IBOCTXSEState Commercial BanksFiscal year ends December 31
INTERNATIONAL BANCSHARES CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$66.04−1.30 (-1.93%)
Close on Oct 19, 2026
- Market cap
- $4.11B
- P/E (TTM)
- 9.9
- Dividend yield
- 2.12%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
49.0%+17.9 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +1.0% | +7.7% | +9.4% | +5.2% | |
| Net income | +0.8% | +11.2% | +19.8% | +11.7% | |
| EPS, diluted | +0.8% | +11.5% | +20.4% | +12.4% | |
| Free cash flow | +2.9% | +8.7% | +9.6% | +9.9% | |
| Dividend per share | +6.1% | +5.3% | +4.9% | +9.2% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 7.9% | 7.8% | 13.6% | |
| Return on assets | 1.1% | 1.3% | 2.6% | |
| Capex to revenue | 7.7% | 1.2% | 2.2% | |
| Diluted shares | 66M | 64M | 62M |
Where the cash went
Fiscal 2021 to 2025, five years combined
International Bancshares generated $2.12B from operations and spent $547.91M on capital expenditure, dividends and share buybacks. 16% of that went back into the business.
Generated
$2.12B
Used
$547.91M
Capital expenditure$89.37M16%Dividends$395.60M72%Share buybacks$62.95M11%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin49.0%
×Asset turnover0.05×
×Equity multiplier5.34×
=Return on equity, FY202513.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 49.0% | 0.05× | 5.34× | 13.6% |
| FY2024 | 49.1% | 0.05× | 5.87× | 15.6% |
| FY2023 | 49.4% | 0.05× | 6.80× | 18.3% |
| FY2022 | 44.5% | 0.04× | 7.25× | 13.8% |
| FY2021 | 42.8% | 0.04× | 6.70× | 11.3% |
| FY2020 | 31.1% | 0.04× | 6.09× | 7.8% |
| FY2019 | 34.8% | 0.05× | 5.91× | 10.1% |
| FY2018 | 37.3% | 0.05× | 6.37× | 11.4% |
| FY2017 | 29.9% | 0.04× | 6.73× | 8.8% |
| FY2016 | 26.4% | 0.04× | 6.95× | 7.9% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$412.29M
- Cash generatingOperating cash flow above zero$491.06M
- Return on assets improvedROA up on the prior year2.7% → 2.6%
- Earnings backed by cashOperating cash flow above net income$491.06M vs $412.29M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise62M → 62M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.06 → 0.05