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
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
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
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
—
$96M
—
—
2.8%
0.6%
$89M
—
$451M
Mar '26
—
$102M
—
—
3.1%
0.6%
$116M
—
$586M
Dec '25
—
$107M
—
—
3.3%
0.6%
$136M
—
$536M
Sep '25
—
$108M
—
—
3.5%
0.7%
$112M
—
$589M
Jun '25
—
$100M
—
—
3.3%
0.6%
$92M
—
$732M
Mar '25
—
$97M
—
—
3.3%
0.6%
$133M
—
$589M
Dec '24
—
$115M
—
—
4.1%
0.7%
$117M
—
$353M
Sep '24
—
$100M
—
—
3.6%
0.6%
$110M
—
$780M
Jun '24
—
$97M
—
—
3.8%
0.6%
$105M
—
$792M
Mar '24
—
$97M
—
—
3.9%
0.6%
$129M
—
$909M
Dec '23
—
$106M
—
—
4.3%
0.7%
$124M
—
$651M
Sep '23
—
$103M
—
—
4.7%
0.7%
$105M
—
$699M
Jun '23
—
$100M
—
—
4.6%
0.7%
$80M
—
$1.0B
Mar '23
—
$102M
—
—
4.7%
0.7%
$138M
—
$1.2B
Dec '22
—
$105M
—
—
5.2%
0.7%
$93M
—
$2.1B
Sep '22
—
$83M
—
—
4.3%
0.5%
$117M
—
$3.2B
Jun '22
—
$58M
—
—
2.8%
0.4%
$82M
—
$3.4B
Mar '22
—
$53M
—
—
2.5%
0.3%
$77M
—
$3.4B
Dec '21
—
$57M
—
—
2.4%
0.4%
$63M
—
$3.2B
Sep '21
—
$55M
—
—
2.4%
0.3%
$57M
—
$2.3B
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.
The price-to-earnings ratio has risen from 8.9× (Mar '23) to 10.8× (Sep '26).
The dividend yield has fallen from 2.8% (Mar '23) to 2.0% (Sep '26).
Price / earnings (P/E)
P/E
Dividend yield (%)
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.