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International Bancshares Corporation (IBOC) Total Return Calculator with Dividends Reinvested

International Bancshares Corporation

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The total return for International Bancshares Corporation (IBOC) stock is +20.08% over the past 12 months. So far it's up 10.70% this year. The 5-year total return is +61.31%, meaning $10,000 invested in IBOC stock 5 years ago would be worth $16,131 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in IBOC 1 year ago, it would be worth $12,019 today — you'd have gained $2,019 with dividends reinvested.

With Dividends Reinvested$12,019+20.19%

Price Only (No DRIP)$11,778+17.78%

Dividend Boost+$2412 payments · +2.41% extra

Period2025-05-07 → 2026-05-07

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in IBOC

1Y$12,008+$2,008 (+20.1%)20.1% CAGR

3Y$18,859+$8,859 (+88.6%)23.5% CAGR

5Y$16,131+$6,131 (+61.3%)10.0% CAGR

10Y$32,925+$22,925 (+229.3%)12.7% CAGR

15Y$52,358+$42,358 (+423.6%)11.7% CAGR

20Y$34,341+$24,341 (+243.4%)6.4% CAGR

30Y$216,177+$206,177 (+2061.8%)10.8% CAGR

Dividend Reinvestment History (2)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-08-15	$0.70	$68.28	+0.010252
2026-02-13	$0.73	$72.07	+0.010233

Loading IBOC total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+10.70%	—	+9.61%	+1.09 pp	$11,070
1Y	+20.08%	20.08%	+17.78%	+2.30 pp	$12,008
3Y	+88.59%	23.55%	+78.64%	+9.95 pp	$18,859
5Y	+61.31%	10.04%	+48.15%	+13.16 pp	$16,131
10Y	+229.25%	12.66%	+186.51%	+42.75 pp	$32,925
15Y	+423.58%	11.67%	+342.92%	+80.65 pp	$52,358
20Y	+243.41%	6.36%	+182.31%	+61.10 pp	$34,341
30Y	+2061.77%	10.79%	+1607.69%	+454.08 pp	$216,177

Risk & Highlights

Best Year+99.15%1997

Worst Year-25.93%2007

Max Drawdown-12.74%2025-08-27 → 2025-11-17 · Recovered 2025-12-11

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+1.50%	+0.40%	+1.1pp	+0.41%	+1.1pp
2025	+7.79%	+5.56%	+2.2pp	+16.64%	-8.9pp
2024	+19.61%	+17.16%	+2.4pp	+24.00%	-4.4pp
2023	+23.10%	+20.31%	+2.8pp	+24.81%	-1.7pp
2022	+9.69%	+6.89%	+2.8pp	-19.95%	+29.6pp

IBOC underperformed the S&P 500 by 10.29pp over the past year (+20.08% vs +30.37%).

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IBOC Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
IBOCInternational Bancshares Corporation	$4.6B	+7.4%	+10.7%	+20.1%	+2.3pp	+88.6%	+61.3%	+229.3%
TCBKTriCo Bancshares	$1.6B	+3.8%	+8.5%	+33.5%	+3.6pp	+78.3%	+21.6%	+129.4%
FFINFirst Financial Bankshares, Inc.	$4.6B	+6.1%	+8.5%	-3.2%	+2.2pp	+29.1%	-28.2%	+145.4%
CULPCulp, Inc.	$46M	+19.2%	+2.6%	-9.1%	—	-30.4%	-72.6%	-76.0%
SBSISouthside Bancshares, Inc.	$1.0B	+5.1%	+11.7%	+23.9%	+5.1pp	+38.1%	-3.6%	+63.4%
BOKFBOK Financial Corporation	$10.3B	+1.9%	+13.0%	+44.8%	+2.6pp	+79.4%	+59.4%	+168.5%
INDBIndependent Bank Corp.	$3.9B	+0.3%	+7.8%	+32.7%	+4.0pp	+77.6%	+11.6%	+109.5%
CADECadence Bank	$7.8B	—	-1.8%	+44.1%	+3.9pp	+146.0%	+52.3%	+122.6%
FISFidelity National Information Services, Inc.	$24.5B	+2.3%	-27.3%	-35.3%	+2.2pp	-6.6%	-63.2%	-13.2%
FISVFiserv, Inc.	$30.4B	+2.7%	-13.4%	-68.8%	—	-52.5%	-51.7%	+9.7%
JKHYJack Henry & Associates, Inc.	$10.6B	-7.8%	-17.8%	-13.6%	+1.4pp	-1.0%	+0.3%	+94.9%

Compare:IBOC vs TCBK IBOC vs FFIN IBOC vs CULP IBOC vs TCBK vs FFIN

About IBOC Dividend Returns

International Bancshares Corporation (IBOC) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of IBOC over the past year?

International Bancshares Corporation (IBOC) delivered a total return of 20.08% over the past year when dividends are reinvested. The price-only return was 17.78%, meaning dividends contributed an additional 2.30 percentage points to total returns.

Q2How much would $10,000 invested in IBOC be worth today?

A $10,000 investment in International Bancshares Corporation one year ago would be worth $12,008 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $11,778. Dividend reinvestment added $230 to the portfolio value.

Q3Does IBOC pay dividends?

Yes, International Bancshares Corporation (IBOC) pays dividends. In the last year, IBOC paid approximately $1.40 per share in dividends (1.91% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did IBOC beat the S&P 500?

No, International Bancshares Corporation (IBOC) underperformed the S&P 500 by 10.29 percentage points over the past year. IBOC delivered a total return of 20.08%, compared to the S&P 500's 30.37%. This means a passive S&P 500 index fund outperformed IBOC by 10.29pp during this period.

Q5What is IBOC's worst drawdown?

International Bancshares Corporation (IBOC) experienced a maximum drawdown of -12.74% over the past year, declining from its peak on 2025-08-27 to its trough on 2025-11-17. The stock recovered to its prior peak by 2025-12-11. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is IBOC's long-term total return over 10, 20, or 30 years?

Here are International Bancshares Corporation (IBOC)'s long-term returns with dividends reinvested. Over 10 years, the total return is 229.3% (12.7% CAGR) — $10,000 would have grown to $32,925. Over 20 years: 243.4% total return (6.4% CAGR) — $10,000 → $34,341. Over 30 years: 2061.8% total return (10.8% CAGR) — $10,000 → $216,177. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was IBOC's best and worst year?

International Bancshares Corporation's best calendar year was 1997 with a total return of 99.1%. Its worst year was 2007 with a total return of -25.9%. This range shows the volatility investors should expect — the difference between the best and worst year is 125.1 percentage points.