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Intl Bancshares

IBOC Nasdaq Regional Banks Financials FY2016–FY2025

Intl Bancshares' revenue rose 1.0% to $842 million in fiscal 2025. Net income was $412 million, up 0.8%. Its return on equity was 13.6%, down from 15.6% a year earlier. Its efficiency ratio was 36.4%, up from 35.2% a year earlier. It paid out $92 million in dividends and buybacks.

Last close · Oct 23, 2026

$67.16

0.2%
Value it Compare
Revenue Total sales reported in the income statement.
$842M
1.0% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
36.4%
1.3 pts
Net income Profit after all expenses, interest and tax.
$412M
0.8%
Return on equity Net income as a share of average shareholders' equity.
13.6%
2.0 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$4.2B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
10.1x
On $6.63 EPS (TTM)

What Intl Bancshares does

No business description yet.

Legal name
INTERNATIONAL BANCSHARES CORPORATION
Fiscal year ends
December 31, 2025
Latest annual report
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Accession · CIK
0001104659-26-020439
0000315709

Revenue and margins

Intl Bancshares had $842M of revenue in fiscal 2025, up 1.0% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 14.1% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Intl Bancshares returned $91.7M to shareholders in fiscal 2025. The diluted share count fell 0.1%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value Intl Bancshares yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Earnings multiple

Value per share

—

Reference multiples: today 10.1x · peers 12.8x · sector 13.7x.

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net —$7.3B$7.9B$8.7B$9.3B
Deposits $12.6B$12.7B$11.8B$12.1B$12.4B
Loans / deposits —57.7%66.8%71.4%74.8%
Total assets $16.0B$15.5B$15.1B$15.7B$16.6B
Shareholders' equity $2.3B$2.0B$2.4B$2.8B$3.3B
Goodwill $283M$283M$283M$283M$283M
Intangible assets $0.0M$0.0M$0.0M$0.0M$0.0M
Provision / loans ——0.5%0.4%0.2%

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.7M

1 insider

Of sales under plans

0%

$0.0M

DateInsiderTradeSharesPriceValueFiling
May 21, 2026 Larry A NortonDirector Sold 10,000 $72.00 $0.7M Form 4

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Intl Bancshares IBOC $4.2B 1.0% — — — 10.1x —
Home BancShares HOMB $6.0B 7.2% — — — 12.4x — Compare →
First Financial Bankshares FFIN $4.3B 14.7% — — — 16.1x — Compare →
United Bankshares UBSI $6.9B 19.6% — — — 13.3x — Compare →
Prosperity Bancshares PB $6.6B 4.8% — — — 12.1x — Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $507M $527M $578M $589M $539M $594M $675M $833M $834M $842M
Net interest income $345M $376M $413M $434M $388M $371M $488M $664M $657M $672M
Noninterest income $162M $150M $165M $155M $151M $222M $187M $170M $177M $170M
Noninterest expense $290M $294M $300M $310M $281M $263M $271M $275M $293M $307M
Provision for credit losses — — $6.1M $18.8M $45.4M $8.0M $21.7M $34.6M $31.8M $15.1M
Pretax income $197M $222M $273M $260M $212M $322M $383M $524M $509M $520M
Income tax $63.1M $64.2M $56.7M $54.8M $44.4M $68.4M $82.4M $112M $99.6M $108M
Net income $134M $157M $216M $205M $167M $254M $300M $412M $409M $412M
Net income to common $134M $157M $216M $205M $167M $254M $300M $412M $409M $412M
Diluted EPS $2.02 $2.36 $3.24 $3.12 $2.62 $4.00 $4.78 $6.62 $6.57 $6.62
Diluted shares 0.07B 0.07B 0.07B 0.07B 0.06B 0.06B 0.06B 0.06B 0.06B 0.06B
Cash flow
Stock-based compensation $1.1M $0.9M $1.0M $1.0M $0.7M $0.5M $0.4M $0.3M $0.2M $0.1M
Share buybacks $8.0M $0.2M $19.0M $17.8M $48.9M $0.7M $52.0M $4.6M $1.0M $4.6M
Dividends paid $39.6M $43.6M $49.6M $68.7M $69.9M $72.8M $75.4M $78.2M $82.1M $87.1M
Dividends and buybacks $47.5M $43.8M $68.6M $86.5M $119M $73.6M $127M $82.9M $83.0M $91.7M
Balance sheet
Loans, net $5.9B $6.3B $6.5B $6.8B — — $7.3B $7.9B $8.7B $9.3B
Deposits $8.6B $8.5B $8.7B $8.8B $10.7B $12.6B $12.7B $11.8B $12.1B $12.4B
Goodwill $283M $283M $283M $283M $283M $283M $283M $283M $283M $283M
Intangible assets $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Total assets $11.8B $12.2B $11.9B $12.1B $14.0B $16.0B $15.5B $15.1B $15.7B $16.6B
Preferred stock $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $1.7B $1.8B $1.9B $2.1B $2.2B $2.3B $2.0B $2.4B $2.8B $3.3B
Margins
Net margin 26.4% 29.9% 37.4% 34.9% 31.1% 42.8% 44.5% 49.4% 49.1% 49.0%
Net interest share of revenue 68.1% 71.4% 71.5% 73.7% 72.0% 62.6% 72.3% 79.6% 78.8% 79.8%
Efficiency ratio 57.2% 55.8% 51.8% 52.6% 52.3% 44.4% 40.1% 33.0% 35.2% 36.4%
Returns
Return on equity 7.9% 8.8% 11.4% 10.1% 7.8% 11.3% 13.8% 18.3% 15.6% 13.6%
Return on assets 1.1% 1.3% 1.8% 1.7% 1.3% 1.7% 1.9% 2.7% 2.7% 2.6%
Return on tangible equity 9.5% 10.5% 13.4% 11.8% 9.0% 13.0% 15.9% 21.0% 17.5% 15.0%
Growth
Revenue growth −0.3% 4.0% 9.8% 1.8% −8.5% 10.2% 13.7% 23.5% 0.0% 1.0%
Net income growth −2.0% 17.6% 37.2% −5.0% −18.4% 51.8% 18.2% 37.2% −0.6% 0.8%
EPS growth −1.5% 16.8% 37.3% −3.7% −16.0% 52.7% 19.5% 38.5% −0.8% 0.8%
Share count change −0.5% 0.7% −0.2% −1.4% −2.8% −0.6% −1.1% −0.9% 0.1% −0.1%
Financial health
Loans / deposits 68.5% 73.5% 74.7% 77.4% — — 57.7% 66.8% 71.4% 74.8%
Provision / loans — — 0.1% 0.3% — — — 0.5% 0.4% 0.2%
Capital allocation
Stock comp / revenue 0.2% 0.2% 0.2% 0.2% 0.1% 0.1% 0.1% 0.0% 0.0% 0.0%

Source: SEC EDGAR XBRL filings (CIK 0000315709). Data updated October 18, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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