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International Bancshares Corporation(IBOC)Earnings, Financials & Key Ratios
IBOC•NASDAQ•Banking & Credit
$72.56
$4.51B mkt cap·11.0× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutInternational Bancshares Corporation, a financial holding company, provides commercial and retail banking services. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company 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, collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. As of February 28, 2022, the company had 170 branch facilities and 263 ATMs serving 76 communities in Texas and Oklahoma. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.Show more
- Net Interest Income$672M+2.4%
- Total Revenue$1.05B+1.0%
- Net Income$412M+0.8%
- Return on Equity13.63%-12.6%
- Net Interest Margin4.03%-3.4%
- Efficiency Ratio28.88%+2.8%
- ROA2.54%-4.2%
- Equity / Assets19.49%+9.7%
- Book Value per Share52.23+16.3%
- Tangible BV/Share47.69+18.2%
- Debt/Equity0.22-7.4%
IBOC Key Insights
International Bancshares Corporation (IBOC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 19.8%
- ✓Strong NIM of 4.0%
- ✓Efficient operations: 28.9% efficiency ratio
- ✓16 consecutive years of dividend growth
- ✓Well capitalized: 19.5% equity/assets
- ✓Good 3Y average ROE of 15.9%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
IBOC Price & Volume
International Bancshares Corporation (IBOC) stock price & volume — 10-year historical chart
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IBOC Growth Metrics
International Bancshares Corporation (IBOC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.67%
5 Years12.78%
3 Years13.91%
TTM-
Profit CAGR
10 Years11.67%
5 Years19.77%
3 Years11.15%
TTM0.76%
EPS CAGR
10 Years12.44%
5 Years20.37%
3 Years11.47%
TTM0.76%
Return on Capital
10 Years10.83%
5 Years13.71%
3 Years14.47%
Last Year5.42%
IBOC Recent Earnings
International Bancshares Corporation (IBOC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (100%)●Beat Revenue 0/12 qtrs (0%)
Q1 2026Latest
Feb 26, 2026EPS
$1.71
Est $1.63
+4.9%
Revenue
$271M
Est $271M
+0.0%
Q4 2025
Nov 6, 2025EPS
$1.74
Revenue
$273M
Q3 2025
Aug 7, 2025EPS
$1.61
Revenue
$262M
Q2 2025
May 5, 2025EPS
$1.56
Revenue
$252M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 26, 2026 | $1.71vs $1.63+4.9% | $271Mvs $271M+0.0% |
| Q4 2025 | Nov 6, 2025 | $1.74 | $273M |
| Q3 2025 | Aug 7, 2025 | $1.61 | $262M |
| Q2 2025 | May 5, 2025 | $1.56 | $252M |
Based on last 12 quarters of dataView full earnings history →
IBOC Peer Comparison
International Bancshares Corporation (IBOC) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 TCBK | 1.63B | 50.80 | 13.69 | 1.78% | 9.43% | 0.06 | ||
 FFIN | 4.64B | 32.60 | 20.90 | 18.79% | 13.25% | 0.12 | ||
 CULP | 45.46M | 3.59 | -2.35 | -5.37% | -3.64% | -13.33% | 0.31 | |
 SBSI | 992.54M | 33.37 | 14.57 | -8.12% | 8.49% | 0.87 | ||
 BOKF | 10.44B | 135.54 | 16.65 | 10.4% | 8.91% | 0.80 | ||
 INDB | 3.91B | 78.63 | 17.39 | 6.89% | 5.07% | 0.23 | ||
 CADE | 7.85B | 42.11 | 15.20 | 32.37% | 8.72% | 0.01 | ||
 FIS | 23.81B | 45.97 | 61.29 | 5.43% | 3.51% | 2.75% | 0.29 |
Compare IBOC vs Peers
International Bancshares Corporation (IBOC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
IBOC Income Statement
International Bancshares Corporation (IBOC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 376.2M | 413.15M | 433.77M | 387.89M | 371.27M | 487.63M | 663.5M | 656.72M | 672.42M |
| NII Growth % | 9.11% | 9.82% | 4.99% | -10.58% | -4.28% | 31.34% | 36.07% | -1.02% | 2.39% |
| Net Interest Margin % | 3.09% | 3.48% | 3.58% | 2.76% | 2.31% | 3.15% | 4.4% | 4.17% | 4.03% |
| Interest Income | 415.14M | 465.82M | 492.4M | 427.01M | 398.1M | 525.78M | 800.16M | 865.98M | 886.27M |
| Interest Expense | 38.93M | 52.67M | 58.63M | 39.12M | 26.83M | 38.16M | 136.66M | 209.26M | 213.85M |
| Loan Loss Provision | 11.22M | 6.11M | 18.84M | 45.38M | 7.96M | 21.65M | 34.58M | 31.8M | 15.09M |
| Non-Interest Income | 150.41M | 165.04M | 154.83M | 150.58M | 222.33M | 187.13M | 169.94M | 176.92M | 167.36M |
| Non-Interest Income % | 26.6% | 26.16% | 23.92% | 26.07% | 35.83% | 26.25% | 17.52% | 16.96% | 15.88% |
| Total Revenue | 565.54M▲ 0% | 630.86M▲ 11.6% | 647.23M▲ 2.6% | 577.59M▼ 10.8% | 620.43M▲ 7.4% | 712.91M▲ 14.9% | 970.1M▲ 36.1% | 1.04B▲ 7.5% | 1.05B▲ 1.0% |
| Revenue Growth % | 2.9% | 11.55% | 2.59% | -10.76% | 7.42% | 14.91% | 36.08% | 7.5% | 1.03% |
| Non-Interest Expense | 293.75M | 299.5M | 309.8M | 281.33M | 263.32M | 270.47M | 275.35M | 293.12M | 304.33M |
| Efficiency Ratio | 51.94% | 47.47% | 47.87% | 48.71% | 42.44% | 37.94% | 28.38% | 28.11% | 28.88% |
| Operating Income | 221.64M▲ 0% | 272.58M▲ 23.0% | 259.95M▼ 4.6% | 211.76M▼ 18.5% | 322.33M▲ 52.2% | 382.64M▲ 18.7% | 523.51M▲ 36.8% | 508.72M▼ 2.8% | 520.36M▲ 2.3% |
| Operating Margin % | 39.19% | 43.21% | 40.16% | 36.66% | 51.95% | 53.67% | 53.96% | 48.78% | 49.39% |
| Operating Income Growth % | 12.51% | 22.98% | -4.63% | -18.54% | 52.21% | 18.71% | 36.82% | -2.83% | 2.29% |
| Pretax Income | 221.64M▲ 0% | 272.58M▲ 23.0% | 259.95M▼ 4.6% | 211.76M▼ 18.5% | 322.33M▲ 52.2% | 382.64M▲ 18.7% | 523.51M▲ 36.8% | 508.72M▼ 2.8% | 520.36M▲ 2.3% |
| Pretax Margin % | 39.19% | 43.21% | 40.16% | 36.66% | 51.95% | 53.67% | 53.96% | 48.78% | 49.39% |
| Income Tax | 64.21M | 56.65M | 54.85M | 44.44M | 68.41M | 82.41M | 111.74M | 99.55M | 108.07M |
| Effective Tax Rate % | 28.97% | 20.78% | 21.1% | 20.99% | 21.22% | 21.54% | 21.35% | 19.57% | 20.77% |
| Net Income | 157.44M▲ 0% | 215.93M▲ 37.2% | 205.1M▼ 5.0% | 167.32M▼ 18.4% | 253.92M▲ 51.8% | 300.23M▲ 18.2% | 411.77M▲ 37.1% | 409.17M▼ 0.6% | 412.29M▲ 0.8% |
| Net Margin % | 27.84% | 34.23% | 31.69% | 28.97% | 40.93% | 42.11% | 42.45% | 39.23% | 39.13% |
| Net Income Growth % | 17.55% | 37.15% | -5.01% | -18.42% | 51.76% | 18.24% | 37.15% | -0.63% | 0.76% |
| Net Income (Continuing) | 157.44M | 215.93M | 205.1M | 167.32M | 253.92M | 300.23M | 411.77M | 409.17M | 412.29M |
| EPS (Diluted) | 2.36▲ 0% | 3.24▲ 37.3% | 3.12▼ 3.7% | 2.62▼ 16.0% | 4.00▲ 52.7% | 4.78▲ 19.5% | 6.62▲ 38.5% | 6.57▼ 0.8% | 6.62▲ 0.8% |
| EPS Growth % | 16.83% | 37.29% | -3.7% | -16.03% | 52.67% | 19.5% | 38.49% | -0.76% | 0.76% |
| EPS (Basic) | 2.38 | 3.27 | 3.13 | 2.63 | 4.01 | 4.79 | 6.63 | 6.58 | 6.63 |
| Diluted Shares Outstanding | 66.78M | 66.63M | 65.69M | 63.85M | 63.49M | 62.81M | 62.22M | 62.3M | 62.26M |
IBOC Balance Sheet
International Bancshares Corporation (IBOC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 4.42B | 3.73B | 3.64B | 5.08B | 7.42B | 6.51B | 5.47B | 5.34B | 536.49M |
| Cash & Due from Banks | 265.36M | 316.8M | 256.82M | 2B | 3.21B | 2.09B | 651.06M | 352.65M | 536.49M |
| Short Term Investments | 4.15B | 3.41B | 3.38B | 3.08B | 4.21B | 4.42B | 4.82B | 4.99B | 0 |
| Total Investments | 10.73B | 10.26B | 10.54B | 10.78B | 11.62B | 12.09B | 13.08B | 14.01B | 14.75B |
| Investments Growth % | 1.25% | -4.41% | 2.78% | 2.25% | 7.81% | 4.05% | 8.16% | 7.12% | 5.27% |
| Long-Term Investments | 6.6B | 6.84B | 7.16B | 7.7B | 7.41B | 7.67B | 8.25B | 9.02B | 14.75B |
| Accounts Receivables | 34.46M | 36.8M | 36.62M | 37.88M | 30.59M | 45.79M | 65.3M | 72.17M | 0 |
| Goodwill & Intangibles | 282.53M | 282.53M | 282.53M | 282.53M | 282.53M | 282.53M | 282.53M | 282.53M | 282.53M |
| Goodwill | 282.53M | 282.53M | 282.53M | 282.53M | 282.53M | 282.53M | 282.53M | 282.53M | 282.53M |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 514.45M | 506.9M | 506.6M | 479.88M | 447.08M | 431.61M | 437.09M | 428.22M | 422.99M |
| Other Assets | 358.95M | 473.02M | 489.81M | 454.46M | 457.73M | 563.73M | 553.7M | 595.54M | 505.76M |
| Total Current Assets | 4.42B | 3.76B | 3.67B | 5.12B | 7.45B | 6.55B | 5.54B | 5.41B | 608.92M |
| Total Non-Current Assets | 7.76B | 8.11B | 8.44B | 8.91B | 8.59B | 8.95B | 9.53B | 10.33B | 16.07B |
| Total Assets | 12.18B▲ 0% | 11.87B▼ 2.6% | 12.11B▲ 2.0% | 14.03B▲ 15.8% | 16.05B▲ 14.4% | 15.5B▼ 3.4% | 15.07B▼ 2.8% | 15.74B▲ 4.5% | 16.68B▲ 6.0% |
| Asset Growth % | 3.22% | -2.57% | 2.03% | 15.82% | 14.38% | -3.39% | -2.81% | 4.46% | 5.98% |
| Return on Assets (ROA) | 1.31% | 1.8% | 1.71% | 1.28% | 1.69% | 1.9% | 2.69% | 2.66% | 2.54% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 1.71B | 1.1B | 997.69M | 999.12M | 1.01B | 576.78M | 650.03M | 654.73M | 704.74M |
| Net Debt | 1.44B | 779.27M | 740.87M | -998.12M | -2.2B | -1.51B | -1.03M | 302.08M | 168.26M |
| Long-Term Debt | 1.36B | 866.08M | 761.15M | 570.97M | 570.78M | 145.59M | 119.61M | 119.41M | 119.2M |
| Short-Term Debt | 353.81M | 229.99M | 236.54M | 428.15M | 439.67M | 431.19M | 530.42M | 535.32M | 585.54M |
| Other Liabilities | 91.38M | 139.75M | 171.12M | 130.49M | 109.43M | 219.93M | 143.83M | 175.57M | 12.62B |
| Total Current Liabilities | 8.9B | 8.93B | 9.06B | 11.15B | 13.06B | 13.09B | 12.35B | 12.65B | 585.54M |
| Total Non-Current Liabilities | 1.45B | 1.01B | 932.27M | 701.46M | 680.21M | 365.52M | 263.44M | 294.98M | 12.84B |
| Total Liabilities | 10.35B | 9.93B | 9.99B | 11.85B | 13.74B | 13.46B | 12.62B | 12.94B | 13.43B |
| Total Equity | 1.84B▲ 0% | 1.94B▲ 5.5% | 2.12B▲ 9.2% | 2.18B▲ 2.8% | 2.31B▲ 6.0% | 2.04B▼ 11.4% | 2.45B▲ 19.7% | 2.8B▲ 14.3% | 3.25B▲ 16.3% |
| Equity Growth % | 6.63% | 5.47% | 9.2% | 2.83% | 5.99% | -11.42% | 19.71% | 14.26% | 16.27% |
| Equity / Assets (Capital Ratio) | 15.09% | 16.34% | 17.49% | 15.52% | 14.39% | 13.19% | 16.25% | 17.77% | 19.49% |
| Return on Equity (ROE) | 8.84% | 11.43% | 10.11% | 7.79% | 11.32% | 13.79% | 18.33% | 15.6% | 13.63% |
| Book Value per Share | 27.54 | 29.11 | 32.25 | 34.11 | 36.36 | 32.55 | 39.34 | 44.89 | 52.23 |
| Tangible BV per Share | 23.31 | 24.87 | 27.94 | 29.68 | 31.91 | 28.06 | 34.80 | 40.36 | 47.69 |
| Common Stock | 96.02M | 96.1M | 96.22M | 96.24M | 96.35M | 96.42M | 96.47M | 96.62M | 96.66M |
| Additional Paid-in Capital | 171.82M | 145.28M | 148.07M | 149.33M | 152.14M | 154.06M | 155.51M | 159.33M | 160.86M |
| Retained Earnings | 1.89B | 2.06B | 2.2B | 2.29B | 2.47B | 2.7B | 3.03B | 3.36B | 3.68B |
| Accumulated OCI | -28.4M | -54.63M | 2.35M | 20.82M | -31.98M | -470.5M | -397.89M | -379.05M | -246.32M |
| Treasury Stock | -292.26M | -311.31M | -329.15M | -378.03M | -378.74M | -430.79M | -435.4M | -436.37M | -440.97M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
IBOC Cash Flow Statement
International Bancshares Corporation (IBOC) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 196.82M | 229.85M | 311.56M | 305.13M | 291.68M | 387.94M | 474.43M | 473.95M | 512.96M |
| Operating CF Growth % | -3.15% | 16.78% | 35.55% | -2.06% | -4.41% | 33% | 22.29% | -0.1% | 8.23% |
| Net Income | 157.44M | 215.93M | 205.1M | 167.32M | 253.92M | 300.23M | 411.77M | 409.17M | 412.29M |
| Depreciation & Amortization | 25.31M | 25.87M | 28.27M | 28.32M | 25.03M | 21.82M | 21.94M | 22.52M | 23.35M |
| Deferred Taxes | 4.57M | 5.14M | 3.31M | -3.12M | 3.54M | 10.62M | 22.95M | -11.47M | 0 |
| Other Non-Cash Items | 26.41M | 11.12M | 33.52M | 84.5M | -18.31M | 15.02M | 33.49M | 27.43M | 47.21M |
| Working Capital Changes | -17.81M | -29.26M | 40.38M | 27.38M | 26.99M | 39.8M | -16.05M | 26.07M | 30.11M |
| Cash from Investing | -403.81M | 379.44M | -318.06M | -343.7M | -915.89M | -992.03M | -1.07B | -985.06M | -613.59M |
| Purchase of Investments | -1.21B | -90.76M | -946.1M | -1.86B | -2.92B | -1.53B | -1.11B | -1.03B | -944.06M |
| Sale/Maturity of Investments | 1.18B | 737.36M | 977.06M | 2.1B | 1.62B | 759.09M | 682.41M | 839.51M | 1.01B |
| Net Investment Activity | -32.04M | 646.6M | 30.97M | 237.79M | -1.3B | -775.83M | -428.06M | -193.08M | 69.25M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 23K |
| Other Investing | -357.46M | -245.76M | -319.44M | -574.77M | 392.65M | -196.99M | -611.64M | -777.84M | -664.75M |
| Cash from Financing | 203.15M | -557.85M | -53.48M | 1.78B | 1.84B | -517.43M | -843.89M | 212.71M | 284.47M |
| Dividends Paid | -43.59M | -49.6M | -68.67M | -69.93M | -72.84M | -75.38M | -78.25M | -82.08M | -87.06M |
| Share Repurchases | -187K | -19.04M | -17.84M | -48.88M | -716K | -52.05M | -4.61M | -963K | -4.61M |
| Stock Issued | 1.46M | 1.52M | 1.92M | 542K | 2.41M | 1.54M | 1.17M | 3.76M | 0 |
| Net Stock Activity | 1.27M | -17.52M | -15.92M | -48.34M | 1.7M | -50.51M | -3.44M | 2.79M | -4.61M |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | -1000K | -189K | -1000K | -1000K | -204K | -209K |
| Other Financing | -216.38M | -1.17M | 136.04M | 2.09B | 1.91B | 33.65M | -736.23M | 292.2M | 376.35M |
| Net Change in Cash | -3.84M▲ 0% | 51.44M▲ 1439.2% | -59.98M▼ 216.6% | 1.74B▲ 3001.8% | 1.21B▼ 30.4% | -1.12B▼ 192.5% | -1.44B▼ 28.1% | -298.41M▲ 79.2% | 183.83M▲ 161.6% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 269.2M | 265.36M | 316.8M | 256.82M | 2B | 3.21B | 2.09B | 651.06M | 352.65M |
| Cash at End | 265.36M | 316.8M | 256.82M | 2B | 3.21B | 2.09B | 651.06M | 352.65M | 536.49M |
| Interest Paid | 38.99M | 50.62M | 56.73M | 41.98M | 29.01M | 36.35M | 117.94M | 201.83M | 0 |
| Income Taxes Paid | 66.98M | 40.56M | 44.09M | 34.83M | 47.39M | 22.12M | 69.8M | 51.24M | 0 |
| Free Cash Flow | 182.5M▲ 0% | 208.45M▲ 14.2% | 281.98M▲ 35.3% | 298.41M▲ 5.8% | 281.29M▼ 5.7% | 368.73M▲ 31.1% | 446.94M▲ 21.2% | 459.8M▲ 2.9% | 494.83M▲ 7.6% |
| FCF Growth % | 11.04% | 14.22% | 35.27% | 5.83% | -5.74% | 31.08% | 21.21% | 2.88% | 7.62% |
IBOC Banking Ratios
International Bancshares Corporation (IBOC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 7.9% | 8.84% | 11.43% | 10.11% | 7.79% | 11.32% | 13.79% | 18.33% | 15.6% | 13.63% |
| Return on Assets (ROA) | 1.14% | 1.31% | 1.8% | 1.71% | 1.28% | 1.69% | 1.9% | 2.69% | 2.66% | 2.54% |
| Net Interest Margin | 2.92% | 3.09% | 3.48% | 3.58% | 2.76% | 2.31% | 3.15% | 4.4% | 4.17% | 4.03% |
| Efficiency Ratio | 52.7% | 51.94% | 47.47% | 47.87% | 48.71% | 42.44% | 37.94% | 28.38% | 28.11% | 28.88% |
| Equity / Assets | 14.61% | 15.09% | 16.34% | 17.49% | 15.52% | 14.39% | 13.19% | 16.25% | 17.77% | 19.49% |
| Book Value / Share | 26.01 | 27.54 | 29.11 | 32.25 | 34.11 | 36.36 | 32.55 | 39.34 | 44.89 | 52.23 |
| NII Growth | -2.17% | 9.11% | 9.82% | 4.99% | -10.58% | -4.28% | 31.34% | 36.07% | -1.02% | 2.39% |
| Dividend Payout | 29.54% | 27.69% | 22.97% | 33.48% | 41.79% | 28.69% | 25.11% | 19% | 20.06% | 21.12% |
IBOC SEC Filings & Documents
International Bancshares Corporation (IBOC) SEC filings — annual & quarterly reports (10-K, 10-Q)
IBOC Frequently Asked Questions
International Bancshares Corporation (IBOC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
International Bancshares Corporation (IBOC) grew revenue by 1.0% over the past year. Growth has been modest.
Yes, International Bancshares Corporation (IBOC) is profitable, generating $412.3M in net income for fiscal year 2025 (39.1% net margin).
Dividend & Returns
Yes, International Bancshares Corporation (IBOC) pays a dividend with a yield of 1.93%. This makes it attractive for income-focused investors.
International Bancshares Corporation (IBOC) has a return on equity (ROE) of 13.6%. This is reasonable for most industries.
Industry Metrics
International Bancshares Corporation (IBOC) has a net interest margin (NIM) of 4.0%. This indicates healthy earnings from lending activities.
International Bancshares Corporation (IBOC) has an efficiency ratio of 28.9%. This is excellent, indicating strong cost control.
Explore More IBOC
International Bancshares Corporation (IBOC) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates