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International Bancshares Corporation (IBOC) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · BANKS - REGIONAL · DATA UPDATED 2026-08-22

International Bancshares Corporation (IBOC) operates in the BANKS - REGIONAL industry and is headquartered in Laredo, United States with about 2,126 employees. Its market capitalization is roughly $4 billion. In the fiscal year ended 2025-12-31, IBOC reported $1.1B in revenue and $412M in net income.

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.

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IBOC Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$1.1B	$1.1B	$1.0B	$970M	$713M	$620M	$578M	$647M	$631M	$566M	$550M	$552M	$572M	$553M	$576M	$620M	$678M	$728M	$754M	$809M	$786M
Gross Profit	$838M	$825M	$802M	$799M	$653M	$586M	$493M	$570M	$572M	$515M	$487M	$484M	$511M	$475M	$474M	$508M	$541M	$530M	$503M	$477M	$463M
Gross Margin %	78.7%	78.3%	76.9%	82.3%	91.6%	94.4%	85.4%	88.0%	90.7%	91.1%	88.5%	87.6%	89.3%	86.0%	82.2%	82.0%	79.8%	72.7%	66.7%	59.0%	58.9%
Operating Income (EBIT)	$524M	$520M	$509M	$524M	$383M	$322M	$212M	$260M	$273M	$222M	$197M	$207M	$230M	$183M	$158M	$191M	$201M	$221M	$202M	$177M	$174M
Operating Margin %	49.2%	49.4%	48.8%	54.0%	53.7%	51.9%	36.7%	40.2%	43.2%	39.2%	35.8%	37.4%	40.2%	33.0%	27.5%	30.9%	29.7%	30.3%	26.7%	21.9%	22.1%
Net Income	$413M	$412M	$409M	$412M	$300M	$254M	$167M	$205M	$216M	$157M	$134M	$137M	$153M	$126M	$108M	$127M	$130M	$143M	$132M	$121M	$117M
Net Margin %	38.8%	39.1%	39.2%	42.4%	42.1%	40.9%	29.0%	31.7%	34.2%	27.8%	24.4%	24.8%	26.8%	22.9%	18.7%	20.5%	19.2%	19.6%	17.5%	15.0%	14.9%
EBITDA	$548M	$544M	$531M	$545M	$404M	$347M	$240M	$288M	$298M	$247M	$222M	$232M	$256M	$213M	$190M	$231M	$242M	$262M	$244M	$216M	$214M
Earnings Per Share (EPS)	$6.64	$6.62	$6.57	$6.62	$4.78	$4.00	$2.62	$3.12	$3.24	$2.36	$2.02	$2.05	$2.28	$1.88	$1.60	$1.88	$1.91	$2.09	$1.92	$1.75	$1.67
Shares Outstanding (M)	62M	62M	62M	62M	63M	63M	64M	66M	67M	67M	66M	67M	67M	67M	67M	68M	68M	68M	69M	69M	70M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

IBOC Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	$264M	$257M	$271M	$273M	$262M	$252M	$263M	$266M
Gross Profit	$204M	$205M	$213M	$216M	$204M	$195M	$207M	$203M
Gross Margin %	77.1%	79.8%	78.6%	79.3%	77.9%	77.5%	78.7%	76.2%
Operating Income (EBIT)	$121M	$129M	$137M	$136M	$126M	$121M	$134M	$127M
Operating Margin %	45.9%	50.3%	50.5%	50.1%	48.1%	48.1%	50.8%	47.6%
Net Income	$96M	$102M	$107M	$108M	$100M	$97M	$115M	$100M
Net Margin %	36.3%	39.7%	39.5%	39.8%	38.3%	38.5%	43.8%	37.4%
EBITDA	$127M	$136M	$143M	$142M	$131M	$127M	$139M	$133M
Earnings Per Share (EPS)	$1.54	$1.64	$1.72	$1.74	$1.61	$1.56	$1.85	$1.60
Shares Outstanding (M)	62M	62M	62M	62M	62M	62M	62M	62M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

IBOC Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	$470M	$491M	$474M	$474M	$388M	$292M	$305M	$312M	$230M	$197M	$203M	$204M	$193M	$209M	$160M	$181M	$178M	$142M	$154M	$183M	$156M
Capital Expenditures (CapEx)	$17M	$18M	$14M	$27M	$19M	$10M	$7M	$30M	$21M	$14M	$39M	$20M	$50M	$50M	$62M	$21M	$16M	$61M	$70M	$81M	$69M
Free Cash Flow (FCF)	$453M	$473M	$460M	$447M	$369M	$281M	$298M	$282M	$208M	$183M	$164M	$184M	$143M	$159M	$98M	$160M	$162M	$80M	$84M	$103M	$87M
FCF Margin %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Dividends Paid	$134M	$87M	$82M	$78M	$75M	$73M	$70M	$69M	$50M	$44M	$40M	$39M	$35M	$29M	$37M	$36M	$35M	$33M	$45M	$45M	$44M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

IBOC Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	$94M	$121M	$140M	$115M	$95M	$140M	$115M	$116M
Capital Expenditures (CapEx)	$6M	$5M	$4M	$3M	$4M	$7M	$2M	$7M
Free Cash Flow (FCF)	$89M	$116M	$136M	$112M	$92M	$133M	$113M	$110M
FCF Margin %	—	—	—	—	—	—	—	—
Dividends Paid	$45M	$45M	$0M	$44M	$0M	$44M	$0M	$41M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

IBOC Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$17.0B	$16.7B	$15.7B	$15.1B	$15.5B	$16.0B	$14.0B	$12.1B	$11.9B	$12.2B	$11.8B	$11.8B	$12.2B	$12.1B	$11.9B	$11.7B	$11.9B	$11.8B	$12.4B	$11.2B	$10.9B
Cash & Cash Equivalents	$451M	$536M	$353M	$651M	$2.1B	$3.2B	$2.0B	$257M	$317M	$265M	$269M	$273M	$255M	$275M	$283M	$262M	$198M	$225M	$299M	$334M	$269M
Total Liabilities	$13.6B	$13.4B	$12.9B	$12.6B	$13.5B	$571M	$11.9B	$10.0B	$9.9B	$10.3B	$10.1B	$10.1B	$10.6B	$10.7B	$10.4B	$10.1B	$10.5B	$10.4B	$11.2B	$10.2B	$10.1B
Total Debt (Short + Long-Term)	$731M	$705M	$655M	$650M	$566M	$574M	$563M	$371M	$390M	$1.5B	$949M	$935M	$1.0B	$1.1B	$1.3B	$1.5B	$1.6B	$2.6B	$2.6B	$1.5B	$917M
Total Shareholders' Equity	$3.4B	$3.3B	$2.8B	$2.4B	$2.0B	$15.5B	$2.2B	$2.1B	$1.9B	$1.8B	$1.7B	$1.7B	$1.6B	$1.4B	$1.4B	$1.6B	$1.5B	$1.4B	$1.3B	$936M	$842M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive IBOC viewer.

Other Companies in BANKS - REGIONAL

BMA · Banco Macro SA B ADR — $5 billion
FFIN · First Financial Bankshares Inc — $5 billion
SFBS · ServisFirst Bancshares Inc — $5 billion
FULT · Fulton Financial Corporation — $4 billion
FBP · First BanCorp. — $4 billion
UCB · United Community Banks, Inc. — $4 billion
CATY · Cathay General Bancorp — $4 billion
TCBI · Texas Capital Bancshares, Inc. — $4 billion

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