International Bancshares Corp (IBOC) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, International Bancshares reported revenue of $842.2M, up 1.0% from $833.6M the year before. Net income was $412.3M (a 49.0% net margin), or $6.62 per diluted share. Net interest income was $672.4M, and the efficiency ratio (noninterest expense / revenue) was 36.4%. Operating activities generated $491.1M of cash, leaving $472.9M of free cash flow. At fiscal year end, International Bancshares held $16.58B in total assets against $13.32B in total liabilities, including $536.5M of cash and equivalents.
Open the full interactive International Bancshares financials → Quarterly statements, key ratios, valuation history and price charts.
International Bancshares Key Stats
| Share Price | $67.36 |
|---|---|
| Market Cap | $4.19B |
| P/E Ratio | 10.2 |
| Revenue YoY Growth | +1.0% |
| 52-Week Range | $62.16 – $77.07 |
| Shares Outstanding | 62.2 million (basic, 2026 Q2) |
International Bancshares Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $387.9M | $371.3M | $487.6M | $663.5M | $656.7M | $672.4M |
| Provision for Credit Losses | $45.4M | $8.0M | $21.7M | $34.6M | $31.8M | $15.1M |
| Noninterest Income | $150.6M | $222.3M | $187.1M | $169.9M | $176.9M | $169.8M |
| Noninterest Expense | $281.3M | $263.3M | $270.5M | $275.4M | $293.1M | $306.7M |
| Revenue | $538.5M | $593.6M | $674.8M | $833.4M | $833.6M | $842.2M |
| Pre-Tax Income | $211.8M | $322.3M | $382.6M | $523.5M | $508.7M | $520.4M |
| Income Tax | $44.4M | $68.4M | $82.4M | $111.7M | $99.6M | $108.1M |
| Net Income | $167.3M | $253.9M | $300.2M | $411.8M | $409.2M | $412.3M |
| Diluted EPS | $2.62 | $4.00 | $4.78 | $6.62 | $6.57 | $6.62 |
International Bancshares Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $218.1M | $217.7M | $208.5M | $214.8M |
| Net Income | $108.4M | $106.9M | $102.2M | $95.8M |
| Diluted EPS | $1.74 | $1.72 | $1.64 | $1.54 |
International Bancshares Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $2.00B | $3.21B | $2.09B | $651.1M | $352.7M | $536.5M |
| Loans (Net) | — | — | — | $7.90B | $8.65B | $9.30B |
| Total Assets | $14.03B | $16.05B | $15.50B | $15.07B | $15.74B | $16.58B |
| Deposits | $10.72B | $12.62B | $12.66B | $11.82B | $12.11B | $12.44B |
| Total Long-Term Debt | $571.0M | $570.8M | $145.6M | $119.6M | $119.4M | $119.2M |
| Total Liabilities | $11.85B | $13.74B | $13.46B | $12.62B | $12.94B | $13.32B |
| Shareholders' Equity | $2.18B | $2.31B | $2.04B | $2.45B | $2.80B | $3.25B |
International Bancshares Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $305.1M | $291.7M | $387.9M | $474.4M | $473.9M | $491.1M |
| Cash From Investing | -$343.7M | -$915.9M | -$992.0M | -$1.07B | -$985.1M | -$591.7M |
| Cash From Financing | $1.78B | $1.84B | -$517.4M | -$843.9M | $212.7M | $284.5M |
| Free Cash Flow | $298.4M | $281.3M | $368.7M | $446.9M | $459.8M | $472.9M |
Figures from International Bancshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full International Bancshares financials page for every line item.
International Bancshares Company Profile
| Ticker | IBOC |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Laredo, Texas |
| Incorporated in | Texas |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000315709 |
Frequently Asked Questions
What was International Bancshares' revenue in fiscal 2025?
International Bancshares (IBOC) reported revenue of $842.2M for fiscal 2025.
What is International Bancshares' annual revenue history?
International Bancshares' annual revenue by fiscal year: 2020: $538.5M; 2021: $593.6M; 2022: $674.8M; 2023: $833.4M; 2024: $833.6M; 2025: $842.2M.
What was International Bancshares' net income in fiscal 2025?
International Bancshares reported net income of $412.3M for fiscal 2025.
What was International Bancshares' earnings per share (EPS) in fiscal 2025?
International Bancshares' diluted EPS was $6.62 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did International Bancshares generate in fiscal 2025?
International Bancshares generated $472.9M of free cash flow in fiscal 2025.
What was International Bancshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), International Bancshares reported revenue of $214.8M.
How much debt does International Bancshares have?
International Bancshares reported $119.2M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of International Bancshares are outstanding?
International Bancshares reported a weighted average of 62.2 million basic shares outstanding in 2026 Q2.
What is International Bancshares' market cap?
Based on its latest closing price, International Bancshares (IBOC) has a market capitalization of about $4.19B.
When does International Bancshares' fiscal year end?
International Bancshares' fiscal year end, as registered with the SEC, is December 31.
Where is International Bancshares headquartered?
International Bancshares lists its business address in Laredo, Texas in its SEC filings.