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IBOC Financials International Bancshares Corp

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Free cash flow has grown 9.6% per year over the past 5 years.

Shareholder returns

  • Dividends have been paid for 15 consecutive years, consuming 21.1% of earnings and 18.4% of free cash flow.
  • The dividend has grown 4.5% per year over the past 5 years.
Net income
$0 $206M $412M 2011 2013 2015 2017 2019 2021 2023 2025
Net income
Return on equity & assets (ROE / ROA)
0% 8% 17% 2011 2013 2015 2017 2019 2021 2023 2025
ROEROA
Shareholders' equity (book value)
$0 $2B $3B 2011 2013 2015 2017 2019 2021 2023 2025
Equity
Free cash flow (CFO − capex)
$0 $236M $473M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $2B $3B 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$1B $385M $2B $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2025 $412M 12.7% 2.5% $473M $536M
2024 $409M 14.6% 2.6% $460M $353M
2023 $412M 16.8% 2.7% $447M $651M
2022 $300M 14.7% 1.9% $369M $2.1B
2021 $254M 11.0% 1.6% $281M $3.2B
2020 $167M 7.7% 1.2% $298M $2.0B
2019 $205M 9.7% 1.7% $282M $257M
2018 $216M 11.1% 1.8% $208M $317M
2017 $157M 8.6% 1.3% $183M $265M
2016 $134M 7.8% 1.1% $164M $269M
2015 $137M 8.2% 1.2% $184M $273M
2014 $153M 9.7% 1.3% $255M
2013 $126M 8.9% 1.0% $255M
2012 $108M 7.5% 0.9% $283M
2011 $127M 7.9% 1.1% $262M

Valuation over time

How the market has priced IBOC against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 5.8 11.5 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Dividend yield (%)
0.0 1.4 2.8 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
Dividend yield %

Frequently asked questions

Is IBOC growing its revenue and profit?

See the revenue and net-income charts above for International Bancshares Corp's multi-year trend.

How much debt does IBOC have?

As of FY2025, International Bancshares Corp reported — of total debt against $536M of cash.

What is IBOC's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is IBOC's P/E ratio?

As of Sep '26, International Bancshares Corp traded at a price-to-earnings ratio of about 10.8× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.