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International Bancshares(NASDAQ) IBOC

Market Cap$4.76BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1995)+3,802%
5 Year+122%
1 Year+15%
1 Month-1%
$76.55
+0.28%
+0.21Today
After hours$76.52-$0.03 (-0.04%)
International Bancshares last closing stock price
MetricPriceDate
Last closeUSD 76.542026-07-31
International Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.33%USD 76.792026-07-24
1 month-0.62%USD 77.022026-07-01
3 month+6.81%USD 71.662026-05-01
Year to date+16.38%USD 65.772025-12-31
1 year+14.55%USD 66.822025-07-31
3 year+64.56%USD 46.512023-08-01
5 year+121.69%USD 34.532021-07-30
Since inception+3,802.18%USD 1.961995-08-30

International Bancshares Financials at a Glance

Market Cap

$4.76BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$1.06B

Net Income (TTM)

$417.59M

EPS (TTM)

$6.70

P/E Ratio

11.42

Dividend

$1.43

Beta (Volatility)

0.83 (Low)

Price

$76.55

Volume

313,147.713

Open

$76.26

Previous Close

$76.54

Daily Range

$74.31 - $76.62

52-Week Range

$63.20 - $78.46

Estimated Earnings Date

Jul 31, 2026

IBOC News

Federal_reserve_bank_of_NY

The Best Bank Stocks Are Not Too Big to Fail

Jay JenkinsDec 5, 2014

The Dirty Secret Holding Back the U.S. Economy

Jay JenkinsSep 29, 2013

4 Dividend Stocks Showing You the Money

Rick MunarrizMar 26, 2012

International Bancshares Earnings Preview

Narrative ScienceFeb 22, 2012

Finding Value in Southwest Regional Banks

Robert EberhardNov 23, 2011

These Davids Beat the Banking Goliaths

Robert EberhardNov 11, 2011

International Bancshares Earnings Preview

Narrative ScienceNov 3, 2011

Is This the Best Bank in the Southwest?

Robert EberhardOct 6, 2011
Page 1

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About International Bancshares

International Bancshares helps people and businesses manage their money safely. They provide loans for buying homes and growing companies. Customers can use branches and ATMs across Texas and Oklahoma.

What’s on the Menu?

  • Commercial Lending: Credit for business operations, equipment, and agricultural needs; largest part of the loan portfolio.
  • Real Estate Loans: Financing for home purchases, residential construction, and commercial property development.
  • International Banking: Services including letters of credit and foreign exchange for customers involved in cross-border trade.
  • Consumer Services: Personal checking accounts, installment loans, and credit cards for individual banking needs.

Strategic Plans and Buybacks

  • Extended the stock repurchase program on February 17, 2026, to allow up to $150 million in buybacks.
  • Adopted specific trading plans in the first quarter of 2026 to automate the purchase of common stock.
  • Distributed a cash dividend of $0.73 per share to International Bancshares stockholders in February 2026.

The Regional Advantage

The company maintains a network of 170 branch facilities and 263 ATMs serving 76 communities. It utilizes an independent credit administration team to monitor loan quality across its five subsidiary banks.

Checking the Scoreboard

  • Net income was $102.2 million in Q1 2026, up 5.5% from Q1 2025.
  • Revenue reached $257.3 million in Q1 2026, up 2.2% year-over-year.
  • Operating income hit $129.4 million in Q1 2026, up 6.8% from the previous year.
  • Free cash flow hit $116 million in Q1 2026, down 12.8% year-over-year.
  • Operating cash flow was $120.7 million in Q1 2026, down 14% from Q1 2025.

Bottom Line

International Bancshares has grown from its 1966 founding into a significant regional banking presence in Texas and Oklahoma. Its strategy focuses on maintaining diversified loan categories and a stable deposit base across its five bank subsidiaries.

AI Generated • May 21, 2026

Industry

Banks

Sector

Financials

Employees

2,319

CEO

Dennis E. Nixon

Website

www.ibc.com

Headquarters

Laredo, TX 78042-1359, US

IBOC Financials

Key Financial Metrics (TTM)

Gross Margin

78.89%

Operating Margin

49.77%

Net Income Margin

39.31%

Return on Equity

13.16%

Return on Capital

13.15%

Return on Assets

2.48%

Earnings Yield

8.76%

Dividend Yield

1.87%

Payout Ratio

21.29%

Stock Overview

Market Cap

$4.76BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

62.18M

Volume

313.15K

Avg. Volume

347.08K

Financials (TTM)

Gross Profit

$838.00M

Operating Income

$528.63M

EBITDA

$552.54M

Operating Cash Flow

$471.32M

Capital Expenditure

-$15.43M

Free Cash Flow

$455.90M

Cash & ST Invst.

$585.94M

Total Debt

$724.00M

International Bancshares Performance Analysis

International Bancshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 712,915,00014.9%
20232023-12-31USD 974,086,00036.6%
20242024-12-31USD 1,041,606,0006.9%
20252025-12-31USD 1,053,635,0001.2%
International Bancshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-304.0%
Q32025-09-304.2%
Q42025-12-31-0.7%
Q12026-03-31-4.9%
International Bancshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 4.7819.5%
20232023-12-31USD 6.6238.4%
20242024-12-31USD 6.57-0.8%
20252025-12-31USD 6.620.8%
International Bancshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-303.2%
Q32025-09-308.1%
Q42025-12-31-1.7%
Q12026-03-31-4.1%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$257.28M

+2.2%

Gross Profit

$205.29M

+5.3%

Gross Margin

79.79%

N/A

Market Cap

$4.76BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$2.05M

N/A

Employees

2,319

N/A

Net Income

$102.19M

+5.5%

EBITDA

$135.56M

+7.0%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$585.94M

-1.0%

Total Debt

$724.00M

-0.7%

Accounts Receivable

$75.32M

+4.6%

Inventory

$0.00

N/A

Long Term Debt

$119.15M

-14.5%

Short Term Debt

$604.86M

+2.5%

Return on Assets

2.48%

N/A

Return on Invested Capital

3.26%

N/A

Free Cash Flow

$116.05M

-12.8%

Operating Cash Flow

$120.73M

-14.0%

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Questions About IBOC

What is the current price of International Bancshares?

International Bancshares is trading at $76.54 per share.

What is the 52-week range for International Bancshares?

Over the past 52 weeks, International Bancshares has traded between $63.20 and $78.46.

How much debt does International Bancshares have?

As of the most recent reporting period, International Bancshares reported total debt of $724.00M.

How much cash does International Bancshares have on hand?

International Bancshares does not have cash on hand data available.

What is International Bancshares’s dividend yield?

International Bancshares currently has a dividend yield of 1.87%.

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