International Bancshares Corporation IBOC R2K

Financial Services · Banks - Regional · United States

https://www.ibc.com

International Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collections, escrow, drive up and walk up facilities, and other customary banking services; and internet and mobile banking services, as well as securities products through third party providers. The company offers its banking services through ATM network and retail locations in shopping malls and other places. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.

Market & Price

Market Cap

$4.49B

Current Price

$72.16

High / Low (52W)

$73.83 / $60.47

Beta

0.70

Valuation

Stock P/E

10.77

Industry PE

12.01

Forward P/E

PEG Ratio

0.98

Book Value

$52.30

Price to Book

1.38

P/S

5.36

EV/EBITDA

Dividend Yield

1.98%

Profitability & Returns

ROCE

ROE

13.51%

ROA

2.52%

Profit Margin

49.85%

Op Margin

63.95%

EPS (Latest Qtr)

$1.64

EPS (TTM)

$6.70

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$724.00M

Total Assets

$16.58B

Current Assets

Working Capital

Ownership

Promoter Holding

13.09%

Chg in Prom Hold

FII / Inst Holding

72.01%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$4.63B

Total Revenue (TTM)

$837.62M

EBITDA

Free Cash Flow

Operating Cash Flow

$471.32M

Shares Outstanding

62.18M

Gross Margin

0.00%

Payout Ratio

21.34%

Growth (CAGR)

Revenue 5Y

7.67%

Profit 5Y

11.15%

Revenue (YoY)

5.40%

Earnings (YoY)

5.30%

PROS

Excellent profit margin of 49.9%.
Profit CAGR of 11.2% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	IBOC International Bancshares Corporation R2K	72.16	10.77	$4.49B	1.98%	-	13.51%	7.67%	11.15%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2014	Jun 2014	Sep 2014	Dec 2014	Mar 2015	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	198.22M	208.16M	218.08M	217.71M	208.46M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	53.42M	53.47M	54.55M	52.41M	48.97M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	121.12M	125.96M	136.49M	136.79M	129.39M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	24.23M	25.82M	28.12M	29.91M	27.20M
Net Income	43.65M	37.72M	33.23M	-	35.86M	33.88M	32.02M	-	32.98M	29.69M	35.79M	32.00M	40.57M	39.63M	53.42M	52.89M	51.09M	51.91M	50.02M	51.44M	34.84M	41.51M	42.74M	50.77M	92.03M	54.60M	53.49M	57.97M	83.36M	101.64M	100.48M	103.26M	97.33M	96.98M	-	96.89M	100.14M	108.38M	106.88M	102.19M
Diluted EPS	0.65	0.56	0.50	0.57	0.54	0.51	0.48	0.52	0.50	0.45	0.54	0.48	0.61	0.59	0.80	0.79	0.77	0.79	0.76	0.78	0.53	0.65	0.67	0.80	1.45	0.86	0.84	0.92	1.34	1.63	1.62	1.66	1.56	1.56	1.60	1.56	1.61	1.74	-	1.64

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	674.76M	833.44M	833.64M	842.17M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	38.16M	136.66M	209.26M	213.85M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	382.64M	523.51M	508.72M	520.36M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	82.41M	111.74M	99.55M	108.07M
Net Income	132.11M	142.74M	130.02M	127.15M	107.83M	126.35M	153.15M	136.73M	133.93M	157.44M	215.93M	205.10M	167.32M	-	300.23M	411.77M	409.17M	412.29M
Diluted EPS	1.92	1.90	1.72	1.69	1.39	1.88	2.28	2.05	2.02	2.36	3.24	3.12	2.62	-	4.78	6.62	6.57	6.62

Compounded Sales Growth

5 Years:	7.67%
1 Year:	5.40%

Compounded Profit Growth

5 Years:	11.15%
1 Year:	5.30%

Stock Price Performance

1 Year:	+17.56%
6 Months:	+8.98%
3 Months:	+7.52%
1 Month:	+1.41%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	11.76B	11.94B	11.74B	11.88B	12.08B	12.20B	11.77B	11.80B	12.18B	11.87B	12.11B	14.03B	16.05B	15.50B	15.07B	15.74B	16.58B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	346.05M	298.72M	224.64M	197.81M	261.88M	283.10M	255.15M	255.15M	273.05M	269.20M	265.36M	316.80M	256.82M	2.00B	3.21B	2.09B	651.06M	352.65M	536.49M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	45.79M	65.30M	72.17M	72.43M
Total Liabilities	-	-	10.36B	10.48B	10.14B	10.45B	10.66B	10.62B	10.11B	10.08B	10.35B	9.93B	9.99B	11.85B	13.74B	13.46B	12.62B	12.94B	13.32B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	145.59M	119.61M	119.41M	119.20M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	145.59M	119.61M	119.41M	119.20M
Total Equity	-	1.26B	1.41B	1.46B	1.60B	1.44B	1.42B	1.58B	1.67B	1.72B	1.84B	1.94B	2.12B	2.18B	2.31B	2.04B	2.45B	2.80B	3.25B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	96.42M	96.47M	96.62M	96.66M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	154.10M	141.77M	127.22M	-	-	-	-	203.65M	203.22M	196.82M	229.85M	311.56M	305.13M	291.68M	387.94M	474.43M	473.95M	491.06M
Investing Cash Flow	-1.25B	679.15M	-204.51M	-	-	-	-	373.23M	-137.76M	-403.81M	379.44M	-318.06M	-343.70M	-915.89M	-992.03M	-1.07B	-985.06M	-591.69M
Financing Cash Flow	1.05B	-895.00M	50.46M	-	-	-	-	-558.97M	-69.31M	203.15M	-557.85M	-53.48M	1.78B	1.84B	-517.43M	-843.89M	212.71M	284.47M
Capital Expenditure	-68.54M	-61.02M	-15.95M	-20.39M	-62.03M	-50.02M	-50.36M	-19.83M	-38.86M	-14.31M	-21.39M	-29.59M	-6.72M	-10.39M	-19.21M	-27.50M	-14.15M	-18.12M
Free Cash Flow	85.57M	80.75M	111.27M	-	-	-	-	183.82M	164.36M	182.50M	208.45M	281.98M	298.41M	281.29M	368.73M	446.94M	459.80M	472.94M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.12B	-1.44B	-298.41M	183.84M
Share Buybacks	1.08M	9.35M	6.95M	6.43M	1.72M	-	18.92M	6.68M	7.97M	187.00K	19.04M	17.84M	48.88M	716.00K	52.05M	4.61M	963.00K	4.61M

Ratios (Annual)

Figures in %.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	44.5%	49.4%	49.1%	49.0%
ROE %	10.5%	10.1%	8.9%	7.9%	7.5%	8.9%	9.7%	8.2%	7.8%	8.6%	11.1%	9.7%	7.7%	-	14.7%	16.8%	14.6%	12.7%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

13.09%

Institutions

72.01%

Public Float

82.86%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	10.69%	6.65M	$479.51M
2	Vanguard Portfolio Management LLC	5.47%	3.40M	$245.46M
3	American Century Companies Inc	5.19%	3.23M	$232.97M
4	Dimensional Fund Advisors LP	5.13%	3.19M	$229.96M
5	State Street Corporation	4.22%	2.62M	$189.41M
6	Vanguard Capital Management LLC	3.98%	2.47M	$178.56M
7	Geode Capital Management, LLC	2.40%	1.49M	$107.58M
8	Azora Capital Lp	2.11%	1.31M	$94.72M
9	T. Rowe Price Investment Management, Inc.	1.87%	1.16M	$83.88M
10	First Trust Advisors LP	1.83%	1.14M	$82.09M

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