INTERNATIONAL BANCSHARES CORP

IBOC

INTERNATIONAL BANCSHARES CORP

IBOC

Insider Sentiment (TTM):

Last Purchase:-Last Sale:2026-05-21Shares Purchased (TTM):0Shares Sold (TTM):10,000

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:40,292,942Shares Outstanding:62,175,289Institutional Ownership Pct.:64.81%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Cash Equivalents At Carrying Value	451	586	536	589	732	589	353	780	792	909	651	699
Marketable Securities
Debt Securities Held To Maturity Excluding Accrued…	4	4	4	4	4	4	4	4	4	4	3	3
Debt Securities Available For Sale Excluding Accru…	5,087	4,967	4,966	4,980	5,010	5,020	4,988	5,013	4,869	4,770	4,822	4,692
Equity Securities Fv Ni Current And Noncurrent	6	6	6	6	5	5	5	6	5	5	5	5
Short Term Investments	5,097	4,976	4,976	4,990	5,020	5,030	4,998	5,023	4,879	4,779	4,831	4,700
Financing Receivable Excluding Accrued Interest Be…	-	9,649	9,460	9,401	9,139	9,080	8,810	8,587	8,268	8,112	8,059	7,897
Financing Receivable Allowance For Credit Loss Exc…	-	-160	-159	-156	-155	-159	-157	-156	-149	-143	-157	-149
Financing Receivable Excluding Accrued Interest Af…	-	9,488	9,301	9,245	8,984	8,922	8,653	8,431	8,119	7,970	7,902	7,748
Property Plant And Equipment Net	421	422	423	426	428	430	428	436	434	438	437	434
Interest Receivable	78	75	72	77	75	72	72	73	72	66	65	58
Other Long Term Investments	430	442	448	381	376	367	357	325	343	351	343	369
Cash Surrender Value Of Life Insurance	312	312	310	309	307	305	303	301	299	301	303	304
Goodwill	283	283	283	283	283	283	283	283	283	283	283	283
Other Assets	257	243	226	251	258	273	292	242	271	263	250	314
Assets	17,022	16,826	16,576	16,551	16,462	16,270	15,739	15,892	15,492	15,361	15,066	14,908
Liabilities And Stockhold…
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities	4,474	4,473	4,486	4,579	4,720	4,782	4,612	4,722	4,852	4,985	5,031	5,216
Interest Bearing Deposit Liabilities	5,005	4,909	4,749	4,743	4,739	4,725	4,600	4,577	4,534	4,513	4,369	4,357
Time Deposits	3,258	3,241	3,201	3,134	3,016	2,946	2,900	2,802	2,645	2,518	2,425	2,343
Deposits	12,736	12,623	12,437	12,456	12,475	12,452	12,112	12,101	12,032	12,015	11,825	11,917
Securities Sold Under Agreements To Repurchase	612	605	586	664	616	590	535	706	612	585	530	504
Advances From Federal Home Loan Banks	10	10	10	10	60	30	11	11	11	11	11	11
Junior Subordinated Debenture Owed To Unconsolidat…	109	109	109	109	109	109	109	109	109	109	109	109
Other Liabilities	180	192	183	184	180	193	176	216	152	157	144	174
Liabilities	13,647	13,538	13,325	13,424	13,440	13,375	12,942	13,143	12,914	12,877	12,618	12,714
Stockholders Equity
Common Stock Value	97	97	97	97	97	97	97	97	97	97	96	96
Additional Paid In Capital	162	161	161	161	160	160	159	159	158	158	156	155
Retained Earnings Accumulated Deficit	3,834	3,738	3,681	3,575	3,510	3,410	3,356	3,241	3,182	3,085	3,029	2,923
Accumulated Other Comprehensive Income Loss Net Of…	-276	-267	-246	-263	-303	-334	-379	-311	-424	-420	-398	-545
Stockholders Equity Before Treasury Stock	3,816	3,729	3,693	3,569	3,463	3,331	3,233	3,186	3,013	2,920	2,883	2,629
Treasury Stock Common Value	-441	-441	-441	-441	-441	-436	-436	-436	-436	-436	-435	-435
Stockholders Equity	3,375	3,288	3,252	3,128	3,022	2,895	2,797	2,749	2,577	2,484	2,448	2,194
Liabilities And Stockholders Equity	17,022	16,826	16,576	16,551	16,462	16,270	15,739	15,892	15,492	15,361	15,066	14,908
Held To Maturity Securities Fair Value	4	4	4	4	4	4	4	4	4	4	3	3
Debt Securities Available For Sale Amortized Cost …	5,439	5,308	5,281	5,317	5,398	5,447	5,472	5,410	5,411	5,306	5,331	5,388
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	275	275	275	275	275	275	275	275	275	275	275	275
Common Stock Shares Issued	97	97	97	97	97	97	97	97	97	97	96	96
Treasury Stock Common Shares	34	34	34	34	34	34	34	34	34	34	34	34

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-1.50%	6.22%	4.82%	-	-	-	-	-	-	-	-	-
2025	-0.18%	6.07%	10.71%	4.94%	2.84%	0.26%	-1.23%	1.92%	1.53%	-5.82%	2.18%	0.08%
2024	-0.81%	-5.74%	12.76%	-0.80%	-2.22%	2.33%	4.53%	-8.81%	-6.09%	-3.82%	-10.45%	-1.14%
2023	-	-	-	-	-	-	0.40%	15.90%	16.43%	6.58%	6.29%	18.54%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.23	-0.22	-0.23	-0.22	-0.23	-0.23	0.12	0.64	1.63	4.19	4.83	5.90
Per Share Metrics
Diluted EPS TTM	6.64	6.71	6.62	6.76	6.62	6.56	6.57	6.43	6.48	6.54	6.62	6.61
Free Cash Flow Per Share TTM	7.28	7.33	7.61	7.24	7.20	7.41	7.34	7.52	7.44	7.04	7.20	6.70
Dividend Per Share TTM	1.43	1.43	1.40	1.40	1.36	1.36	1.32	1.32	1.29	1.29	1.26	1.26
Margin Metrics
Gross Profit Margin TTM	26.13%	-177.69%	-187.76%	-141.19%	-142.95%	-140.39%	-183.89%	-277.48%	-380.34%	-334.16%	-175.58%	-75.17%
Operating Profit Margin TTM	188.52%	701.02%	700.20%	577.37%	570.42%	568.54%	690.13%	865.51%	1,206.93%	1,214.26%	903.81%	858.14%
Net Profit Margin TTM	148.74%	553.76%	554.78%	469.39%	462.78%	458.69%	555.07%	678.54%	946.91%	955.48%	710.89%	674.46%
Growth Metrics
Net Revenue Growth (1Y)	212.16%	-15.37%	0.82%	51.79%	108.64%	108.96%	27.26%	-3.10%	-45.06%	-45.20%	-20.41%	1.18%
Net Income Growth (1Y)	0.33%	2.17%	0.76%	5.00%	1.97%	0.31%	-0.63%	-2.52%	3.34%	16.96%	37.15%	63.44%
EPS Growth (1Y)	0.28%	2.23%	0.78%	5.06%	2.01%	0.21%	-0.79%	-2.73%	3.17%	16.94%	38.42%	63.90%
Valuation Metrics
P/E TTM	11.31	9.92	9.82	9.96	9.75	9.31	9.21	8.91	8.36	8.13	7.67	6.13
P/B TTM	1.39	1.26	1.25	1.34	1.33	1.31	1.35	1.30	1.31	1.33	1.29	1.15
P/S TTM	16.83	54.93	54.48	46.75	45.10	42.72	51.14	60.48	79.14	77.66	54.56	41.37
Market Cap	4.68B	4.14B	4.05B	4.19B	4.01B	3.81B	3.77B	3.57B	3.38B	3.31B	3.16B	2.52B
Enterprise Value	4.22B	3.56B	3.51B	3.60B	3.28B	3.22B	3.42B	2.79B	2.58B	2.40B	2.51B	1.82B
Calculated Values
Free Cash Flow TTM	452.82M	455.90M	472.94M	450.17M	447.52M	460.74M	456.51M	467.63M	462.59M	437.39M	446.94M	415.60M
Net Debt	-451.16M	-585.94M	-536.49M	-589.32M	-731.92M	-589.46M	-352.65M	-779.84M	-792.17M	-908.95M	-651.06M	-698.61M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-21Sale

Owner: Norton, Larry A

Title: -

Shares: 10,000

Price/Share: $72.00

Value: $720,000.00

Shares Owned: 111,917

Relationship: Director

Ownership: Indirect

2025-08-15Sale

Owner: Sanchez, Antonio R Jr

Title: -

Shares: 40,000

Price/Share: $68.12

Value: $2,724,800.00

Shares Owned: 447,439

Relationship: Director,TenPercentOwner

Ownership: Indirect

2024-11-13Sale

Owner: Nixon, Dennis E

Title: CEO

Shares: 65,185

Price/Share: $71.47

Value: $4,658,771.95

Shares Owned: 900,000

Relationship: Director,Officer

Ownership: Indirect

2024-05-22Sale

Owner: Sanchez, Antonio R Jr

Title: -

Shares: 49,888

Price/Share: $58.39

Value: $2,912,960.32

Shares Owned: 1,232,245

Relationship: Director,TenPercentOwner

Ownership: Indirect

2024-03-11Sale

Owner: Sanchez, Antonio R Jr

Title: -

Shares: 40,000

Price/Share: $54.22

Value: $2,168,800.00

Shares Owned: 1,312,245

Relationship: Director,TenPercentOwner

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-21	Norton, Larry A	Director	-	Indirect	Sale	10,000	72.00	$720,000.00	111,917	4
2025-08-15	Sanchez, Antonio R Jr	Director,TenPercentOwner	-	Indirect	Sale	40,000	68.12	$2,724,800.00	447,439	4
2024-11-13	Nixon, Dennis E	Director,Officer	CEO	Indirect	Sale	65,185	71.47	$4,658,771.95	900,000	4
2024-05-22	Sanchez, Antonio R Jr	Director,TenPercentOwner	-	Indirect	Sale	49,888	58.39	$2,912,960.32	1,232,245	4
2024-03-11	Sanchez, Antonio R Jr	Director,TenPercentOwner	-	Indirect	Sale	40,000	54.22	$2,168,800.00	1,312,245	4
2023-12-08	Sanchez, Antonio R Jr	Director,TenPercentOwner	-	Direct	Sale	25,000	48.86	$1,221,500.00	1,814,554	4
2023-11-28	Sanchez, Antonio R Jr	Director,TenPercentOwner	-	Indirect	Sale	15,000	44.63	$669,450.00	1,352,245	4
2023-11-16	Sanchez, Antonio R Jr	Director,TenPercentOwner	-	Indirect	Sale	30,000	46.62	$1,398,600.00	1,412,245	4
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Institutional Ownership

No data available for chart

2026-03-31

64.81%

Inst. Shares: 40,292,942

Shares Outstanding: 62,175,289

2025-12-31

66.51%

Inst. Shares: 41,351,881

Shares Outstanding: 62,171,914

2025-09-30

64.84%

Inst. Shares: 40,302,581

Shares Outstanding: 62,157,827

2025-06-30

65.64%

Inst. Shares: 40,795,887

Shares Outstanding: 62,150,969

2025-03-31

64.60%

Inst. Shares: 40,189,376

Shares Outstanding: 62,213,966

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	40,292,942	62,175,289	64.81%
2025-12-31	41,351,881	62,171,914	66.51%
2025-09-30	40,302,581	62,157,827	64.84%
2025-06-30	40,795,887	62,150,969	65.64%
2025-03-31	40,189,376	62,213,966	64.60%
2024-12-31	40,368,550	62,180,448	64.92%
2024-09-30	38,895,579	62,190,993	62.54%
2024-06-30	39,713,890	62,177,215	63.87%
2024-03-31	41,440,579	62,150,378	66.68%
2023-12-31	39,136,927	62,082,827	63.04%
2023-09-30	38,155,417	62,053,563	61.49%
2023-06-30	37,980,520	62,074,485	61.19%
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INTERNATIONAL BANCSHARES CORP (IBOC) — SEC Financial Statements & Analysis

INTERNATIONAL BANCSHARES CORP (IBOC) is a state commercial banks company, incorporated in TX. INTERNATIONAL BANCSHARES CORP trades on Nasdaq as: IBOC. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), INTERNATIONAL BANCSHARES CORP reported a 212.16% year-over-year revenue growth, a Gross Profit Margin of 26.13% (TTM), a Price-to-Sales (P/S) ratio of 16.83x (TTM), a Price-to-Book (P/B) ratio of 1.39x (TTM), at a market cap of $4.68B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 212.16%
Gross Profit Margin TTM: 26.13%
P/S TTM: 16.83x
P/B TTM: 1.39x
Market Cap: $4.68B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is INTERNATIONAL BANCSHARES CORP in?

INTERNATIONAL BANCSHARES CORP (IBOC) operates in the State Commercial Banks industry.

What is IBOC's market cap?

INTERNATIONAL BANCSHARES CORP (IBOC) has a market capitalization of $4.68B as of 2026-06-30.

What is IBOC's P/E ratio?

INTERNATIONAL BANCSHARES CORP (IBOC)'s trailing twelve month P/E ratio is 11.31x as of 2026-06-30.

What exchange does IBOC trade on?

INTERNATIONAL BANCSHARES CORP (IBOC) trades on the Nasdaq.

Where is INTERNATIONAL BANCSHARES CORP incorporated?

INTERNATIONAL BANCSHARES CORP is incorporated in TX.