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INTERNATIONAL BANCSHARES CORP

IBOC

$73.53 ▼ -1.58 (-2.10%) at close

19 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

INTERNATIONAL BANCSHARES CORP shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $4.6B

Dividend Yield 1.90%

Revenue Growth 1.0% ↗

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E 11.1x

Price / Book 1.4x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$842.17M

↑ +1.0% —

Net Income Profit after all expenses

$412.29M

↑ +0.8% —

trending_up

Bullish Indicators

Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.40 Latest / share

+6.1% YoY

+11.3% 12-yr CAGR

$0.43

FY 2014

$0.58

FY 2015

$0.60

FY 2016

$0.66

FY 2017

$0.75

FY 2018

$1.05

FY 2019

$1.10

FY 2020

$1.15

FY 2021

$1.20

FY 2022

$1.26

FY 2023

$1.32

FY 2024

$1.40

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	1.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-83%)	0.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-100%)	23.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+292%)	13.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+128%)	10.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+71%)	-8.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-242%)	1.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-70%)	9.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+63%)	4.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-34%)	-0.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-106%)	-3.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-155%)	5.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-9%)	-0.7% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-112%)	-4.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-175%)	-6.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-213%)	-4.3% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-171%)	12.6% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+110%)	—	—
EPS Growth YoY (%)	0.8% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-0.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	38.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	19.5% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	52.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-16.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-4.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	37.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	17.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-1.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	21.8% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	35.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-17.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.7% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-9.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-1.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	0.8% Caution ↓ Caution Declining Year-over-year change in net income	-0.6% Weak ↓ Weak Declining Year-over-year change in net income	37.1% Excellent ↑ Excellent Improving Year-over-year change in net income	18.2% Good ↑ Good Improving Year-over-year change in net income	51.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-18.4% Weak ↓ Weak Declining Year-over-year change in net income	-5.0% Weak ↓ Weak Declining Year-over-year change in net income	37.2% Excellent ↑ Excellent Improving Year-over-year change in net income	17.5% Good ↑ Good Improving Year-over-year change in net income	-2.0% Weak ↓ Weak Declining Year-over-year change in net income	-10.7% Weak ↓ Weak Declining Year-over-year change in net income	21.2% Good ↑ Good Improving Year-over-year change in net income	17.2% Good ↑ Good Improving Year-over-year change in net income	-15.2% Weak ↓ Weak Declining Year-over-year change in net income	-2.2% Weak ↓ Weak Declining Year-over-year change in net income	-8.9% Weak Weak Year-over-year change in net income	8.0% Fair Fair Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	12.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	15.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	4.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.6% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	0.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	0.0% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-4.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-5.2% Weak Weak Compound annual revenue growth over 3 years	0.2% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	9.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.2% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.2% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.3% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	3.0% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.0% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-0.7% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-2.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-2.2% Weak Weak Compound annual revenue growth over 5 years	-1.0% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	11.4% Good ↓ Good Declining Compound annual EPS growth over 3 years	17.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	36.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	7.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	3.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	15.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	1.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	2.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	14.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	10.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	3.0% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-9.9% Weak Weak Compound annual EPS growth over 3 years	-4.3% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Profit Margin (%) (%)	49.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+123%)	49.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+123%)	49.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+125%)	44.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+102%)	42.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+94%)	31.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	34.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	37.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	29.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	26.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	26.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	29.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	25.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	21.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	23.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	25.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	2.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	2.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	12.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	14.6% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+22%)	16.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+40%)	14.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+22%)	11.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	7.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	9.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	8.6% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	7.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	8.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	9.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	8.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	7.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	7.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	—	—	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$13.55	$13.41	$13.42	$10.77	$9.37	$8.45	$8.99	$8.75	$7.97	$7.68	$7.65	$7.86	$7.41	$7.46	$7.78	$8.30	$8.61	$7.62	—
Basic EPS, GAAP (USD)	$6.63	$6.58	$6.63	$4.79	$4.01	$2.63	$3.13	$3.27	$2.38	$2.03	$2.06	$2.29	$1.88	$1.39	$1.69	$1.72	$1.90	$1.93	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.40	$1.32	$1.26	$1.20	$1.15	$1.10	$1.05	$0.75	$0.66	$0.60	$0.58	$0.43	$0.43	$0.40	$0.38	$0.36	$0.34	$0.66	—
Book Value per Share (USD)	$52.30	$44.98	$39.43	$32.63	$36.44	$34.18	$32.35	$29.34	$27.84	$26.14	$25.08	$23.64	$21.20	$21.35	$23.70	—	—	—	—
Tangible Book Value per Share (USD)	$47.76	$40.43	$34.88	$28.12	$31.98	$29.74	$28.03	$25.07	$23.57	$21.86	$20.82	$19.40	$16.95	$17.03	$19.34	—	—	—	—
Basic Weighted Avg Shares (shares)	62.17M	62.18M	62.08M	62.66M	63.35M	63.73M	65.48M	66.11M	66.05M	65.97M	66.41M	66.87M	67.20M	67.24M	67.51M	67.92M	68.37M	68.58M	—
Dividend Payout Ratio (%)	21.1% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	20.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	19.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	25.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	28.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	33.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	27.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	29.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	28.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	18.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	22.9% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	28.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	20.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	17.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	34.2% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$3.25B	$2.80B	$2.45B	$2.04B	$2.31B	$2.18B	$2.12B	$1.94B	$1.84B	$1.72B	$1.67B	$1.58B	$1.42B	$1.44B	$1.60B	—	—	—	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$842.17M	$833.64M	$833.44M	$674.76M	$593.60M	$538.47M	$588.60M	$578.20M	$526.61M	$506.49M	$508.17M	$525.40M	$498.19M	$501.73M	$525.32M	$563.52M	$588.59M	$522.68M	—
Net Income, GAAP (USD)	$412.29M	$409.17M	$411.77M	$300.23M	$253.92M	$167.32M	$205.10M	$215.93M	$157.44M	$133.93M	$136.73M	$153.15M	$126.35M	$107.83M	$127.15M	$130.02M	$142.74M	$132.11M	—
Operating Cash Flow (USD)	$491.06M	$473.95M	$474.43M	$387.94M	$291.68M	$305.13M	$311.56M	$229.85M	$196.82M	$203.22M	—	—	—	—	—	$127.22M	$141.77M	$154.10M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Net Interest Margin (approx.) (%)	4.1%	4.2%	4.4%	3.1%	2.3%	2.8%	3.6%	3.5%	3.1%	2.9%	3.0%	2.8%	2.6%	2.5%	2.8%	2.9%	3.3%	—	—
Efficiency Ratio (%) (%)	36.4%	35.2%	33.0%	40.1%	44.4%	52.2%	52.6%	51.8%	55.8%	57.2%	54.5%	53.5%	58.7%	62.9%	60.3%	60.3%	52.5%	57.6%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 71 quarters

INTERNATIONAL BANCSHARES CORP

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