International Bancshares Corporation (IBOC) Fundamentals — Income, Balance Sheet & Cash Flow | MarketCI

International Bancshares Corporation (IBOC) Fundamentals — Income, Balance Sheet & Cash Flow | MarketCI | MarketCI

IBOC

Market Closed

International Bancshares Corporation

NASDAQFinancial Services Banks - Regional

2.32K employees

CEO: Dennis E. Nixon

Founded: 1995

$75.89

+$0.00(+NaN%)

Market Cap

4.72B

Beta

0.69

52W Range

N/A

Dividend Yield

1.88%

Overview Forecasts Fundamental Market Sentiment Valuation Ownership

Financial Statements

Comprehensive breakdown of financial statements and performance metrics

Gross Margin

78.3%

2.8%

CAGR: 8.9%

Profit after direct costs

Operating Margin

49.4%

2.3%

CAGR: 12.7%

Core business profitability

Net Margin

39.1%

0.8%

CAGR: 12.9%

Bottom line profitability

Revenue Growth

1.0%

YoY

CAGR: 14.2%

Top line growth rate

Revenue Flow Analysis

Visual flow showing how IBOC allocates revenue across expenses and profit

Fiscal Year 2025

Revenue Distribution

Flow of revenue through cost categories to net income

Gross Margin

78.3%

$824.69M

Operating Margin

49.4%

$520.36M

Net Margin

39.1%

$412.29M

Detailed Income Statement

Complete profit and loss breakdown with margin analysis and historical comparison

Item	2021	2022	2023	2024	2025	YoY Change
Total Revenue	620.43M	712.91M	970.10M	1.04B	1.05B	1.0%
Cost of Revenue	(34.79M)	(59.81M)	(171.24M)	(241.06M)	(228.94M)	-5.0%
Gross Profit	585.64M	653.11M	798.87M	801.84M	824.69M	2.8%
Operating Expenses
Research & Development	—	—	—	—	—	—
Selling, General & Administrative	(131.91M)	(139.30M)	(145.74M)	(159.10M)	(188.36M)	18.4%
General & Administrative	(127.87M)	(134.71M)	(140.73M)	(152.81M)	(183.05M)	19.8%
Selling & Marketing	(4.04M)	(4.59M)	(5.01M)	(6.29M)	(5.31M)	-15.6%
Depreciation & Amortization	(25.03M)	(21.82M)	(21.94M)	(22.52M)	(23.35M)	3.7%
Operating Income (EBIT)	322.33M	382.64M	523.51M	508.72M	520.36M	2.3%
Non-Operating Items
Interest Income	398.10M	525.78M	800.16M	865.98M	886.27M	2.3%
Interest Expense	(26.83M)	(38.16M)	(136.66M)	(209.26M)	(213.85M)	2.2%
Other Income/Expenses (Net)	—	—	—	—	—	—
Income Before Tax	322.33M	382.64M	523.51M	508.72M	520.36M	2.3%
Income Tax Expense	(68.41M)	(82.41M)	(111.74M)	(99.55M)	(108.07M)	8.6%
Net Income	253.92M	300.23M	411.77M	409.17M	412.29M	0.8%
Per Share Metrics
Earnings Per Share (Basic)	$4	$5	$7	$7	$7	0.8%
Weighted Avg Shares Outstanding	63.35M	62.66M	62.08M	62.18M	62.28M	0.2%
Weighted Avg Shares Outstanding (Diluted)	63.49M	62.81M	62.22M	62.30M	62.26M	-0.1%
EBITDA	347.36M	404.46M	545.46M	531.24M	543.71M	2.3%

Explore IBOC

Overview

Key metrics and AI-powered insights

Forecast

Price targets and earnings estimates

Fundamentals

Income, balance sheet and cash flow

Valuation

P/E, DCF and valuation multiples

Ownership

Institutional and insider holdings

Sentiment

Analyst ratings and news sentiment

IBOC in the Financial Services

Mid Cap

Financial Services

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Banks - Regional

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