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

International Bancshares (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 Financials

IBOC

FY2025 annual

Revenue $886.3M +2.3% YoY

Net Income $412.3M +0.8% YoY

EPS (Diluted) $6.62 +0.8% YoY

Free Cash Flow $472.9M +2.9% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

International Bancshares (IBOC) reported $886.3M in revenue for fiscal year 2025, up 2.3% from the prior fiscal year. 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 2026-05-07

Capital is compounding faster than profit, so this bank is becoming better cushioned even as returns normalize.

From FY2023 to FY2025, net income stayed near $412M while equity expanded from $2.4B to $3.3B and debt-to-equity fell from 5.2x to 4.1x; that combination explains why ROE eased from 16.8% to 12.7% even without an earnings drop, because capital accumulated faster than profit.

The balance sheet looks less stretched than a few years ago: liabilities were similar to FY2022 levels, but equity rose by about $1.2B through FY2025, largely via retained earnings. With FY2025 dividends of only $87M against $412M of net income, most profit stayed inside the company and strengthened loss-absorbing capital.

This is also a low fixed-asset business in accounting terms: FY2025 operating cash flow was $491M and free cash flow was $473M after only $18M of capital spending. That pattern has held for three straight years, which supports the view that earnings quality is being reinforced by cash generation rather than consumed by heavy reinvestment.

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'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

Growth

Capital

Efficiency

Credit Quality

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

Stability

Piotroski F-Score Partial

3/5

International Bancshares passes 3 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 3 of 4 profitability signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.19x

For every $1 of reported earnings, International Bancshares 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

$886.3M

YoY+2.3%

5Y CAGR+15.7%

10Y CAGR+8.4%

International Bancshares generated $886.3M in revenue in fiscal year 2025. This represents an increase of 2.3% from the prior year.

Net Income

$412.3M

YoY+0.8%

5Y CAGR+19.8%

10Y CAGR+11.7%

International Bancshares reported $412.3M in net income in fiscal year 2025. This represents an increase of 0.8% from the prior year.

EPS (Diluted)

$6.62

YoY+0.8%

5Y CAGR+20.4%

10Y CAGR+12.4%

International Bancshares earned $6.62 per diluted share (EPS) in fiscal year 2025. This represents an increase of 0.8% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$472.9M

YoY+2.9%

5Y CAGR+9.6%

10Y CAGR+9.9%

International Bancshares generated $472.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 2.9% from the prior year.

Cash & Debt

$536.5M

YoY+52.1%

5Y CAGR-23.1%

10Y CAGR+7.0%

International Bancshares held $536.5M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$1.40

YoY+6.1%

5Y CAGR+4.9%

10Y CAGR+9.2%

International Bancshares paid $1.40 per share in dividends in fiscal year 2025. This represents an increase of 6.1% from the prior year.

Shares Outstanding

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

46.5%

YoY-0.7pp

5Y CAGR+7.3pp

10Y CAGR+12.1pp

International Bancshares's net profit margin was 46.5% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.7 percentage points from the prior year.

Return on Equity

12.7%

YoY-2.0pp

5Y CAGR+5.0pp

10Y CAGR+4.5pp

International Bancshares's ROE was 12.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.0 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$4.6M

YoY+378.5%

5Y CAGR-37.6%

10Y CAGR-3.6%

International Bancshares spent $4.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 378.5% from the prior year.

Capital Expenditures

$18.1M

YoY+28.1%

5Y CAGR+21.9%

10Y CAGR-0.9%

International Bancshares invested $18.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 28.1% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

IBOC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

IBOC annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$885.7M	$886.3M+2.3%	$866.0M+8.2%	$800.2M+52.2%	$525.8M+32.1%	$398.1M-6.8%	$427.0M-13.3%	$492.4M+5.7%	$465.8M+12.2%	$415.1M+7.0%	$387.9M-2.2%	$396.8M+0.8%	$393.6M+8.4%	$363.2M-3.3%	$375.6M-10.2%	$418.1M
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 (Diluted)	—	$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

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$220.4M+2.7%	$214.6M-4.1%	$223.9M-1.3%	$226.8M+2.6%	$221.0M+2.9%	$214.6M-0.4%	$215.6M-3.2%	$222.7M
SG&A Expenses	$40.9M+4.6%	$39.1M+0.7%	$38.9M+3.3%	$37.6M-1.7%	$38.3M-0.9%	$38.6M+4.6%	$36.9M-1.7%	$37.5M
Interest Expense	$49.3M+0.7%	$49.0M-6.6%	$52.4M-3.9%	$54.5M+2.0%	$53.5M+0.1%	$53.4M-2.2%	$54.6M-0.2%	$54.7M
Income Tax	$25.3M-7.0%	$27.2M-9.0%	$29.9M+6.4%	$28.1M+8.9%	$25.8M+6.6%	$24.2M+30.5%	$18.6M-31.7%	$27.2M
Net Income	$95.8M-6.2%	$102.2M-4.4%	$106.9M-1.4%	$108.4M+8.2%	$100.1M+3.4%	$96.9M-15.8%	$115.1M+15.3%	$99.8M
EPS (Diluted)	$1.54-6.1%	$1.64	N/A	$1.74+8.1%	$1.61+3.2%	$1.56	N/A	$1.60

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

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

IBOC Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

IBOC annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$17.0B+1.2%	$16.8B+1.5%	$16.6B+0.2%	$16.6B+0.5%	$16.5B+1.2%	$16.3B+3.4%	$15.7B-1.0%	$15.9B
Cash & Equivalents	$451.2M-23.0%	$585.9M+9.2%	$536.5M-9.0%	$589.3M-19.5%	$731.9M+24.2%	$589.5M+67.1%	$352.7M-54.8%	$779.8M
Goodwill	$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	$13.6B+0.8%	$13.5B+1.6%	$13.3B-0.7%	$13.4B-0.1%	$13.4B+0.5%	$13.4B+3.3%	$12.9B-1.5%	$13.1B
Total Equity	$3.4B+2.7%	$3.3B+1.1%	$3.3B+4.0%	$3.1B+3.5%	$3.0B+4.4%	$2.9B+3.5%	$2.8B+1.7%	$2.7B
Retained Earnings	$3.8B+2.6%	$3.7B+1.5%	$3.7B+3.0%	$3.6B+1.8%	$3.5B+2.9%	$3.4B+1.6%	$3.4B+3.6%	$3.2B

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

IBOC Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

IBOC annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$94.2M-22.0%	$120.7M-13.7%	$139.9M+21.5%	$115.2M+20.6%	$95.5M-32.0%	$140.5M+22.3%	$114.9M-1.4%	$116.5M
Capital Expenditures	$5.7M+21.0%	$4.7M+18.8%	$3.9M+34.5%	$2.9M-24.1%	$3.9M-47.6%	$7.4M+348.2%	-$1.6M-76.2%	$6.9M
Free Cash Flow	$88.6M-23.7%	$116.0M-14.7%	$136.0M+21.2%	$112.2M+22.5%	$91.6M-31.1%	$133.1M+17.5%	$113.2M+3.3%	$109.6M
Investing Cash Flow	-$349.6M-50.8%	-$231.7M-144.3%	-$94.9M+51.1%	-$193.9M-601.1%	-$27.7M+90.0%	-$275.3M+28.0%	-$382.1M-51.5%	-$252.2M
Financing Cash Flow	$120.5M-24.9%	$160.5M+263.9%	-$97.9M-53.3%	-$63.9M-185.6%	$74.6M-79.9%	$371.6M+332.3%	-$160.0M-229.6%	$123.4M
Dividends Paid	$0-100.0%	$45.4M+4538900.0%	$1K-100.0%	$43.5M	$0-100.0%	$43.5M	$0-100.0%	$41.0M
Share Buybacks	$97K+61.7%	$60K-3.2%	$62K	$0	N/A	N/A	$221K-10.5%	$247K

IBOC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

IBOC annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	46.5%-0.7pp	47.3%-4.2pp	51.5%-5.6pp	57.1%-6.7pp	63.8%+24.6pp	39.2%-2.5pp	41.6%-4.7pp	46.4%+8.4pp	37.9%+3.4pp	34.5%+0.1pp	34.5%-4.4pp	38.9%+4.1pp	34.8%+6.1pp	28.7%-1.7pp	30.4%
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
FCF Margin	53.4%+0.3pp	53.1%-2.8pp	55.9%-14.3pp	70.1%-0.5pp	70.7%+0.8pp	69.9%+12.6pp	57.3%+12.5pp	44.8%+0.8pp	44.0%+1.6pp	42.4%-4.0pp	46.3%+10.1pp	36.3%-7.6pp	43.8%+17.7pp	26.1%-12.3pp	38.4%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	43.5%-4.2pp	47.6%-0.1pp	47.7%-0.1pp	47.8%+2.5pp	45.3%+0.2pp	45.1%-8.3pp	53.4%+8.6pp	44.8%
Return on Equity	2.8%-0.3pp	3.1%-0.2pp	3.3%-0.2pp	3.5%+0.2pp	3.3%0.0pp	3.4%-0.8pp	4.1%+0.5pp	3.6%
Return on Assets	0.6%-0.1pp	0.6%0.0pp	0.6%0.0pp	0.7%0.0pp	0.6%0.0pp	0.6%-0.1pp	0.7%+0.1pp	0.6%
Debt-to-Equity	4.04-0.1x	4.120.0x	4.10-0.2x	4.29-0.2x	4.45-0.2x	4.620.0x	4.63-0.2x	4.78
FCF Margin	40.2%-13.9pp	54.1%-6.7pp	60.7%+11.3pp	49.5%+8.0pp	41.5%-20.5pp	62.0%+9.5pp	52.5%+3.3pp	49.2%

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

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Where International Bancshares Ranks

Frequently Asked Questions

What is International Bancshares's annual revenue?

International Bancshares (IBOC) reported $886.3M in total revenue for fiscal year 2025. This represents a 2.3% 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's revenue growing?

International Bancshares (IBOC) revenue grew by 2.3% year-over-year, from $866.0M to $886.3M in fiscal year 2025.

Is International Bancshares profitable?

Yes, International Bancshares (IBOC) reported a net income of $412.3M in fiscal year 2025, with a net profit margin of 46.5%.

What is International Bancshares's net profit margin?

International Bancshares (IBOC) had a net profit margin of 46.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does International Bancshares pay dividends?

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

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

International Bancshares (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's free cash flow?

International Bancshares (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's operating cash flow?

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

What are International Bancshares's total assets?

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

What are International Bancshares's capital expenditures?

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

Does International Bancshares buy back shares?

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

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

International Bancshares (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's return on assets (ROA)?

International Bancshares (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's Piotroski F-Score?

International Bancshares (IBOC) has a Piotroski F-Score of 3 out of 5 computable signals; 4 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's earnings high quality?

International Bancshares (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?

International Bancshares (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.