IBOC - NASDAQ

International Bancshares Corporation

IBOC·NASDAQ

$71.00

-0.29%

Financial ServicesBanks - Regional

International Bancshares Corporation, a financial holding company, provides commercial and retail banking services. 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, collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. As of February 28, 2022, the company had 170 branch facilities and 263 ATMs serving 76 communities in Texas and Oklahoma. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$4.41B

EPS6.6300

P/E Ratio10.71

Earnings Date07/30/2026

16.68B

Assets

3Y+8.0%

5Y+19.0%

10Y+41.0%

13.43B

Total Liabilities

3Y-

5Y+13.0%

10Y+33.0%

3.25B

Total Equity

16%

3Y+59.0%

5Y+49.0%

10Y+89.0%

International Bancshares Corporation Funding & Solvency Profile

IBOC · NASDAQ

Current Assets

Cash & Cash Equivalents536.49M

Net Receivables72.43M

Inventory0.00

Other Current Assets0.00

Total Current Assets609 M

Non-Current Assets

Property, Plant & Equipment422.99M

Goodwill & Intangible Assets282.53M

Long-Term Investments14.75B

Other Non-Current Assets505.76M

Total Non-Current Assets16 B

Total Assets

16.68B

Financial Health Analysis

Current Ratio

1.04x

Acceptable liquidity, but monitor closely. Current assets just barely cover current liabilities.

Debt-to-Equity Ratio

4.13x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

23 M

Positive working capital, but relatively tight. The company should monitor cash flow carefully.

Asset Composition

4% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

International Bancshares Corporation Balance Sheet

IBOC • NASDAQ

International Bancshares Corporation Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	536.5M	352.7M	651.1M	2.1B	3.2B	2B	256.8M	316.8M	265.4M	269.2M	273.1M	255.1M	274.8M	283.1M	261.9M	197.8M	224.6M	299.1M	333.9M	268.6M
Short-Term Investments	0.0	5B	4.8B	4.4B	4.2B	3.1B	3.4B	3.4B	4.2B	4.2B	4.2B	4.9B	5.3B	5.5B	5.2B	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	536.5M	5.3B	5.5B	6.5B	7.4B	5.1B	3.6B	3.7B	4.4B	4.4B	4.5B	5.2B	5.6B	5.8B	5.5B	197.8M	224.6M	299.1M	333.9M	268.6M
Net Receivables	72.4M	72.2M	65.3M	45.8M	30.6M	37.9M	36.6M	36.8M	34.5M	32.2M	31.6M	31.5M	30.7M	31M	32M	35.7M	41.7M	48.7M	54.3M	57.3M
Accounts Receivables	0.0	72.2M	65.3M	45.8M	30.6M	37.9M	36.6M	36.8M	34.5M	32.2M	31.6M	31.5M	30.7M	31M	32M	35.7M	41.7M	48.7M	54.3M	57.3M
Other Receivables	72.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	608.9M	5.4B	5.5B	6.6B	7.5B	5.1B	3.7B	3.8B	4.4B	4.5B	4.5B	5.2B	5.6B	5.8B	5.5B	233.5M	266.4M	347.8M	388.2M	325.9M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	423M	428.2M	437.1M	431.6M	447.1M	479.9M	506.6M	506.9M	514.5M	527.6M	516.7M	526.4M	504.8M	481.3M	453.1M	469M	490.4M	466.4M	435.7M	390.3M
Goodwill	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	283.2M	0.0
Intangible Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	25K	153K	797K	3.2M	7.8M	12.2M	17.3M	22.4M	27.4M	31.5M	316.6M
Goodwill & Intangible Assets	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.5M	282.6M	282.7M	283.3M	285.7M	290.4M	294.7M	299.8M	304.9M	309.9M	314.7M	316.6M
Long-Term Investments	14.7B	9B	8.3B	7.7B	7.4B	7.7B	7.2B	6.8B	6.6B	6.4B	6.4B	6.1B	5.5B	5.1B	5.3B	10.8B	10.6B	11.3B	10B	9.8B
Tax Assets	114M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	505.8M	595.5M	553.7M	563.7M	457.7M	454.5M	489.8M	473M	359M	95.6M	114.4M	130.7M	158.9M	179.9M	161.1M	165.8M	123.1M	53.6M	59.6M	71.9M
Total Non-Current Assets	16.1B	10.3B	9.5B	9B	8.6B	8.9B	8.4B	8.1B	7.8B	7.3B	7.3B	7B	6.5B	6B	6.2B	11.7B	11.5B	12.1B	10.8B	10.6B
Total Assets	16.7B	15.7B	15.1B	15.5B	16B	14B	12.1B	11.9B	12.2B	11.8B	11.8B	12.2B	12.1B	11.9B	11.7B	11.9B	11.8B	12.4B	11.2B	10.9B
LIABILITIES
CURRENT LIABILITIES
Short Term Debt	585.5M	535.3M	530.4M	431.2M	439.7M	428.1M	236.5M	230M	353.8M	505M	827.8M	858.4M	957.4M	1.1B	1.3B	1.4B	1.4B	1.4B	1.3B	706.3M
Other Current Liabilities	0.0	12.1B	11.8B	12.7B	12.6B	10.7B	8.8B	8.7B	8.5B	8.6B	8.5B	8.4B	8.2B	8.3B	7.9B	7.6B	7.2B	6.9B	7.2B	7B
Total Current Liabilities	585.5M	12.6B	12.4B	13.1B	13.1B	11.2B	9.1B	8.9B	8.9B	9.1B	9.4B	9.3B	9.2B	9.4B	9.3B	9B	8.6B	8.3B	8.5B	7.7B
NON-CURRENT LIABILITIES
Long Term Debt	119.2M	119.4M	119.6M	145.6M	570.8M	571M	761.2M	866.1M	1.4B	893.8M	667.2M	1.2B	1.4B	939.8M	684.9M	1.2B	1.5B	2.7B	1.7B	2.3B
Deferred Tax Liabilities (Non-Current)	103.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	36.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	12.6B	175.6M	143.8M	219.9M	109.4M	130.5M	171.1M	139.8M	91.4M	70.5M	76.2M	69.5M	39.6M	90.3M	159.9M	223.5M	186.5M	158.1M	86.8M	66.7M
Total Non-Current Liabilities	12.8B	295M	263.4M	365.5M	680.2M	701.5M	932.3M	1B	1.4B	964.3M	743.3M	1.3B	1.5B	1B	844.8M	1.5B	1.7B	2.9B	1.7B	2.4B
Total Liabilities	13.4B	12.9B	12.6B	13.5B	13.7B	11.9B	10B	9.9B	10.3B	10.1B	10.1B	10.6B	10.7B	10.4B	10.1B	10.5B	10.4B	11.2B	10.2B	10.1B
SHAREHOLDERS' EQUITY
Treasury Stock	-441M	-436.4M	-435.4M	-430.8M	-378.7M	-378M	-329.2M	-311.3M	-292.3M	-292.1M	-284.1M	-277.4M	-258.5M	-258.5M	-256.8M	-250.4M	-243.4M	-234.1M	-233M	-203.3M
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	210.5M	208.1M	205.7M	203.6M	0.0	0.0
Common Stock	96.7M	96.6M	96.5M	96.4M	96.4M	96.2M	96.2M	96.1M	96M	95.9M	95.9M	95.8M	95.7M	95.7M	95.7M	95.7M	95.7M	95.5M	95.4M	86.2M
Additional Paid-In Capital	160.9M	159.3M	155.5M	154.1M	152.1M	149.3M	148.1M	145.3M	171.8M	169.6M	168M	165.5M	163.9M	163.3M	162.8M	162.3M	161.3M	158.1M	144.1M	138.2M
Retained Earnings	3.7B	3.4B	3B	2.7B	2.5B	2.3B	2.2B	2.1B	1.9B	1.8B	1.7B	1.6B	1.5B	1.4B	1.3B	1.2B	1.1B	1B	929.1M	861.3M
Accumulated Other Comprehensive Income/Loss	-246.3M	-379.1M	-397.9M	-470.5M	-32M	20.8M	2.3M	-54.6M	-28.4M	-26.7M	2.2M	11.4M	-43.8M	65.7M	85M	28.8M	65.9M	18.2M	165K	-40.4M
Total Stockholders' Equity	3.3B	2.8B	2.4B	2B	2.3B	2.2B	2.1B	1.9B	1.8B	1.7B	1.7B	1.6B	1.4B	1.4B	1.6B	1.5B	1.4B	1.3B	935.9M	842.1M
Total Equity	3.3B	2.8B	2.4B	2B	2.3B	2.2B	2.1B	1.9B	1.8B	1.7B	1.7B	1.6B	1.4B	1.4B	1.6B	1.5B	1.4B	1.3B	935.9M	842.1M
SUMMARY
Total Liabilities & Equity	16.7B	15.7B	15.1B	15.5B	16B	14B	12.1B	11.9B	12.2B	11.8B	11.8B	12.2B	12.1B	11.9B	11.7B	11.9B	11.8B	12.4B	11.2B	10.9B
Total Investments	14.7B	14B	13.1B	12.1B	11.6B	10.8B	10.5B	10.3B	10.7B	10.6B	10.6B	11B	10.8B	10.6B	10.5B	10.8B	10.6B	11.3B	10B	9.8B
Total Debt	704.7M	654.7M	650M	576.8M	1B	999.1M	997.7M	1.1B	1.7B	1.4B	1.5B	2.1B	2.4B	2.1B	2B	2.7B	3B	4.2B	3B	3B
Net Debt	168.3M	302.1M	-1M	-1.5B	-2.2B	-998.1M	740.9M	779.3M	1.4B	1.1B	1.2B	1.9B	2.1B	1.8B	1.8B	2.5B	2.8B	3.9B	2.7B	2.7B
Shares Outstanding	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887	62,163,887

SEC Filings

IBOC - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 20, 2026	May 18, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 12, 2026	May 12, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 07, 2026	May 07, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 20, 2026	May 18, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 26, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 26, 2026	February 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 02, 2026	February 02, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 06, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	November 06, 2025	November 06, 2025	2025	View Filing

Showing 1 to 10 of 436 filings

Related Guides

Blog Categories

Continue your IBOC research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens

Snapshot

Start with context, operating signals, and key market metrics.

Value Model

Stress test fair value across bear, base, and bull assumptions.

Statements

Validate revenue quality, margins, and balance sheet durability.

Earnings Call

Read management commentary and compare it with reported outcomes.

Dividends

Check payout sustainability and long-term distribution behavior.

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.