International Bancshares Corporation (IBOC) Earnings History
Elite Compounder31 years of earnings data (1995–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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International Bancshares Corporation (IBOC) Earnings Overview
As of November 8, 2026, International Bancshares Corporation (IBOC) reported trailing twelve-month net income of $419M, reflecting +0.8% year-over-year growth. The company earned $6.62 per diluted share over the past four quarters, with a net profit margin of 49.1%.
Looking at the long-term picture, IBOC's 5-year EPS compound annual growth rate (CAGR) stands at +20.4%, indicating exceptional earnings growth. The company achieved its highest annual net income of $412M in fiscal 2025, representing a new all-time high.
International Bancshares Corporation maintains industry-leading profitability with a gross margin of 98.2%, operating margin of 62.0%, and net margin of 49.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including TCBK ($139M net income, 29.4% margin), FFIN ($291M net income, 40.6% margin), CULP (-$4M net income, -5.0% margin), IBOC has outperformed on profitability metrics. Compare IBOC vs TCBK →
IBOC Earnings vs Peers
Earnings metrics vs comparable public companies
IBOC Historical Earnings Data (1995–2025)
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $412M | +0.8% | $520M | $6.62 | 49.1% | 62.0% |
| 2024 | $409M | -0.6% | $509M | $6.57 | 49.1% | 61.0% |
| 2023 | $412M | +37.1% | $524M | $6.62 | 49.4% | 62.8% |
| 2022 | $300M | +18.2% | $383M | $4.78 | 44.5% | 56.7% |
| 2021 | $254M | +51.8% | $322M | $4.00 | 42.8% | 54.3% |
| 2020 | $167M | -18.4% | $212M | $2.62 | 31.1% | 39.3% |
| 2019 | $205M | -5.0% | $260M | $3.12 | 34.8% | 44.2% |
| 2018 | $216M | +37.2% | $273M | $3.24 | 37.3% | 47.1% |
| 2017 | $157M | +17.5% | $222M | $2.36 | 29.9% | 42.1% |
| 2016 | $134M | -2.0% | $197M | $2.02 | 26.4% | 38.9% |
| 2015 | $137M | -10.7% | $207M | $2.05 | 26.9% | 40.7% |
| 2014 | $153M | +21.2% | $230M | $2.28 | 29.1% | 43.8% |
| 2013 | $126M | +17.2% | $183M | $1.88 | 25.4% | 36.7% |
| 2012 | $108M | -15.2% | $158M | $1.39 | 21.5% | 31.6% |
| 2011 | $127M | -2.2% | $191M | $1.69 | 24.2% | 36.4% |
| 2010 | $130M | -8.9% | $201M | $1.72 | 23.1% | 35.7% |
| 2009 | $143M | +8.0% | $221M | $1.90 | 24.3% | 37.5% |
| 2008 | $132M | +8.9% | $202M | $1.92 | 25.3% | 38.6% |
| 2007 | $121M | +3.7% | $177M | $1.75 | 25.5% | 37.2% |
| 2006 | $117M | -16.9% | $174M | $1.67 | 25.1% | 37.3% |
| 2005 | $141M | +18.3% | $212M | $1.98 | 30.0% | 45.2% |
| 2004 | $119M | -2.5% | $177M | $1.71 | 31.4% | 46.7% |
| 2003 | $122M | +21.4% | $183M | $1.80 | 34.8% | 52.1% |
| 2002 | $101M | +20.7% | $160M | $1.43 | 31.1% | 49.4% |
| 2001 | $83M | +10.9% | $125M | $1.15 | 31.0% | 46.5% |
| 2000 | $75M | +13.6% | $109M | $1.03 | 33.1% | 47.8% |
| 1999 | $66M | +23.3% | $103M | $0.89 | 30.6% | 47.6% |
| 1998 | $54M | +9.8% | $78M | $0.77 | 28.9% | 42.1% |
| 1997 | $49M | +10.3% | $74M | $0.70 | 29.2% | 44.1% |
| 1996 | $44M | +10.7% | $65M | $0.59 | 120.4% | 175.2% |
| 1995 | $40M | - | $58M | $0.71 | 128.6% | 187.3% |
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IBOC — Frequently Asked Questions
Quick answers to the most common questions about buying IBOC stock.
What is IBOC earnings per share (EPS)?
IBOC trailing twelve-month (TTM) diluted EPS is $6.62, reflecting +0.8% year-over-year growth. The 5-year EPS CAGR is +20.4%. Complete EPS history from 1995 to 2025 is available in the table on this page.
What is International Bancshares Corporation's net income?
International Bancshares Corporation (IBOC) trailing twelve-month net income is $419M as of 2025. Earnings grew +0.8% year-over-year. International Bancshares Corporation has been profitable for 31 consecutive years.
Is IBOC profitable?
Yes, IBOC is profitable with a TTM net income of $419M and a net profit margin of +49.1%. International Bancshares Corporation has generated profits for 31 consecutive years.
What is IBOC's earnings growth rate?
IBOC compound annual EPS growth rates (CAGR): 1-Year: +0.8%, 3-Year: +11.5%, 5-Year: +20.4%, 10-Year: +12.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2025.
What are IBOC's profit margins?
International Bancshares Corporation net profit margin is +49.1%, operating margin is +62.0%, and gross margin is +98.2%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +13.6%.
Is IBOC growing earnings?
IBOC earnings growth is slowing. Current YoY EPS growth of +0.8% trails the 5-year CAGR of +20.4%. TTM net income is $419M.
What was IBOC's best earnings year?
International Bancshares Corporation's highest annual net income on record is $412M, achieved in fiscal year 2025. Earnings history on this page spans 1995 to 2025 and includes all annual and quarterly figures.
What were IBOC's earnings last quarter?
IBOC's most recent reported quarter was Q3 2026. Net income was $114M with diluted EPS of $0.00. For a full breakdown of all quarters, see the quarterly earnings table on this page.