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International Bancshares Corporation logo

International Bancshares Corporation

IBOC

NASDAQFinancial ServicesBanks - Regional

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Previous close

$71.49

−$0.21 · -0.29%

Aug 21, 4:00 PM ET

IBOC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

69

Undervalued

Momentum

50

Neutral

Sentiment

42

Mixed

Risk resilience

81

Low Risk

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Thesis, catalysts, evidence, and risk analysis.

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Company profile

Company website

International Bancshares Corporation (IBC), functioning as a financial holding company, delivers a comprehensive array of commercial and retail banking services. The institution facilitates checking and savings deposits and extends various loan products, including financing for commercial ventures, real estate, personal needs, home improvements, automobiles, and other installment or term-based credit. Moreover, IBC specializes in international banking, offering services such as letters of credit, commercial and industrial lending, and foreign currency exchange. Its supplementary offerings feature credit cards, secure safety deposit boxes, collection services, notary public, and escrow. The company also provides the convenience of drive-up and walk-up facilities, alongside other standard banking operations, online banking platforms, and access to securities products facilitated by external providers. As of February 28, 2022, International Bancshares Corporation maintained a substantial presence with 170 branch locations and 263 ATMs, serving 76 distinct communities across Texas and Oklahoma. Established in 1966, the corporation's primary corporate office is located in Laredo, Texas.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Dennis E. Nixon
Listed since
Aug 30, 1995
Employees
2,223

Market position

Day range

Current $71.49

52-week range

Current $71.49

Open
$72.30
Previous close
$71.70
Volume
281.68K
0.85× average
Average volume
332.11K
Average daily volume
Market cap
4.45B USD
Beta
0.7
Market reference 1
50-day average
$75.2328
-4.97% below average
200-day average
$71.1182
+0.52% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
4.3B USD
P/E (TTM)
10.78×
P/B (TTM)
1.32×
P/S (TTM)
4.18×
EV / EBITDA
7.92×
Earnings yield
9.97%
Free cash flow yield
11.43%
Dividend yield
2.04%

Profitability & efficiency

Gross margin
78.70%
Operating margin
49.20%
Net margin
38.81%
Return on equity
12.68%
Return on assets
2.47%
Return on invested capital
2.47%

Financial health

Debt / equity
0.22×
Current ratio
1.04×
Altman Z-score
0.67
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends100%78%56%34%Gross margin, FY2021: 94.39%Gross margin, FY2022: 91.61%Gross margin, FY2023: 82.35%Gross margin, FY2024: 76.89%Gross margin, FY2025: 78.27%Operating margin, FY2021: 51.95%Operating margin, FY2022: 53.67%Operating margin, FY2023: 53.96%Operating margin, FY2024: 48.78%Operating margin, FY2025: 49.39%Net margin, FY2021: 40.93%Net margin, FY2022: 42.11%Net margin, FY2023: 42.45%Net margin, FY2024: 39.23%Net margin, FY2025: 39.13%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 94.39%. Gross margin FY2022 91.61%. Gross margin FY2023 82.35%. Gross margin FY2024 76.89%. Gross margin FY2025 78.27%. Operating margin FY2021 51.95%. Operating margin FY2022 53.67%. Operating margin FY2023 53.96%. Operating margin FY2024 48.78%. Operating margin FY2025 49.39%. Net margin FY2021 40.93%. Net margin FY2022 42.11%. Net margin FY2023 42.45%. Net margin FY2024 39.23%. Net margin FY2025 39.13%.

Income trends

Revenue

1.05B USD+1.03%

Operating income

520.36M USD+2.29%

Net income

412.29M USD+0.76%
Income trends across reported periods1.13B USD813.72M USD493.84M USD173.95M USDRevenue, FY2021: 620.43M USDRevenue, FY2022: 712.92M USDRevenue, FY2023: 970.1M USDRevenue, FY2024: 1.04B USDRevenue, FY2025: 1.05B USDOperating income, FY2021: 322.33M USDOperating income, FY2022: 382.64M USDOperating income, FY2023: 523.51M USDOperating income, FY2024: 508.72M USDOperating income, FY2025: 520.36M USDNet income, FY2021: 253.92M USDNet income, FY2022: 300.23M USDNet income, FY2023: 411.77M USDNet income, FY2024: 409.17M USDNet income, FY2025: 412.29M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 620.43M USD. Revenue FY2022 712.92M USD. Revenue FY2023 970.1M USD. Revenue FY2024 1.04B USD. Revenue FY2025 1.05B USD. Operating income FY2021 322.33M USD. Operating income FY2022 382.64M USD. Operating income FY2023 523.51M USD. Operating income FY2024 508.72M USD. Operating income FY2025 520.36M USD. Net income FY2021 253.92M USD. Net income FY2022 300.23M USD. Net income FY2023 411.77M USD. Net income FY2024 409.17M USD. Net income FY2025 412.29M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.05B USD1.04B USD970.1M USD712.92M USD620.43M USD
Cost of goods sold228.94M USD241.07M USD171.24M USD59.81M USD34.79M USD
Gross profit824.69M USD801.84M USD798.87M USD653.11M USD585.64M USD
Selling, general, and administrative188.36M USD159.1M USD145.74M USD139.3M USD131.91M USD
Operating expenses304.33M USD293.12M USD275.35M USD270.47M USD263.32M USD
Interest income886.27M USD865.98M USD800.16M USD525.78M USD398.1M USD
Interest expense213.85M USD209.26M USD136.66M USD38.16M USD26.83M USD
Depreciation and amortization23.35M USD22.52M USD21.94M USD21.82M USD25.03M USD
Operating income520.36M USD508.72M USD523.51M USD382.64M USD322.33M USD
Net income412.29M USD409.17M USD411.77M USD300.23M USD253.92M USD

Company facts updated Aug 24, 2026.

IBOC news

businesswire.com

IBC Reports Strong Earnings for the First Six Months of 2026

LAREDO, Texas--(BUSINESS WIRE)--International Bancshares Corporation (NASDAQ:IBOC), today reported net income for the six months ended June 30, 2026 of $198.0 million.

Read source
gurufocus.com

International Bancshares Corporation Announces Cash Dividend

International Bancshares Corporation (NASDAQ: IBOC) (“IBC”) announced today that its board of directors approved the declaration of a $0.73 per share cash d

Read source
businesswire.com

International Bancshares Corporation Announces Cash Dividend

LAREDO, Texas--(BUSINESS WIRE)--International Bancshares Corporation announced today $0.73 per share cash dividend for shareholders of record of common stock.

Read source
seekingalpha.com

International Bancshares: I'm Not Spooked By The Soured Loans

International Bancshares demonstrates resilient earnings, with Q1 EPS rising 5% to $1.64 and net interest income up 3%. IBOC's diversified funding includes nearly one-third of deposits from Mexican clients, providing…

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.40

2025 complete year+21.7% since 2021

2026 partial: $1.46

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 14, 2026

$0.73

Semi-Annual

Record Aug 14, 2026 · Payment Aug 28, 2026

Dividend

Ex-dividend Feb 13, 2026

$0.73

Semi-Annual

Record Feb 13, 2026 · Payment Feb 27, 2026

Dividend

Ex-dividend Aug 15, 2025

$0.70

Semi-Annual

Record Aug 15, 2025 · Payment Aug 29, 2025

Dividend

Ex-dividend Feb 14, 2025

$0.70

Semi-Annual

Record Feb 14, 2025 · Payment Feb 28, 2025

Dividend

Ex-dividend Aug 14, 2024

$0.66

Semi-Annual

Record Aug 14, 2024 · Payment Aug 28, 2024

Dividend

Ex-dividend Feb 14, 2024

$0.66

Semi-Annual

Record Feb 15, 2024 · Payment Feb 28, 2024

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ETFs holding IBOC

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
136.83M
Weight
0.01%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Core S&P Mid-Cap ETF logoiShares Core S&P Mid-Cap ETFIJH
Market value
136.77M
Weight
0.11%
AUM
125.92B USD
Expense ratio
0.05%
Price / 1D
$76.77+0.52%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
123.85M
Weight
0.40%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
102.43M
Weight
0.13%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
98.47M
Weight
0.05%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
62.54M
Weight
0.09%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$249.18+0.68%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
47.67M
Weight
0.05%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
First Trust SMID Cap Rising Dividend Achievers ETF logoFirst Trust SMID Cap Rising Dividend Achievers ETFSDVY
Market value
46.45M
Weight
0.40%
AUM
11.64B USD
Expense ratio
0.58%
Price / 1D
$43.87+0.46%

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