IBOC Research | Milton Maxwell

IBOC

International Bancshares Corporation

71.46

-1.40-1.92%

Dec 16, 4:00:00 PM EST

Upcoming Earnings

Report date

≈ -/-

Earnings Call Transcripts

This Quarter (Q1 '26)

No earnings call transcript available yet

Last Quarter (Q4 '25)

No earnings call transcript available

Key Stats

Market Cap

4.44B

P/E (TTM)

10.57

Basic EPS (TTM)

6.76

Dividend Yield

0.02%

Recent Filings

10-K

FY2025 results

2/26/26Feb 26, 2026

International Bancshares Corporation's 10-K for FY2025 ended December 31, 2025, incorporates financials from its Annual Report to Shareholders by reference, with no specific topline revenue, profitability, or quarterly metrics disclosed in the filing itself. The company maintained a robust leverage ratio of 19.86% and strong dividend capacity, with $1,644,000,000 available from Subsidiary Banks while staying well capitalized. Mexican deposits formed 32% of the total deposit base, underscoring cross-border reliance. FDIC insurance expense rose to $7,151,000. Solid capital buffers them. Yet regulatory flux looms large.

8-K

IBC posts modest 2025 gains

2/26/26Feb 26, 2026

International Bancshares Corporation reported 2025 net income of ~$412.3 million, up 0.8% from 2024, with diluted EPS at $6.62. Q4 net income fell 7.1% to ~$106.9 million amid higher deposit costs, yet total assets hit ~$16.6 billion and loans ~$9.3 billion. Growth persists. CEO eyes AI efficiencies for 2026 outperformance.

8-K

IBC hikes dividend 4.3%

2/2/26Feb 2, 2026

International Bancshares Corporation's board approved a $0.73 per share cash dividend on January 30, 2026, up 4.3% from prior, for shareholders of record February 13 and payable February 27. Strong capital and liquidity fueled the hike. Dividend thrives.

8-K

Q3 net income up 8.6%

11/6/25Nov 6, 2025

International Bancshares Corporation reported Q3 2025 net income of $108.4 million, up 8.6% from 2024, with diluted EPS rising 8.8% to $1.74. Nine-month net income hit $305.4 million, boosted by higher interest income and lower credit loss provisions, yet pressured by deposit rate hikes amid Fed cuts. Assets swelled to $16.6 billion. Strong results persist.

10-Q

Q3 FY2025 results

11/6/25Nov 6, 2025

International Bancshares posted solid Q3 momentum, with net interest income up 2.6% y/y to $172.2M on 1.9% higher interest income, while credit loss expense plunged 78.8% y/y to $1.8M. Net income climbed 8.6% y/y to $108.4M or $1.74 diluted EPS, matching 62.2M shares. Loans grew 6.8% to $9.4B, deposits edged up 2.8% to $12.5B, and cash swelled to $589M on $351M operating cash flow. Debt stayed lean at $784M including $109M junior debentures. Non-GAAP metrics not disclosed in the 10-Q. Loans lead growth.

About

International Bancshares Corporation, a multibank financial holding company, provides a range of commercial and retail banking services in Texas and the State of Oklahoma. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company 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.

CEO

Mr. Dennis Edward Nixon

IPO

8/30/1995

Website

https://www.ibc.com

Employees

2,103

Sector

Financial Services

Industry

Banks - Regional