Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.07 | — | 9.71 | 9.88 | 10.34 | 10.11 | 8.54 | 9.34 | 9.17 | 9.00 | 7.94 | 6.53 | 6.82 |
| — | — | +13.8% | +5.7% | +12.7% | +12.3% | +7.5% | +43.1% | +34.4% | +37.0% | +16.6% | -17.7% | -37.4% | |
| P/S Ratio | 4.32 | — | 3.82 | 3.92 | 3.96 | 3.90 | 3.74 | 3.49 | 3.44 | 3.44 | 3.30 | 2.72 | 2.91 |
| — | — | +2.1% | +12.3% | +15.1% | +13.6% | +13.5% | +28.4% | +17.9% | +17.8% | +1.3% | -18.0% | -29.5% | |
| P/B Ratio | 1.40 | — | 1.27 | 1.37 | 1.37 | 1.36 | 1.41 | 1.35 | 1.38 | 1.41 | 1.38 | 1.24 | 1.25 |
| — | — | -9.6% | +1.0% | -0.9% | -3.6% | +2.0% | +9.4% | +10.2% | +13.8% | -1.7% | -8.7% | +4.0% | |
| P/FCF | 9.21 | — | 6.62 | 9.53 | 11.30 | 7.38 | 8.44 | 8.50 | 8.50 | 6.78 | 6.79 | 6.49 | 8.63 |
| — | — | -21.6% | +12.2% | +33.0% | +8.8% | +24.3% | +30.9% | -1.5% | +40.8% | -12.0% | +14.6% | +12.2% | |
| EV / EBITDA | 8.69 | — | 7.51 | 7.86 | 7.98 | 8.03 | 7.61 | 7.11 | 6.71 | 6.39 | 5.98 | 4.84 | 4.29 |
| — | — | -1.4% | +10.6% | +19.0% | +25.7% | +27.3% | +47.0% | +56.3% | +71.6% | +146.7% | +345.1% | +593.2% | |
| EV / EBIT | 9.08 | — | 7.87 | 8.19 | 8.33 | 8.40 | 7.93 | 7.42 | 7.01 | 6.68 | 6.22 | 5.04 | 4.47 |
| — | — | -0.8% | +10.4% | +18.8% | +25.8% | +27.4% | +47.4% | +56.9% | +72.1% | +146.8% | +341.2% | +572.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 78.3% | — | 78.6% | 79.3% | 77.9% | 77.4% | 78.7% | 76.2% | 76.8% | 75.8% | 79.8% | 81.0% | 82.8% |
| — | — | -0.1% | +4.0% | +1.4% | +2.1% | -1.4% | -5.9% | -7.3% | -12.0% | -10.9% | -10.7% | -11.1% | |
| Operating Margin | 49.4% | — | 50.5% | 50.1% | 48.1% | 48.1% | 50.8% | 47.6% | 48.2% | 48.5% | 53.0% | 52.5% | 54.2% |
| — | — | -0.6% | +5.1% | -0.1% | -0.7% | -4.0% | -9.3% | -11.1% | -14.1% | -13.4% | -1.2% | +12.5% | |
| Net Margin | 39.1% | — | 39.5% | 39.8% | 38.3% | 38.5% | 43.8% | 37.4% | 37.4% | 38.3% | 41.5% | 41.4% | 42.6% |
| — | — | -9.8% | +6.2% | +2.3% | +0.6% | +5.4% | -9.5% | -12.2% | -14.0% | -13.2% | -0.9% | +12.3% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.6% | 3.1% | 3.4% | 3.5% | 3.4% | 3.4% | 4.2% | 3.7% | 3.8% | 3.9% | 4.6% | 4.7% | 4.6% |
| — | -8.2% | -19.3% | -5.9% | -11.7% | -13.7% | -9.5% | -20.5% | -17.1% | -18.4% | -13.1% | +14.4% | +69.2% | |
| ROA | 2.5% | — | 0.6% | 0.7% | 0.6% | 0.6% | 0.7% | 0.6% | 0.6% | 0.6% | 0.7% | 0.7% | 0.7% |
| — | — | -11.6% | +3.3% | -2.7% | -5.4% | +2.5% | -8.4% | -6.2% | -3.6% | +6.4% | +34.7% | +87.3% | |
| ROIC | 10.5% | — | 2.6% | 2.7% | 2.5% | 2.6% | 2.9% | 2.8% | 2.9% | 2.9% | 3.4% | 3.5% | 3.5% |
| — | — | -8.6% | -4.1% | -11.8% | -12.7% | -17.1% | -21.6% | -18.2% | -19.3% | -3.8% | +37.7% | +103.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.22 | — | 0.22 | 0.25 | 0.26 | 0.25 | 0.23 | 0.30 | 0.28 | 0.28 | 0.27 | 0.28 | 0.26 |
| — | — | -7.4% | -16.6% | -8.4% | -11.2% | -11.8% | +5.6% | +10.7% | +15.6% | -5.9% | -48.4% | -50.4% | |
| Debt / EBITDA | 1.30 | — | 4.92 | 5.51 | 5.98 | 5.75 | 4.70 | 6.23 | 5.60 | 5.47 | 4.60 | 4.57 | 4.22 |
| — | — | +4.6% | -11.5% | +6.7% | +5.3% | +2.2% | +36.3% | +32.8% | +38.9% | +11.9% | -52.7% | -69.2% | |
| Current Ratio | 1.04 | — | 1.04 | 0.42 | 0.06 | 0.05 | 0.43 | 0.46 | 0.45 | 0.46 | 0.45 | 0.44 | 0.46 |
| — | — | +143.0% | -8.2% | -86.4% | -88.8% | -4.5% | +4.4% | -2.4% | -5.4% | -10.4% | -21.7% | -19.3% | |
| Quick Ratio | 1.04 | — | 1.04 | 0.42 | 0.06 | 0.05 | 0.43 | 0.46 | 0.45 | 0.46 | 0.45 | 0.44 | 0.46 |
| — | — | +143.0% | -8.2% | -86.4% | -88.8% | -4.5% | +4.4% | -2.4% | -5.4% | -10.4% | -21.7% | -19.3% | |
| Interest Coverage | 2.43 | — | 2.61 | 2.50 | 2.36 | 2.27 | 2.45 | 2.32 | 2.43 | 2.54 | 3.00 | 3.56 | 4.04 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorDCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare business quality, growth, and profitability against top sector peers.
Start ComparisonQuick answers to the most common questions about buying IBOC stock.
International Bancshares Corporation's current P/E is 11.1x. The average P/E over the last 3 quarters is 10.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
International Bancshares Corporation's current operating margin is 49.4%. Margins have been expanding 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.