International Bancshares Corporation (IBOC) Earnings History
Annual and quarterly earnings data from 1995 to 2025
Loading earnings history...
IBOC EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
IBOC Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 78.3% | 49.4% | 39.1% |
| 2024 | 76.9% | 48.8% | 39.2% |
| 2023 | 82.3% | 54.0% | 42.4% |
| 2022 | 91.6% | 53.7% | 42.1% |
| 2021 | 94.4% | 52.0% | 40.9% |
Download Data
Export IBOC earnings history in CSV or JSON format
Free sign-in required to download data
International Bancshares Corporation (IBOC) Earnings Overview
As of May 8, 2026, International Bancshares Corporation (IBOC) reported trailing twelve-month net income of $418M, 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 39.1%.
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 78.3%, operating margin of 49.4%, and net margin of 39.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including TCBK ($122M net income, 22.8% margin), FFIN ($243M net income, 30.2% margin), CULP (-$7M net income, -9.0% 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 | 39.1% | 49.4% |
| 2024 | $409M | -0.6% | $509M | $6.57 | 39.2% | 48.8% |
| 2023 | $412M | +37.1% | $524M | $6.62 | 42.4% | 54.0% |
| 2022 | $300M | +18.2% | $383M | $4.78 | 42.1% | 53.7% |
| 2021 | $254M | +51.8% | $322M | $4.00 | 40.9% | 52.0% |
| 2020 | $167M | -18.4% | $212M | $2.62 | 29.0% | 36.7% |
| 2019 | $205M | -5.0% | $260M | $3.12 | 31.7% | 40.2% |
| 2018 | $216M | +37.2% | $273M | $3.24 | 34.2% | 43.2% |
| 2017 | $157M | +17.5% | $222M | $2.36 | 27.8% | 39.2% |
| 2016 | $134M | -2.0% | $197M | $2.02 | 24.4% | 35.8% |
See IBOC's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs IBOC Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare IBOC vs BRK-A
Side-by-side business, growth, and profitability comparison vs Berkshire Hathaway Inc..
Start ComparisonIBOC — Frequently Asked Questions
Quick answers to the most common questions about buying IBOC stock.
Is IBOC growing earnings?
IBOC EPS of $6.62 reflects slowing growth at +0.8%, below the 5-year CAGR of +20.4%. TTM net income is $418M. Expansion rate has moderated.
What are IBOC's profit margins?
International Bancshares Corporation net margin is +39.1%, with operating margin at +49.4%. Above-average margins indicate pricing power.
How consistent are IBOC's earnings?
IBOC earnings data spans 1995-2025. The current earnings trend is +0.8% YoY. Historical data enables comparison across business cycles.