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International Bancshares Corporation (IBOC)
Financial Services · Banks - Regional · NasdaqGS
International Bancshares Corporation revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $133.93M | $157.44M | $215.93M | $205.10M | $167.32M | $253.92M | $300.23M | $411.77M | $409.17M | $412.30M |
| Net margin | — | — | — | — | — | — | — | — | — | — |
Source: International Bancshares Corporation SEC filings (10-K). 18 years of history available in the interactive view.
What growth is priced into IBOC stock?
At today's market cap of $4.67B, International Bancshares Corporation is priced for free-cash-flow growth of about -2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $472.94M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 9.6%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 18 years of International Bancshares Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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International Bancshares Corporation financial history by metric
About International Bancshares Corporation
International Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collections, escrow, drive up and walk up facilities, and other customary banking services; and internet and mobile banking services, as well as securities products through third party providers. The company offers its banking services through ATM network and retail locations in shopping malls and other places. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.
International Bancshares Corporation — frequently asked questions
What is International Bancshares Corporation's revenue?
International Bancshares Corporation (IBOC) reported revenue of $0 for fiscal year 2025, according to its SEC filings.
Is International Bancshares Corporation profitable?
Yes. IBOC earned net income of $412.30M in fiscal 2025.
What is IBOC's P/E ratio?
International Bancshares Corporation trades at a price-to-earnings ratio of about 11.2 based on the latest data in our nightly-refreshed cache.
How much debt does International Bancshares Corporation have?
As of fiscal year 2025, IBOC carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is International Bancshares Corporation's market cap?
International Bancshares Corporation (IBOC) has a market capitalization of about $4.67B, based on the latest data in our nightly-refreshed cache.
When does International Bancshares Corporation's fiscal year end?
IBOC's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into IBOC stock?
At today's market cap of $4.67B, International Bancshares Corporation is priced for free-cash-flow growth of about -2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $472.94M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 9.6%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from International Bancshares Corporation's official SEC filings (10-K and 10-Q), covering 18 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.