28+21.3%	$1.88+35.3%	$1.39-17.8%	$1.69
Diluted Shares (Avg)	N/A	62M-0.1%	62M+0.1%	62M-0.9%	63M-1.1%	63M-0.6%	64M-2.8%	66M-1.4%	67M-0.2%	67M+0.7%	66M-0.5%	67M-0.6%	67M-0.4%	67M0.0%	67M-0.4%	68M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$214.8M+3.2%	$208.5M+5.2%	$217.7M+4.5%	$218.1M+3.0%	$208.2M+0.2%	$198.2M-3.7%	$208.3M-1.3%	$211.8M-0.4%
SG&A Expenses	$40.9M+7.0%	$39.1M+1.3%	$38.9M+5.3%	$37.6M+0.2%	$38.3M+7.4%	$38.6M+7.7%	$36.9M+10.1%	$37.5M+8.0%
Interest Expense	$49.3M-7.8%	$49.0M-8.3%	$52.4M-4.0%	$54.5M-0.3%	$53.5M+3.9%	$53.4M+10.2%	$54.6M+20.9%	$54.7M+48.5%
Income Tax	$25.3M-2.0%	$27.2M+12.3%	$29.9M+61.1%	$28.1M+3.4%	$25.8M-7.4%	$24.2M-6.5%	$18.6M-36.8%	$27.2M-2.1%
Net Income	$95.8M-4.3%	$102.2M+5.5%	$106.9M-7.1%	$108.4M+8.6%	$100.1M+3.3%	$96.9M-0.5%	$115.1M+8.2%	$99.8M-3.4%
EPS (Basic)	$1.54-4.3%	$1.64+5.1%	$1.72-7.0%	$1.74+8.7%	$1.61+3.2%	$1.56-0.6%	$1.85+8.2%	$1.60-3.6%
EPS (Diluted)	$1.54-4.3%	$1.64+5.1%	$1.71-7.6%	$1.74+8.7%	$1.61+3.2%	$1.560.0%	$1.85+8.2%	$1.60-3.6%
Diluted Shares (Avg)	62M0.0%	62M-0.1%	N/A	62M-0.1%	62M-0.1%	62M+0.1%	N/A	62M+0.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

IBOC Balance Sheet

IBOC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$16.6B+5.3%	$15.7B+4.5%	$15.1B-2.8%	$15.5B-3.4%	$16.0B+14.4%	$14.0B+15.8%	$12.1B+2.0%	$11.9B-2.6%	$12.2B+3.2%	$11.8B+0.3%	$11.8B-3.5%	$12.2B+1.0%	$12.1B+1.7%	$11.9B+1.2%	$11.7B
Cash & Equivalents	$536.5M+52.1%	$352.7M-45.8%	$651.1M-68.8%	$2.1B-34.9%	$3.2B+60.7%	$2.0B+677.7%	$256.8M-18.9%	$316.8M+19.4%	$265.4M-1.4%	$269.2M-1.4%	$273.1M+7.0%	$255.1M0.0%	$255.1M-9.9%	$283.1M+8.1%	$261.9M
Short-Term Investments	$5.0B-0.4%	$5.0B+3.4%	$4.8B+9.1%	$4.4B+4.8%	$4.2B+36.7%	$3.1B	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$448.3M+25.7%	$356.7M+3.9%	$343.5M-4.3%	$358.9M+20.9%	$296.9M+16.7%	$254.4M-20.1%	$318.4M-5.7%	$337.5M+14.8%	$294.0M-43.2%	$517.2M+10.3%	$468.8M+6.4%	$440.7M+13.4%	$388.6M+4.2%	$372.7M+6.1%	$351.2M
Goodwill	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M
Total Liabilities	$13.3B+3.0%	$12.9B+2.6%	$12.6B-6.2%	$13.5B-2.0%	$13.7B+15.9%	$11.9B+18.6%	$10.0B+0.6%	$9.9B-4.0%	$10.3B+2.6%	$10.1B-0.3%	$10.1B-4.8%	$10.6B-0.4%	$10.7B+2.0%	$10.4B+3.0%	$10.1B
Total Equity	$3.3B+16.3%	$2.8B+14.3%	$2.4B+19.7%	$2.0B-11.4%	$2.3B+6.0%	$2.2B+2.8%	$2.1B+9.2%	$1.9B+5.5%	$1.8B+6.6%	$1.7B+3.6%	$1.7B+5.4%	$1.6B+11.0%	$1.4B-0.8%	$1.4B-10.3%	$1.6B
Retained Earnings	$3.7B+9.7%	$3.4B+10.8%	$3.0B+12.4%	$2.7B+9.1%	$2.5B+7.9%	$2.3B+4.0%	$2.2B+6.6%	$2.1B+9.1%	$1.9B+6.4%	$1.8B+5.6%	$1.7B+6.2%	$1.6B+8.1%	$1.5B+7.1%	$1.4B+5.1%	$1.3B

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$17.0B+3.4%	$16.8B+3.4%	$16.6B+5.3%	$16.6B+4.1%	$16.5B+6.3%	$16.3B+5.9%	$15.7B+4.5%	$15.9B+6.6%
Cash & Equivalents	$451.2M-38.4%	$585.9M-0.6%	$536.5M+52.1%	$589.3M-24.4%	$731.9M-7.6%	$589.5M-35.1%	$352.7M-45.8%	$779.8M+11.6%
Short-Term Investments	$5.1B+1.5%	$5.0B-1.1%	$5.0B-0.4%	$5.0B-0.6%	$5.0B+2.9%	$5.0B+5.2%	$5.0B+3.4%	$5.0B+6.9%
Long-Term Investments	$429.9M+14.4%	$442.3M+20.6%	$448.3M+25.7%	$380.7M+17.0%	$375.7M+9.6%	$366.6M+4.3%	$356.7M+3.9%	$325.4M-11.7%
Goodwill	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%	$282.5M0.0%
Total Liabilities	$13.6B+1.5%	$13.5B+1.2%	$13.3B+3.0%	$13.4B+2.1%	$13.4B+4.1%	$13.4B+3.9%	$12.9B+2.6%	$13.1B+3.4%
Total Equity	$3.4B+11.7%	$3.3B+13.6%	$3.3B+16.3%	$3.1B+13.8%	$3.0B+17.3%	$2.9B+16.6%	$2.8B+14.3%	$2.7B+25.3%
Retained Earnings	$3.8B+9.2%	$3.7B+9.6%	$3.7B+9.7%	$3.6B+10.3%	$3.5B+10.3%	$3.4B+10.5%	$3.4B+10.8%	$3.2B+10.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

IBOC Cash Flow Statement

IBOC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$470.1M	$491.1M+3.6%	$473.9M-0.1%	$474.4M+22.3%	$387.9M+33.0%	$291.7M-4.4%	$305.1M-2.1%	$311.6M+35.6%	$229.8M+16.8%	$196.8M-3.1%	$203.2M-0.2%	$203.6M+5.5%	$193.0M-7.7%	$209.1M+30.7%	$160.0M-11.5%	$180.8M
Stock-Based Compensation	N/A	$104K-51.4%	$214K-35.2%	$330K-26.5%	$449K-11.3%	$506K-31.9%	$743K-24.2%	$980K-5.3%	$1.0M+14.6%	$903K-16.5%	$1.1M-7.7%	$1.2M+10.8%	$1.1M+155.6%	$414K-12.7%	$474K+22.5%	$387K
Capital Expenditures	$17.2M	$18.1M+28.1%	$14.1M-48.6%	$27.5M+43.1%	$19.2M+84.9%	$10.4M+54.5%	$6.7M-77.3%	$29.6M+38.3%	$21.4M+49.5%	$14.3M-63.2%	$38.9M+95.9%	$19.8M-60.6%	$50.4M+0.7%	$50.0M-19.4%	$62.0M+204.2%	$20.4M
Free Cash Flow	$452.8M	$472.9M+2.9%	$459.8M+2.9%	$446.9M+21.2%	$368.7M+31.1%	$281.3M-5.7%	$298.4M+5.8%	$282.0M+35.3%	$208.5M+14.2%	$182.5M+11.0%	$164.4M-10.6%	$183.8M+28.8%	$142.7M-10.3%	$159.1M+62.4%	$98.0M-38.9%	$160.4M
Investing Cash Flow	-$870.1M	-$591.7M+39.9%	-$985.1M+7.7%	-$1.1B-7.6%	-$992.0M-8.3%	-$915.9M-166.5%	-$343.7M-8.1%	-$318.1M-183.8%	$379.4M+194.0%	-$403.8M-193.1%	-$137.8M-136.9%	$373.2M	N/A	N/A	N/A	N/A
Financing Cash Flow	$119.2M	$284.5M+33.7%	$212.7M+125.2%	-$843.9M-63.1%	-$517.4M-128.2%	$1.8B+3.2%	$1.8B+3426.2%	-$53.5M+90.4%	-$557.8M-374.6%	$203.1M+393.1%	-$69.3M+87.6%	-$559.0M	N/A	N/A	N/A	N/A
Dividends Paid	$88.9M	$87.1M+6.1%	$82.1M+4.9%	$78.2M+3.8%	$75.4M+3.5%	$72.8M+4.2%	$69.9M+1.8%	$68.7M+38.5%	$49.6M+13.8%	$43.6M+10.2%	$39.6M+2.7%	$38.5M+10.8%	$34.8M+20.3%	$28.9M+7.4%	$26.9M+4.9%	$25.6M
Share Buybacks	$219K	$4.6M+378.5%	$963K-79.1%	$4.6M-91.1%	$52.0M+7169.3%	$716K-98.5%	$48.9M+173.9%	$17.8M-6.3%	$19.0M+10082.9%	$187K-97.7%	$8.0M+19.3%	$6.7M-64.7%	$18.9M	N/A	$1.7M-73.3%	$6.4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$94.2M-1.3%	$120.7M-14.0%	$139.9M+21.8%	$115.2M-1.1%	$95.5M-10.9%	$140.5M+3.7%	$114.9M-13.5%	$116.5M+2.4%
Stock-Based Compensation	N/A	$18K-60.0%	N/A	N/A	N/A	$45K-39.2%	N/A	N/A
Capital Expenditures	$5.7M+46.7%	$4.7M-36.5%	$3.9M+139.7%	$2.9M-57.5%	$3.9M+65.1%	$7.4M+12.8%	-$1.6M-80.4%	$6.9M-24.8%
Free Cash Flow	$88.6M-3.4%	$116.0M-12.8%	$136.0M+20.1%	$112.2M+2.4%	$91.6M-12.6%	$133.1M+3.3%	$113.2M-8.9%	$109.6M+4.8%
Investing Cash Flow	-$349.6M-1163.9%	-$231.7M+15.8%	-$94.9M+75.2%	-$193.9M+23.1%	-$27.7M+89.6%	-$275.3M-229.2%	-$382.1M-233.0%	-$252.2M+43.4%
Financing Cash Flow	$120.5M+61.5%	$160.5M-56.8%	-$97.9M+38.8%	-$63.9M-151.7%	$74.6M+73.0%	$371.6M+80.3%	-$160.0M-143.9%	$123.4M+2428.3%
Dividends Paid	$0	$45.4M+4.2%	$1K	$43.5M+6.0%	$0	$43.5M+6.1%	$0	$41.0M+5.0%
Share Buybacks	$97K	$60K	$62K-71.9%	$0-100.0%	N/A	N/A	$221K+78.2%	$247K+194.0%

Not reported in any period shown, so not listed: Depreciation & Amortization.

IBOC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

IBOC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	49.0%-0.1pp	49.1%-0.3pp	49.4%+4.9pp	44.5%+1.7pp	42.8%+11.7pp	31.1%-3.8pp	34.8%-2.5pp	37.4%+7.5pp	29.9%+3.5pp	26.4%-0.5pp	26.9%-2.2pp	29.1%+3.8pp	25.4%+3.9pp	21.5%-2.7pp	24.2%
Return on Equity	12.7%-2.0pp	14.6%-2.2pp	16.8%+2.1pp	14.7%+3.7pp	11.0%+3.3pp	7.7%-2.0pp	9.7%-1.4pp	11.1%+2.6pp	8.6%+0.8pp	7.8%-0.4pp	8.2%-1.5pp	9.7%+0.8pp	8.9%+1.4pp	7.5%-0.4pp	8.0%
Return on Assets	2.5%-0.1pp	2.6%-0.1pp	2.7%+0.8pp	1.9%+0.4pp	1.6%+0.4pp	1.2%-0.5pp	1.7%-0.1pp	1.8%+0.5pp	1.3%+0.2pp	1.1%0.0pp	1.2%-0.1pp	1.3%+0.2pp	1.1%+0.1pp	0.9%-0.2pp	1.1%
Debt-to-Equity	4.10-0.5x	4.63-0.5x	5.16-1.4x	6.58+0.6x	5.95+0.5x	5.44+0.7x	4.72-0.4x	5.12-0.5x	5.63-0.2x	5.84-0.2x	6.07-0.6x	6.72-0.8x	7.48+0.2x	7.28+0.9x	6.34
Asset Turnover	0.050.0x	0.050.0x	0.060.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	56.2%+1.0pp	55.2%+1.5pp	53.6%-1.0pp	54.6%+7.3pp	47.4%-8.0pp	55.4%+7.5pp	47.9%+11.9pp	36.0%+1.4pp	34.7%+2.2pp	32.5%-3.7pp	36.2%+9.0pp	27.2%-4.8pp	31.9%+12.4pp	19.5%-11.0pp	30.5%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	44.6%-3.5pp	49.0%+0.1pp	49.1%-6.2pp	49.7%+2.6pp	48.1%+1.4pp	48.9%+1.6pp	55.3%+4.8pp	47.1%-1.4pp
Return on Equity	2.8%-0.5pp	3.1%-0.2pp	3.3%-0.8pp	3.5%-0.2pp	3.3%-0.5pp	3.4%-0.6pp	4.1%-0.2pp	3.6%-1.1pp
Return on Assets	0.6%-0.1pp	0.6%0.0pp	0.6%-0.1pp	0.7%0.0pp	0.6%0.0pp	0.6%0.0pp	0.7%0.0pp	0.6%-0.1pp
Debt-to-Equity	4.04-0.4x	4.12-0.5x	4.10-0.5x	4.29-0.5x	4.45-0.6x	4.62-0.6x	4.63-0.5x	4.78-1.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	41.2%-2.8pp	55.7%-11.5pp	62.5%+8.1pp	51.5%-0.3pp	44.0%-6.5pp	67.1%+4.5pp	54.4%-4.6pp	51.7%+2.6pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
International Bancshares Corp IBOC	FY2025	$842.2M	$412.3M	49.0%	$4.3B	60/100
Bancfirst Corp BANF	FY2025	$690.6M	$240.6M	34.8%	$3.6B	74/100
Atlantic Union Bankshares Corporation AUB	FY2025	$1.4B	$273.7M	19.9%	$5.5B	57/100
ServisFirst Bancshares Inc. SFBS	FY2025	$562.4M	$276.6M	49.2%	$4.4B	68/100
Associated Banc-Corp ASB	FY2025	$1.5B	$474.8M	31.9%	$5.5B	48/100
United Bankshares Inc UBSI	FY2025	$1.2B	$464.6M	37.5%	$6.4B	72/100

Where International Bancshares Corp Ranks

Frequently Asked Questions

What is International Bancshares Corp's annual revenue?

International Bancshares Corp (IBOC) reported $842.2M in total revenue for fiscal year 2025. This represents a 1.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is International Bancshares Corp's revenue growing?

International Bancshares Corp (IBOC) revenue grew by 1.0% year-over-year, from $833.6M to $842.2M in fiscal year 2025.

Is International Bancshares Corp profitable?

Yes, International Bancshares Corp (IBOC) reported a net income of $412.3M in fiscal year 2025, with a net profit margin of 49.0%.

What is International Bancshares Corp's net profit margin?

International Bancshares Corp (IBOC) had a net profit margin of 49.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does International Bancshares Corp pay dividends?

Yes, International Bancshares Corp (IBOC) paid $1.40 per share in dividends during fiscal year 2025.

What is International Bancshares Corp's return on equity (ROE)?

International Bancshares Corp (IBOC) has a return on equity of 12.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is International Bancshares Corp's free cash flow?

International Bancshares Corp (IBOC) generated $472.9M in free cash flow during fiscal year 2025. This represents a 2.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is International Bancshares Corp's operating cash flow?

International Bancshares Corp (IBOC) generated $491.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are International Bancshares Corp's total assets?

International Bancshares Corp (IBOC) had $16.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are International Bancshares Corp's capital expenditures?

International Bancshares Corp (IBOC) invested $18.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does International Bancshares Corp buy back shares?

Yes, International Bancshares Corp (IBOC) spent $4.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does International Bancshares Corp have outstanding?

International Bancshares Corp (IBOC) had 62M shares outstanding as of fiscal year 2025.

What is International Bancshares Corp's debt-to-equity ratio?

International Bancshares Corp (IBOC) had a debt-to-equity ratio of 4.10 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is International Bancshares Corp's return on assets (ROA)?

International Bancshares Corp (IBOC) had a return on assets of 2.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is International Bancshares Corp's P/E ratio?

International Bancshares Corp (IBOC) trades at 10.5x earnings, its market capitalization divided by net income of $413.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $4.3B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is International Bancshares Corp's price-to-sales ratio?

International Bancshares Corp (IBOC) trades at 5.0x sales, its market capitalization divided by revenue of $859.1M revenue, trailing 12 months to June 30, 2026. The market capitalization is $4.3B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is International Bancshares Corp's Piotroski F-Score?

International Bancshares Corp (IBOC) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are International Bancshares Corp's earnings high quality?

International Bancshares Corp (IBOC) has an earnings quality ratio of 1.19x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is International Bancshares Corp?

International Bancshares Corp (IBOC) scores 60 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.