Symbols / IBOC Stock $71.68 +0.58% International Bancshares Corporation

Financial Services • Banks - Regional • United States • NMS
IBOC (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Mike K. Sohn
Exch · Country NMS · United States
Market Cap 4.46B
Enterprise Value 4.60B
Income 417.59M
Sales 837.62M
FCF (ttm) —
Book/sh 52.30
Cash/sh 9.42
Employees 2,126
Insider 10d —
IPO Aug 30, 1995
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 21.34%
P/E 10.70
Forward P/E —
PEG 0.98
P/S 5.32
P/B 1.37
P/C —
EV/EBITDA —
EV/Sales 5.49
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 6.70
EPS next Y —
EPS Growth 5.30%
Revenue Growth 5.40%
EPS Gr Q/Q 5.50%
Rev Gr Q/Q —
Earnings (next) 2026-08-06
Earnings (prior) 2026-05-07
ROA 2.52%
ROE 13.51%
ROIC —
Gross Margin 0.00%
Oper. Margin 63.95%
Profit Margin 49.85%
Shs Outstand 62.18M
Shs Float 56.15M
Insider Own 13.09%
Instit Own 71.41%
Short Float 3.29%
Short Ratio 4.44
Short Interest 1.56M
52W High 75.44
vs 52W High -4.98%
52W Low 61.15
vs 52W Low 17.22%
Beta 0.70
Impl. Vol. 0.00%
Rel Volume 0.58
Avg Volume 393.99K
Volume 226.81K
Target (mean) $87.00
Tgt Median $87.00
Tgt Low $87.00
Tgt High $87.00
# Analysts 1
Recom None
Prev Close $71.27
Price $71.68
Change 0.58%
About

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. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collections, escrow, drive up and walk up facilities, and other customary banking services; and internet and mobile banking services, as well as securities products through third party providers. The company offers its banking services through ATM network and retail locations in shopping malls and other places. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$87.00
Mean price target
2. Current target
$71.68
Latest analyst target
3. DCF / Fair value
$100.50
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$71.68
Low
$87.00
High
$87.00
Mean
$87.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-06 main Freedom Broker Buy → Buy $87
2025-12-31 init Freedom Broker — → Buy $85
News
RSS: Latest IBOC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-06 WAWROSKI JUDITH I Officer and Treasurer — 1,175 $16.84 $38,564
2025-09-05 WAWROSKI JUDITH I Officer and Treasurer — 600 $39.33 $23,598
2025-08-15 SANCHEZ ANTONIO R JR Director and Beneficial Owner of more than 10% of a Class of Security — 120,000 $68.12 $8,311,200
2025-06-05 WAWROSKI JUDITH I Officer and Treasurer — 1,000 $16.84 $31,862
2024-12-17 SANCHEZ ANTONIO R JR Director and Beneficial Owner of more than 10% of a Class of Security — 9,000 $0.00 $0
2024-11-13 NIXON DENNIS E Chief Executive Officer — 100,000 $71.47 $7,171,719
2024-08-13 WAWROSKI JUDITH I Officer and Treasurer — 500 $38.30 $19,150
2024-05-22 SANCHEZ ANTONIO R JR Director and Beneficial Owner of more than 10% of a Class of Security — 80,000 $58.39 $4,712,152
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
842.17
+1.02%
833.64
+0.02%
833.44
+23.52%
674.76
Selling General And Administration
165.80
+4.22%
159.10
+9.17%
145.74
+4.62%
139.30
Selling And Marketing Expense
5.31
-15.55%
6.29
+25.53%
5.01
+9.20%
4.59
General And Administrative Expense
160.49
+5.03%
152.81
+8.59%
140.73
+4.47%
134.71
Salaries And Wages
153.34
+5.07%
145.94
+8.56%
134.44
+5.26%
127.72
Other Gand A
—
—
—
—
Reconciled Depreciation
23.35
+3.66%
22.52
+2.64%
21.94
+0.56%
21.82
Net Income
412.29
+0.76%
409.17
-0.63%
411.77
+37.15%
300.23
Pretax Income
520.36
+2.29%
508.72
-2.83%
523.51
+36.82%
382.64
Net Interest Income
672.42
+2.39%
656.72
-1.02%
663.50
+36.07%
487.62
Interest Expense
213.85
+2.19%
209.26
+53.13%
136.66
+258.16%
38.16
Interest Income
886.27
+2.34%
865.98
+8.23%
800.16
+52.19%
525.78
Gain On Sale Of Security
6.91
-47.39%
13.13
+36.82%
9.60
-45.27%
17.54
Tax Provision
108.07
+8.55%
99.55
-10.91%
111.74
+35.60%
82.41
Tax Rate For Calcs
0.00
+6.13%
0.00
-8.32%
0.00
-0.89%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
412.29
+0.76%
409.17
-0.63%
411.77
+37.15%
300.23
Net Income From Continuing Operation Net Minority Interest
412.29
+0.76%
409.17
-0.63%
411.77
+37.15%
300.23
Net Income From Continuing And Discontinued Operation
412.29
+0.76%
409.17
-0.63%
411.77
+37.15%
300.23
Net Income Continuous Operations
412.29
+0.76%
409.17
-0.63%
411.77
+37.15%
300.23
Normalized Income
412.29
+0.76%
409.17
-0.63%
411.77
+37.15%
300.23
Net Income Common Stockholders
412.29
+0.76%
409.17
-0.63%
411.77
+37.15%
300.23
Diluted EPS
6.62
+0.76%
6.57
-0.76%
6.62
+38.49%
4.78
Basic EPS
6.63
+0.76%
6.58
-0.75%
6.63
+38.41%
4.79
Basic Average Shares
62.17
-0.01%
62.18
+0.16%
62.08
-0.92%
62.66
Diluted Average Shares
62.26
-0.07%
62.30
+0.12%
62.22
-0.94%
62.81
Diluted NI Availto Com Stockholders
412.29
+0.76%
409.17
-0.63%
411.77
+37.15%
300.23
Depreciation Amortization Depletion Income Statement
23.35
+3.66%
22.52
+2.64%
21.94
+0.56%
21.82
Depreciation And Amortization In Income Statement
23.35
+3.66%
22.52
+2.64%
21.94
+0.56%
21.82
Depreciation Income Statement
23.35
+3.66%
22.52
+2.64%
21.94
+0.56%
21.82
Insurance And Claims
7.15
+4.17%
6.87
+9.23%
6.29
-10.05%
6.99
Occupancy And Equipment
52.32
+8.76%
48.10
+4.85%
45.88
+12.10%
40.92
Other Non Interest Expense
51.67
+8.40%
47.67
-0.27%
47.80
-16.34%
57.13
Professional Expense And Contract Services Expense
13.58
-13.67%
15.73
+12.33%
14.00
+23.98%
11.29
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
16,576.33
+5.32%
15,738.85
+4.46%
15,066.19
-2.81%
15,501.48
Cash And Cash Equivalents
536.49
+52.13%
352.65
-45.83%
651.06
-68.81%
2,087.72
Other Short Term Investments
4,833.66
-3.09%
4,987.92
+3.43%
4,822.34
+9.16%
4,417.80
Receivables
72.43
+0.35%
72.17
+10.52%
65.30
+42.62%
45.79
Accounts Receivable
72.43
+0.35%
72.17
+10.52%
65.30
+42.62%
45.79
Net PPE
422.99
-1.22%
428.22
-2.03%
437.09
+1.27%
431.61
Gross PPE
1,039.81
+0.93%
1,030.21
+1.35%
1,016.48
+2.85%
988.28
Accumulated Depreciation
-616.82
-2.46%
-601.99
-3.90%
-579.39
-4.08%
-556.66
Land And Improvements
112.17
+1.13%
110.92
+2.18%
108.55
-0.07%
108.62
Buildings And Improvements
594.93
+1.16%
588.09
+1.03%
582.08
+1.82%
571.66
Machinery Furniture Equipment
332.71
+0.46%
331.20
+1.64%
325.86
+5.80%
307.99
Goodwill And Other Intangible Assets
282.53
+0.00%
282.53
+0.00%
282.53
+0.00%
282.53
Goodwill
282.53
+0.00%
282.53
+0.00%
282.53
+0.00%
282.53
Investments And Advances
5,424.57
+1.31%
5,354.44
+3.48%
5,174.61
+8.13%
4,785.46
Total Liabilities Net Minority Interest
13,324.70
+2.96%
12,942.15
+2.57%
12,618.42
-6.23%
13,456.72
Long Term Debt And Capital Lease Obligation
119.20
-0.18%
119.41
-0.17%
119.61
-17.84%
145.59
Long Term Debt
119.20
-0.18%
119.41
-0.17%
119.61
-17.84%
145.59
Stockholders Equity
3,251.64
+16.27%
2,796.71
+14.26%
2,447.77
+19.71%
2,044.76
Common Stock Equity
3,251.64
+16.27%
2,796.71
+14.26%
2,447.77
+19.71%
2,044.76
Capital Stock
96.66
+0.04%
96.62
+0.16%
96.47
+0.05%
96.42
Common Stock
96.66
+0.04%
96.62
+0.16%
96.47
+0.05%
96.42
Share Issued
96.66
+0.04%
96.62
+0.16%
96.47
+0.05%
96.42
Ordinary Shares Number
62.17
-0.06%
62.21
+0.21%
62.08
-0.11%
62.14
Treasury Shares Number
34.49
+0.24%
34.41
+0.05%
34.39
+0.33%
34.28
Additional Paid In Capital
160.86
+0.96%
159.33
+2.46%
155.51
+0.94%
154.06
Retained Earnings
3,681.41
+9.69%
3,356.18
+10.80%
3,029.09
+12.37%
2,695.57
Gains Losses Not Affecting Retained Earnings
-246.32
+35.02%
-379.05
+4.73%
-397.89
+15.43%
-470.50
Treasury Stock
440.97
+1.06%
436.37
+0.22%
435.40
+1.07%
430.79
Other Equity Adjustments
-246.32
+35.02%
-379.05
+4.73%
-397.89
+15.43%
-470.50
Total Equity Gross Minority Interest
3,251.64
+16.27%
2,796.71
+14.26%
2,447.77
+19.71%
2,044.76
Total Capitalization
3,370.84
+15.59%
2,916.12
+13.58%
2,567.39
+17.21%
2,190.34
Invested Capital
3,370.84
+15.59%
2,916.12
+13.58%
2,567.39
+17.21%
2,190.34
Total Debt
119.20
-0.18%
119.41
-0.17%
119.61
-17.84%
145.59
Net Tangible Assets
2,969.11
+18.09%
2,514.18
+16.12%
2,165.24
+22.87%
1,762.23
Tangible Book Value
2,969.11
+18.09%
2,514.18
+16.12%
2,165.24
+22.87%
1,762.23
Available For Sale Securities
589.58
+62.81%
362.13
+3.80%
348.87
-4.23%
364.27
Cash Cash Equivalents And Federal Funds Sold
536.49
+52.13%
352.65
-45.83%
651.06
-68.81%
2,087.72
Held To Maturity Securities
1.32
-69.89%
4.40
+29.41%
3.40
+0.00%
3.40
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
491.06
+3.61%
473.95
-0.10%
474.43
+22.29%
387.94
Cash Flow From Continuing Operating Activities
491.06
+3.61%
473.95
-0.10%
474.43
+22.29%
387.94
Net Income From Continuing Operations
412.29
+0.76%
409.17
-0.63%
411.77
+37.15%
300.23
Depreciation Amortization Depletion
23.35
+3.66%
22.52
+2.64%
21.94
+0.56%
21.82
Depreciation
23.35
+3.66%
22.52
+2.64%
21.94
+0.56%
21.82
Depreciation And Amortization
23.35
+3.66%
22.52
+2.64%
21.94
+0.56%
21.82
Other Non Cash Items
1.81
+122.85%
0.81
+116.85%
-4.83
-930.28%
-0.47
Stock Based Compensation
0.10
-51.40%
0.21
-35.15%
0.33
-26.50%
0.45
Deferred Tax
14.07
+222.68%
-11.47
-149.96%
22.95
+116.12%
10.62
Deferred Income Tax
14.07
+222.68%
-11.47
-149.96%
22.95
+116.12%
10.62
Operating Gains Losses
-5.53
+28.58%
-7.74
-556.79%
-1.18
+93.80%
-19.00
Gain Loss On Investment Securities
0.00
+0.00%
0.00
-66.67%
0.00
0.00
Unrealized Gain Loss On Investment Securities
-0.18
-850.00%
0.02
+140.68%
-0.06
-108.18%
0.72
Gain Loss On Sale Of PPE
-0.02
+93.92%
-0.38
-90.91%
-0.20
+93.63%
-3.11
Change In Working Capital
30.11
+15.46%
26.07
+262.41%
-16.05
-140.34%
39.80
Change In Receivables
-0.26
+96.29%
-6.87
+64.78%
-19.52
-28.44%
-15.19
Changes In Account Receivables
-0.26
+96.29%
-6.87
+64.78%
-19.52
-28.44%
-15.19
Change In Other Current Assets
34.62
+529.14%
-8.07
-10.55%
-7.30
-156.24%
12.97
Change In Other Current Liabilities
-4.26
-110.38%
41.02
+281.29%
10.76
-74.40%
42.02
Investing Cash Flow
-591.69
+39.93%
-985.06
+7.70%
-1,067.21
-7.58%
-992.03
Cash Flow From Continuing Investing Activities
-591.69
+39.93%
-985.06
+7.70%
-1,067.21
-7.58%
-992.03
Net PPE Purchase And Sale
-18.10
-36.35%
-13.27
+51.25%
-27.23
-376.26%
-5.72
Purchase Of PPE
-18.12
-28.09%
-14.15
+48.55%
-27.50
-43.12%
-19.21
Sale Of PPE
0.02
-97.37%
0.87
+224.91%
0.27
-98.01%
13.50
Capital Expenditure
-18.12
-28.09%
-14.15
+48.55%
-27.50
-43.12%
-19.21
Net Investment Purchase And Sale
60.22
+131.19%
-193.08
+54.89%
-428.06
+44.82%
-775.83
Purchase Of Investment
-944.06
+8.57%
-1,032.60
+7.01%
-1,110.47
+27.65%
-1,534.92
Sale Of Investment
1,004.28
+19.63%
839.51
+23.02%
682.41
-10.10%
759.09
Net Other Investing Changes
9.04
+413.35%
1.76
-80.20%
8.89
-0.90%
8.97
Financing Cash Flow
284.47
+33.74%
212.71
+125.21%
-843.89
-63.09%
-517.43
Cash Flow From Continuing Financing Activities
284.47
+33.74%
212.71
+125.21%
-843.89
-63.09%
-517.43
Net Issuance Payments Of Debt
-0.21
-2.45%
-0.20
+99.21%
-25.97
+93.89%
-425.19
Repayment Of Debt
-0.21
-2.45%
-0.20
+99.21%
-25.97
+93.89%
-425.19
Long Term Debt Payments
-0.21
-2.45%
-0.20
+99.21%
-25.97
+93.89%
-425.19
Net Long Term Debt Issuance
-0.21
-2.45%
-0.20
+99.21%
-25.97
+93.89%
-425.19
Net Common Stock Issuance
-3.14
-212.42%
2.79
+181.16%
-3.44
+93.18%
-50.51
Common Stock Payments
-4.61
-378.50%
-0.96
+79.12%
-4.61
+91.14%
-52.05
Cash Dividends Paid
-87.06
-6.07%
-82.08
-4.90%
-78.25
-3.81%
-75.38
Repurchase Of Capital Stock
-4.61
-378.50%
-0.96
+79.12%
-4.61
+91.14%
-52.05
Changes In Cash
183.84
+161.61%
-298.41
+79.23%
-1,436.67
-28.10%
-1,121.52
Beginning Cash Position
352.65
-45.83%
651.06
-68.81%
2,087.72
-34.95%
3,209.24
End Cash Position
536.49
+52.13%
352.65
-45.83%
651.06
-68.81%
2,087.72
Free Cash Flow
472.94
+2.86%
459.80
+2.88%
446.94
+21.21%
368.73
Interest Paid Supplemental Data
216.60
+7.32%
201.83
+71.13%
117.94
+224.40%
36.35
Income Tax Paid Supplemental Data
69.67
+36.33%
51.10
-29.12%
72.10
+226.00%
22.12
Common Stock Issuance
1.47
-60.99%
3.76
+222.02%
1.17
-24.07%
1.54
Dividends Received CFI
21.90
-31.58%
32.01
+162.89%
12.18
+37.01%
8.89
Earnings Losses From Equity Investments
-5.50
+25.22%
-7.36
-648.73%
-0.98
+93.82%
-15.89
Issuance Of Capital Stock
1.47
-60.99%
3.76
+222.02%
1.17
-24.07%
1.54
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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