IBOC - NASDAQ
International Bancshares Corporation
$71.00
-0.29%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.
At a Glance
Live SnapshotInternational Bancshares Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
International Bancshares Corporation Cash Flow Statement
IBOC • NASDAQ
| International Bancshares Corporation Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
412.3M | 409.2M | 411.8M | 300.2M | 253.9M | 167.3M | 205.1M | 215.9M | 157.4M | 133.9M | 136.7M | 153.2M | 126.4M | 107.8M | 127.1M | 130M | 142.7M | 132.1M | 121.3M | 117M | |
23.3M | 22.5M | 21.9M | 21.8M | 25M | 28.3M | 28.3M | 25.9M | 25.3M | 24.9M | 25.7M | 26.4M | 30.7M | 31.4M | 40.2M | 40.7M | 41.5M | 42.8M | 39.4M | 40.6M | |
0.0 | -11.5M | 23M | 10.6M | 3.5M | -3.1M | 3.3M | 5.1M | 4.6M | 7.3M | -332K | -1M | -1.8M | 7.9M | -2.3M | -3.5M | -3M | -4.7M | -4.6M | -15.7M | |
0.0 | 214K | 330K | 449K | 506K | 743K | 980K | 1M | 903K | 1.1M | 1.2M | 1.1M | 414K | 474K | 387K | 534K | 655K | 692K | 771K | 0.0 | |
47.2M | 27.4M | 33.5M | 15M | -18.3M | 84.5M | 33.5M | 11.1M | 26.4M | 36.8M | 44.1M | 23.4M | 34.8M | 9.7M | 14.4M | -5.1M | 35.1M | 7.2M | 21.5M | -4.3M | |
(0.0) | (51.2M) | (69.8M) | (22.1M) | (47.4M) | (34.8M) | (44.1M) | (40.6M) | (67M) | (49.9M) | (65.2M) | (80.4M) | (60.5M) | (36.3M) | (60.9M) | (78.4M) | (83.8M) | (69.6M) | (62.1M) | (0.0) | |
30.1M | 26.1M | -16.1M | 39.8M | 27M | 27.4M | 40.4M | -29.3M | -17.8M | -811K | -3.7M | -9.9M | 18.7M | 2.7M | 995K | 15.5M | -75.1M | -24M | 5M | 18.2M | |
513M | 473.9M | 474.4M | 387.9M | 291.7M | 305.1M | 311.6M | 229.8M | 196.8M | 203.2M | 203.6M | 193M | 209.1M | 160M | 180.8M | 178.2M | 141.8M | 155.5M | 183.4M | 155.7M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-18.1M | -14.1M | -27.5M | -19.2M | -10.4M | -6.7M | -29.6M | -21.4M | -14.3M | -38.9M | -19.8M | -50.4M | -50M | -62M | -20.4M | -16M | -61M | -68.5M | -80.6M | -68.7M | |
(23K) | (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) | (7.3M) | (0.0) | |
-944.1M | -1B | -1.1B | -1.5B | -2.9B | -1.9B | -946.1M | -90.8M | -1.2B | -1.4B | -368.9M | -992M | -1.4B | -3.1B | -2.2B | -2.7B | -1.3B | -2.1B | -1.6B | -1.2B | |
1B | 839.5M | 682.4M | 759.1M | 1.6B | 2.1B | 977.1M | 737.4M | 1.2B | 1.3B | 1B | 1.4B | 1.4B | 2.7B | 2.1B | 2.3B | 1.9B | 1.2B | 2B | 932.8M | |
-664.7M | -777.8M | -611.6M | -197M | 392.7M | -574.8M | -319.4M | -245.8M | -357.5M | 2.2M | -258.1M | -457M | -413.8M | 208.7M | 367.1M | 195.3M | 169.9M | -340.2M | -433.1M | -429.7M | |
-613.6M | -985.1M | -1.1B | -992M | -915.9M | -343.7M | -318.1M | (379.4M) | -403.8M | -137.8M | (373.2M) | -90.4M | -447.6M | -261M | (207.1M) | -255.4M | (679.2M) | -1.3B | -88.9M | -724.9M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-4.6M | 2.8M | -3.4M | -50.5M | 1.7M | -48.3M | -15.9M | -17.5M | 1.3M | -7.4M | -5.3M | -18.4M | 265K | -1.7M | -6.3M | -6.5M | -6.6M | 215.8M | -24M | -26.1M | |
-209K | -204K | -26M | -425.2M | -189K | -190.2M | -104.9M | -489.6M | 461.9M | 226.6M | -582.2M | -165.3M | 474.9M | 254.9M | -543M | -320.8M | -1.2B | 1.1B | -649.2M | 145M | |
-87.1M | -82.1M | -78.2M | -75.4M | -72.8M | -69.9M | -68.7M | -49.6M | -43.6M | -39.6M | -38.5M | -34.8M | -28.9M | -37.2M | -36.4M | -35.2M | -32.9M | -45.3M | -44.8M | -44.2M | |
-4.6M | -963K | -4.6M | -52M | -716K | -48.9M | -17.8M | -19M | -187K | -8M | -6.7M | -18.9M | (0.0) | -217.7M | -6.4M | -6.9M | -9.3M | -1.1M | -29.7M | -28M | |
376.4M | 292.2M | -736.2M | 33.6M | 1.9B | 2.1B | 136M | -1.2M | -216.4M | -249M | 67.1M | 96.2M | -216.1M | 122.2M | 261.9M | 413M | 319.9M | -186.6M | 672.4M | 333.5M | |
284.5M | 212.7M | -843.9M | -517.4M | 1.8B | 1.8B | -53.5M | -557.8M | 203.1M | -69.3M | -559M | -122.3M | 230.2M | 122.2M | -323.9M | 50.5M | -895M | 1B | -45.6M | 408.3M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
183.8M | -298.4M | -1.4B | -1.1B | 1.2B | 1.7B | -60M | 51.4M | -3.8M | -3.9M | 17.9M | -19.6M | -8.3M | 21.2M | 64.1M | -26.8M | -74.1M | -47.3M | 48.8M | -160.9M | |
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 | 298.7M | 346.1M | 297.2M | 458.1M | |
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 | 298.7M | 346.1M | 297.2M | |
494.8M | 459.8M | 446.9M | 368.7M | 281.3M | 298.4M | 282M | 208.5M | 182.5M | 164.4M | 183.8M | 142.7M | 159.1M | 97.7M | 160.3M | 162M | 80.5M | 84.5M | 102.8M | 87.1M |
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 | |
8-K 8-K 2026 N/A | May 12, 2026 | May 12, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 07, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 20, 2026 | May 18, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 26, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 26, 2026 | February 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 02, 2026 | February 02, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 06, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 06, 2025 | November 06, 2025 | 2025 |
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