Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.21 | — | 12.33 | 10.26 | 9.71 | 9.88 | 10.34 | 10.11 | 8.54 | 9.34 | 9.17 | 9.00 | 7.94 | 6.53 | 6.82 | 6.57 | 6.81 | 7.93 | 10.89 | 12.56 | 11.91 |
| — | — | +19.3% | +1.5% | +13.8% | +5.7% | +12.7% | +12.3% | +7.5% | +43.1% | +34.4% | +37.0% | +16.6% | -17.7% | -37.4% | -47.7% | -42.8% | -34.5% | +47.1% | -13.4% | -3.3% | |
| P/S Ratio | 10.11 | — | 5.50 | 5.03 | 4.74 | 4.90 | 4.97 | 4.96 | 4.73 | 4.40 | 4.29 | 4.25 | 4.00 | 3.19 | 3.37 | 3.24 | 3.50 | 3.49 | 4.33 | 5.02 | 4.96 |
| — | — | +10.6% | +1.4% | +0.3% | +11.6% | +16.0% | +16.7% | +18.0% | +37.8% | +27.4% | +30.9% | +14.5% | -8.6% | -22.2% | -35.3% | -29.5% | -25.2% | +20.0% | -13.3% | +9.8% | |
| P/B Ratio | 1.29 | — | 1.40 | 1.27 | 1.27 | 1.37 | 1.37 | 1.36 | 1.41 | 1.35 | 1.38 | 1.41 | 1.38 | 1.24 | 1.25 | 1.24 | 1.40 | 1.36 | 1.21 | 1.25 | 1.16 |
| — | — | +2.2% | -6.1% | -9.6% | +1.0% | -0.9% | -3.6% | +2.0% | +9.4% | +10.2% | +13.8% | -1.7% | -8.7% | +4.0% | -0.9% | +20.7% | +17.7% | +1.0% | -7.1% | +7.0% | |
| P/FCF | 30.89 | — | 13.35 | 9.02 | 7.60 | 9.53 | 11.30 | 7.38 | 8.44 | 8.50 | 8.50 | 6.78 | 6.79 | 6.49 | 8.63 | 4.82 | 7.72 | 5.67 | 7.69 | 8.75 | 10.67 |
| — | — | +18.1% | +22.3% | -10.0% | +12.2% | +33.0% | +8.8% | +24.3% | +30.9% | -1.5% | +40.8% | -12.0% | +14.6% | +12.2% | -44.9% | -27.7% | -51.4% | -23.5% | +11.6% | +61.9% | |
| EV / EBITDA | 10.76 | — | 9.83 | 7.98 | 7.51 | 7.86 | 7.98 | 8.03 | 7.61 | 7.11 | 6.71 | 6.39 | 5.98 | 4.84 | 4.29 | 3.72 | 2.42 | 1.09 | 0.62 | 1.00 | 1.58 |
| — | — | +23.2% | -0.6% | -1.4% | +10.6% | +19.0% | +25.7% | +27.3% | +47.0% | +56.3% | +71.6% | +146.7% | +345.1% | +593.2% | +273.3% | +52.9% | -75.8% | -78.0% | -85.8% | -68.1% | |
| EV / EBIT | 8.40 | — | 10.34 | 8.36 | 7.87 | 8.19 | 8.33 | 8.40 | 7.93 | 7.42 | 7.01 | 6.68 | 6.22 | 5.04 | 4.47 | 3.88 | 2.52 | 1.14 | 0.66 | 1.08 | 1.71 |
| — | — | +24.1% | -0.5% | -0.8% | +10.4% | +18.8% | +25.8% | +27.4% | +47.4% | +56.9% | +72.1% | +146.8% | +341.2% | +572.7% | +260.1% | +47.1% | -76.6% | -77.6% | -86.1% | -69.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 98.2% | — | 94.8% | 98.5% | 97.5% | 99.2% | 97.9% | 98.3% | 99.3% | 95.9% | 95.8% | 93.7% | 96.8% | 95.1% | 95.7% | 95.8% | 96.1% | 95.5% | 97.4% | 98.9% | 97.9% |
| — | — | -3.1% | +0.2% | -1.9% | +3.4% | +2.2% | +4.9% | +2.6% | +0.9% | +0.1% | -2.2% | +0.7% | -0.5% | -1.8% | -3.1% | -1.8% | -2.6% | -2.0% | -0.2% | +5.0% | |
| Operating Margin | 62.0% | — | 56.4% | 62.1% | 62.7% | 62.6% | 60.5% | 61.1% | 64.2% | 60.0% | 60.1% | 59.9% | 64.3% | 61.6% | 62.6% | 62.7% | 65.7% | 55.9% | 50.4% | 50.9% | 52.5% |
| — | — | -6.8% | +1.7% | -2.3% | +4.4% | +0.7% | +2.1% | -0.2% | -2.7% | -4.0% | -4.6% | -2.1% | +10.2% | +24.2% | +23.3% | +25.1% | +14.5% | -19.3% | +1.4% | +11.2% | |
| Net Margin | 49.1% | -50.7% | 44.6% | 49.1% | 49.0% | 49.7% | 48.1% | 48.9% | 55.3% | 47.1% | 46.7% | 47.3% | 50.4% | 48.5% | 49.2% | 49.5% | 51.4% | 43.9% | 39.7% | 40.1% | 41.7% |
| — | -202.0% | -7.3% | +0.4% | -11.4% | +5.5% | +3.1% | +3.4% | +9.6% | -3.0% | -5.2% | -4.4% | -1.9% | +10.5% | +24.1% | +23.5% | +23.0% | +14.0% | -18.4% | +0.4% | +13.5% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.6% | 3.4% | 2.9% | 3.1% | 3.4% | 3.5% | 3.4% | 3.4% | 4.2% | 3.7% | 3.8% | 3.9% | 4.6% | 4.7% | 4.6% | 4.8% | 5.3% | 4.1% | 2.7% | 2.4% | 2.5% |
| — | -3.3% | -15.0% | -8.2% | -19.3% | -5.9% | -11.7% | -13.7% | -9.5% | -20.5% | -17.1% | -18.4% | -13.1% | +14.4% | +69.2% | +101.5% | +114.6% | +72.6% | -33.5% | +3.3% | +10.0% | |
| ROA | 2.5% | — | 0.6% | 0.6% | 0.6% | 0.7% | 0.6% | 0.6% | 0.7% | 0.6% | 0.6% | 0.6% | 0.7% | 0.7% | 0.7% | 0.7% | 0.7% | 0.5% | 0.4% | 0.3% | 0.4% |
| — | — | -7.5% | +0.8% | -11.6% | +3.3% | -2.7% | -5.4% | +2.5% | -8.4% | -6.2% | -3.6% | +6.4% | +34.7% | +87.3% | +99.6% | +87.2% | +46.2% | -41.2% | -5.2% | +2.1% | |
| ROIC | 10.5% | — | 2.2% | 2.4% | 2.6% | 2.7% | 2.5% | 2.6% | 2.9% | 2.8% | 2.9% | 2.9% | 3.4% | 3.5% | 3.5% | 3.6% | 3.6% | 2.6% | 1.7% | 1.6% | 1.6% |
| — | — | -12.0% | -5.1% | -8.6% | -4.1% | -11.8% | -12.7% | -17.1% | -21.6% | -18.2% | -19.3% | -3.8% | +37.7% | +103.9% | +133.3% | +121.6% | +62.3% | -36.7% | +4.0% | +8.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.22 | — | 0.22 | 0.22 | 0.22 | 0.25 | 0.26 | 0.25 | 0.23 | 0.30 | 0.28 | 0.28 | 0.27 | 0.28 | 0.26 | 0.25 | 0.28 | 0.55 | 0.52 | 0.49 | 0.44 |
| — | — | -16.7% | -12.6% | -7.4% | -16.6% | -8.4% | -11.2% | -11.8% | +5.6% | +10.7% | +15.6% | -5.9% | -48.4% | -50.4% | -50.3% | -35.6% | +27.1% | +18.0% | +7.2% | -4.6% | |
| Debt / EBITDA | 1.30 | — | 5.74 | 5.34 | 4.92 | 5.51 | 5.98 | 5.75 | 4.70 | 6.23 | 5.60 | 5.47 | 4.60 | 4.57 | 4.22 | 3.94 | 4.11 | 9.66 | 13.70 | 14.45 | 13.14 |
| — | — | -3.9% | -7.2% | +4.6% | -11.5% | +6.7% | +5.3% | +2.2% | +36.3% | +32.8% | +38.9% | +11.9% | -52.7% | -69.2% | -72.8% | -68.7% | -27.0% | +70.4% | +1.1% | -9.4% | |
| Current Ratio | 1.04 | — | 0.86 | 1.09 | 1.04 | 0.42 | 0.06 | 0.05 | 0.43 | 0.46 | 0.45 | 0.46 | 0.45 | 0.44 | 0.46 | 0.48 | 0.50 | 0.56 | 0.58 | 0.57 | 0.57 |
| — | — | +1297.0% | +2048.5% | +143.0% | -8.2% | -86.4% | -88.8% | -4.5% | +4.4% | -2.4% | -5.4% | -10.4% | -21.7% | -19.3% | -15.9% | -12.3% | +3.2% | +8.4% | +12.8% | +24.4% | |
| Quick Ratio | 1.04 | — | 0.86 | 1.09 | 1.04 | 0.42 | 0.06 | 0.05 | 0.43 | 0.46 | 0.45 | 0.46 | 0.45 | 0.44 | 0.46 | 0.48 | 0.50 | 0.56 | 0.58 | 0.57 | 0.57 |
| — | — | +1297.0% | +2048.5% | +143.0% | -8.2% | -86.4% | -88.8% | -4.5% | +4.4% | -2.4% | -5.4% | -10.4% | -21.7% | -19.3% | -15.9% | -12.3% | +3.2% | +8.4% | +12.8% | +24.4% | |
| Interest Coverage | 2.43 | — | 2.46 | 2.64 | 2.61 | 2.50 | 2.36 | 2.27 | 2.45 | 2.32 | 2.43 | 2.54 | 3.00 | 3.56 | 4.04 | 5.61 | 8.87 | 10.75 | 11.02 | 10.64 | 10.76 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying IBOC stock.
International Bancshares Corporation's current P/E is 10.2x. The average P/E over the last 3 quarters is 10.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
International Bancshares Corporation's current operating margin is 62.0%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking International Bancshares Corporation's business trajectory between earnings reports.