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International Bancshares Corporation

International Bancshares Corporation

IBOC · NASDAQ · Financial Services / Banks - Regional

67.76USD+0.25 (+0.37%)

Price History

Full chart

Market Stats

Previous Close67.51
Open67.56
Day Range66.00 – 67.98
52-Week Range61.94 – 77.68
Volume189.40K
Market Cap4.35B
P/E (TTM)10.50
Forward P/E9.81
EPS6.66
Dividend Yield2.11%
Beta0.68
50-Day Avg72.92
200-Day Avg71.61

About

International Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It 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, collections, escrow, drive up and walk up facilities, and other customary banking services; and internet and mobile banking services, as well as securities products through third party providers. The company offers its banking services through ATM network and retail locations in shopping malls and other places. International Bancshares Corporation was founded in 1966 and is headquartered in Laredo, Texas.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Mike K. Sohn
  • Employees2.13K
  • Headquarters1200 San Bernardo Avenue, Laredo, TX, United States, 78042-1359, USA
  • Websitehttps://www.ibc.com

Leadership

  • Mr. Dennis Edward NixonChairman of the Board & President · b. 1943
  • Ms. Judith I. WawroskiChief Accounting Officer, CFO & Treasurer · b. 1975
  • Ms. Rosalinda RamirezExecutive VP & Corporate Human Resources Director
  • Ms. Marisa V. SantosCorporate Secretary
  • Mr. Mike K. SohnCEO & President of International Bank of Commerce - San Antonio
  • Mr. Derek SchmidtCEO & President of International Bank of Commerce - Port Lavaca, Bay City
  • Mr. Robert B. BarnesChairman & CEO International Bank of Commerce - Austin, Texas
  • Mr. Hector J. CernaCEO & President of International Bank of Commerce - Eagle Pass
  • Mr. Ricardo X. RamirezPresident of International Bank of Commerce - Zapata
  • Mr. Jeff SamplesChairman & CEO International Bank of Commerce - Houston, Texas

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue143.52M144.20M312.60M367.90M401.70M479.13M469.94M439.57M445.32M487.19M675.93M786.04M808.94M754.41M728.39M677.55M619.62M576.23M552.82M571.95M552.49M549.62M565.54M630.86M647.23M577.59M620.43M712.91M970.10M1.04B1.05B
Growth (%)-+0.47%+116.79%+17.69%+9.19%+19.27%-1.92%-6.46%+1.31%+9.40%+38.74%+16.29%+2.91%-6.74%-3.45%-6.98%-8.55%-7.00%-4.06%+3.46%-3.40%-0.52%+2.90%+11.55%+2.59%-10.76%+7.42%+14.91%+36.08%+7.50%+1.03%
Cost of Revenue117.51M114.00M153.10M190.50M191.64M258.58M209.44M124.96M103.02M115.10M207.79M323.44M331.58M251.54M198.63M136.85M111.62M102.46M77.60M60.97M68.72M62.99M50.15M58.78M77.47M84.50M34.79M59.81M171.24M241.06M228.94M
Gross Profit26.01M30.19M159.50M177.40M210.07M220.55M260.50M314.62M342.31M372.09M469.10M462.61M477.36M502.87M529.76M540.71M508.00M473.77M475.22M510.98M483.77M486.63M515.39M572.08M569.75M493.09M585.64M653.11M798.87M801.84M824.69M
Gross Margin18.12%20.94%51.02%48.22%52.29%46.03%55.43%71.57%76.87%76.37%69.40%58.85%59.01%66.66%72.73%79.80%81.99%82.22%85.96%89.34%87.56%88.54%91.13%90.68%88.03%85.37%94.39%91.61%82.35%76.89%78.27%
Operating Expense-32.37M-34.32M85.80M99.10M106.97M111.96M135.44M154.84M159.75M195.18M256.95M288.72M300.28M301.23M309.03M339.73M316.77M315.37M292.63M281.04M276.92M289.63M293.75M299.50M309.80M281.33M263.32M270.47M275.35M293.12M304.33M
Operating Income58.38M64.51M73.70M78.30M103.10M108.59M125.06M159.77M182.55M176.91M212.15M173.89M177.08M201.64M220.73M200.98M191.23M158.40M182.59M229.94M206.84M197.00M221.64M272.58M259.95M211.76M322.33M382.64M523.51M508.72M520.36M
Operating Margin40.67%44.74%23.58%21.28%25.67%22.66%26.61%36.35%40.99%36.31%31.39%22.12%21.89%26.73%30.30%29.66%30.86%27.49%33.03%40.20%37.44%35.84%39.19%43.21%40.16%36.66%51.95%53.67%53.96%48.78%49.39%
EBITDA63.85M71.54M90.60M102.90M129.20M132.87M156.52M197.34M236.13M230.47M271.69M214.46M216.50M244.42M262.19M241.66M231.46M189.81M213.24M256.34M232.50M221.87M246.95M298.46M288.22M240.08M347.36M404.46M545.46M531.24M543.71M
EBITDA Margin44.49%49.61%28.98%27.97%32.16%27.73%33.31%44.89%53.02%47.31%40.19%27.28%26.76%32.40%36.00%35.67%37.35%32.94%38.57%44.82%42.08%40.37%43.67%47.31%44.53%41.57%55.99%56.73%56.23%50.94%51.60%
Net Income40.06M44.35M48.90M53.70M66.20M75.17M83.34M100.63M122.13M119.03M140.78M117.00M121.31M132.11M142.74M130.02M127.15M107.83M126.35M153.15M136.73M133.93M157.44M215.93M205.10M167.32M253.92M300.23M411.77M409.17M412.29M
Net Income Margin27.91%30.76%15.64%14.60%16.48%15.69%17.73%22.89%27.42%24.43%20.83%14.88%15.00%17.51%19.60%19.19%20.52%18.71%22.86%26.78%24.75%24.37%27.84%34.23%31.69%28.97%40.93%42.11%42.45%39.23%39.13%
R&D---------------000000000-------
R&D as % of Total Revenue---------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense112.36M107.37M145.40M181.90M185.20M251.76M200.81M116.42M94.72M108.60M206.83M319.59M333.34M231.73M139.80M114.04M94.30M74.50M54.63M46.54M44.32M43.13M38.93M52.67M58.63M39.12M26.83M38.16M136.66M209.26M213.85M
Interest Expense % of Total Revenue78.29%74.46%46.51%49.44%46.10%52.54%42.73%26.48%21.27%22.29%30.60%40.66%41.21%30.72%19.19%16.83%15.22%12.93%9.88%8.14%8.02%7.85%6.88%8.35%9.06%6.77%4.32%5.35%14.09%20.07%20.30%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets2.94B3.35B4.52B4.99B5.42B5.86B6.38B6.50B6.58B9.92B10.39B10.91B11.17B12.44B11.76B11.94B11.74B11.88B12.08B12.20B11.77B11.80B12.18B11.87B12.11B14.03B16.05B15.50B15.07B15.74B16.68B
Total Liabilities2.69B3.07B4.18B4.62B5.07B5.44B5.88B5.95B6.00B9.16B9.60B10.07B10.23B11.18B10.36B10.48B10.14B10.45B10.66B10.62B10.11B10.08B10.35B9.93B9.99B11.85B570.78M13.46B12.62B12.94B13.43B
Total Equity245.76M283.77M341.20M370.30M353.40M416.89M497.03M547.26M577.38M753.09M792.87M842.06M935.90M1.26B1.41B1.46B1.60B1.44B1.42B1.58B1.67B1.72B1.84B1.94B2.12B2.18B15.48B2.04B2.45B2.80B3.25B
Cash123.83M171.99M239.40M122.00M123.60M128.10M178.38M154.30M152.33M175.17M216.51M268.60M333.90M299.12M224.64M197.81M261.88M283.10M274.79M255.15M273.05M269.20M265.36M316.80M256.82M2.00B3.21B2.09B651.06M352.65M536.49M
Total Debt66.50M239.00M968.40M1.21B2.88B1.66B1.49B1.64B1.52B2.53B2.87B3.01B2.99B4.17B2.99B2.66B2.03B2.07B2.37B2.11B934.94M948.78M1.46B1.10B997.69M999.12M574.31M565.83M650.03M654.73M704.74M
Net Debt-57.33M67.01M729.00M1.09B2.76B1.53B1.31B1.49B1.37B2.35B2.65B2.74B2.65B3.87B2.77B2.46B1.77B1.79B2.10B1.85B394.11M624.59M1.09B779.27M740.87M-998.12M-2.64B-1.94B-1.03M302.08M168.26M

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow66.56M66.88M80.50M86.70M77.30M94.34M105.42M134.76M145.90M158.27M185.94M155.74M183.39M154.10M141.77M178.16M180.82M160.01M209.13M193.04M203.65M203.22M196.82M229.85M311.56M305.13M291.68M387.94M474.43M473.95M491.06M
Investing Cash Flow-135.35M-62.15M-773.50M-626.60M-449.20M-449.98M211.42M-335.78M-99.48M-594.01M-311.11M-724.92M-88.91M-1.25B679.15M-255.44M207.13M-261.02M-447.65M-90.40M373.23M-137.76M-403.81M379.44M-318.06M-343.70M-915.89M-992.03M-1.07B-985.06M-591.69M
Financing Cash Flow102.41M43.44M758.70M422.70M386.40M346.77M-157.74M70.01M15.10M415.79M387.52M408.27M-45.63M1.05B-895.00M50.46M-323.88M122.22M230.21M-122.28M-558.97M-69.31M203.15M-557.85M-53.48M1.78B1.84B-517.43M-843.89M212.71M284.47M
Capital Expenditure11.58M16.07M24.60M19.20M19.00M22.68M29.66M15.06M54.00M51.87M73.05M68.68M80.61M69.61M61.27M16.19M20.57M62.31M50.02M50.36M19.83M38.86M14.31M21.39M29.59M6.72M10.39M19.21M27.50M14.15M18.12M
Free Cash Flow54.98M50.81M55.90M67.50M58.30M71.67M75.75M119.70M91.90M106.40M112.89M87.06M102.78M84.49M80.49M161.97M160.26M97.70M159.11M142.68M183.82M164.36M182.50M208.45M281.98M298.41M281.29M368.73M446.94M459.80M472.94M
Dividends Paid2.76M3.49M4.40M11.30M17.10M21.04M21.18M22.02M32.63M39.77M40.83M44.17M44.77M45.25M32.92M35.24M36.45M37.15M28.89M34.76M38.52M39.57M43.59M49.60M68.67M69.93M72.84M75.38M78.25M82.08M87.06M
FCF to OCF82.60%75.97%69.44%77.85%75.42%75.96%71.86%88.83%62.99%67.23%60.71%55.90%56.04%54.83%56.78%90.91%88.63%61.06%76.08%73.91%90.26%80.88%92.73%90.69%90.50%97.80%96.44%95.05%94.20%97.02%96.31%
Dividend Paid to FCF5.02%6.87%7.87%16.74%29.33%29.36%27.96%18.39%35.50%37.37%36.17%50.73%43.56%53.56%40.90%21.76%22.74%38.03%18.16%24.36%20.95%24.07%23.89%23.79%24.35%23.43%25.89%20.44%17.51%17.85%18.41%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Dec 31, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Dec 31, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Aug 7, 2001Oct 25, 2001Feb 25, 2002May 9, 2002Aug 6, 2002Nov 7, 2002Feb 25, 2003May 7, 2003Aug 9, 2003Nov 7, 2003Feb 26, 2004May 3, 2004Aug 5, 2004Oct 28, 2004Mar 7, 2005Apr 28, 2005Jul 28, 2005Oct 27, 2005Mar 3, 2006May 3, 2006Aug 2, 2006Nov 6, 2006Feb 23, 2007May 8, 2007Aug 6, 2007Nov 2, 2007Feb 25, 2008May 5, 2008Aug 1, 2008Oct 24, 2008Feb 13, 2009May 4, 2009Aug 4, 2009Nov 2, 2009Mar 1, 2010May 6, 2010Aug 5, 2010Nov 1, 2010Feb 28, 2011May 6, 2011Aug 8, 2011Nov 7, 2011Feb 27, 2012May 7, 2012Aug 6, 2012Nov 5, 2012Feb 25, 2013May 9, 2013Aug 5, 2013Dec 31, 2013Feb 24, 2014May 5, 2014Aug 11, 2014Nov 5, 2014Mar 31, 2015May 4, 2015Aug 10, 2015Nov 5, 2015Feb 26, 2016May 13, 2016Aug 8, 2016Nov 7, 2016Feb 27, 2017May 8, 2017Aug 7, 2017Nov 8, 2017Feb 28, 2018May 7, 2018Aug 7, 2018Nov 7, 2018Feb 27, 2019May 9, 2019Aug 8, 2019Nov 6, 2019Feb 27, 2020May 7, 2020Aug 6, 2020Nov 5, 2020Feb 25, 2021May 6, 2021Aug 5, 2021Nov 10, 2021Feb 24, 2022May 5, 2022Aug 4, 2022Nov 3, 2022Feb 23, 2023May 4, 2023Aug 3, 2023Nov 2, 2023Feb 26, 2024May 2, 2024Aug 1, 2024Nov 4, 2024Feb 24, 2025Apr 30, 2025Aug 7, 2025Nov 6, 2025Feb 26, 2026May 7, 2026Aug 6, 2026Nov 5, 2026
EPS Estimate-------------0.280.300.360.320.320.34----0.42--------------------0.500.410.400.440.470.380.340.400.390.420.400.300.370.420.330.350.370.39-0.390.390.400.41------------------------------------------0.00-1.631.681.611.58
EPS Actual0.280.240.220.180.260.240.240.220.330.320.260.220.300.270.300.320.310.310.440.390.460.420.500.420.390.380.470.470.530.470.500.480.340.490.380.450.270.500.470.520.490.480.490.460.500.460.490.500.420.450.450.400.450.430.400.400.420.310.330.330.530.430.580.650.560.500.570.540.510.480.520.500.450.540.530.480.480.610.590.630.800.790.770.860.790.760.780.790.530.650.670.760.801.450.860.890.840.921.341.681.631.621.661.711.561.561.601.851.561.611.741.711.641.54-
Surprise--------------3.57%0.00%-11.11%-3.13%-3.13%29.41%----0.00%--------------------0.00%12.20%22.50%13.64%-10.64%18.42%32.35%0.00%15.38%2.38%0.00%33.33%13.51%-26.19%0.00%-5.71%43.24%10.26%-66.67%43.59%24.25%39.02%--------------------------------------------4.91%-2.38%-4.35%-
Timing----------------After-hoursAfter-hoursAfter-hours----After-hours--------------------Pre-marketAfter-hoursPre-market-Pre-marketAfter-hoursPre-market-After-hoursPre-marketAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hours------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours---After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-market-After-hoursAfter-hours-After-hoursAfter-hours

Key Statistics & Ratios

Market Cap4.35B
Enterprise Value4.63B
Trailing P/E10.50
Forward P/E9.81
PEG Ratio0.98
Price / Sales5.19
Price / Book1.27
EPS6.66
Book Value54.28
Revenue (TTM)837.57M
Gross Profit (TTM)837.57M
Profit Margin49.34%
Operating Margin60.49%
Return on Equity12.92%
Return on Assets2.47%
Shares Outstanding62.19M
Shares Float56.18M
Beta0.68
Dividend Yield2.11%
Dividend Rate1.46
Payout Ratio22.02%

Ownership Breakdown

Institutions
73.01%
Insiders
13.08%
Retail / Other
13.91%

Top Institutional Holders

  • BlackRock Inc
    6.65M10.68%
  • Vanguard Portfolio Management, LLC
    3.40M5.47%
  • Dimensional Fund Advisors, Inc.
    3.26M5.24%
  • American Century Companies Inc
    3.13M5.03%
  • State Street Corp
    2.62M4.22%
  • Vanguard Capital Management, LLC
    2.47M3.98%
  • Geode Capital Management, LLC
    1.49M2.40%
  • BTIM Corp
    1.31M2.10%
  • T. Rowe Price Investment Management,Inc.
    1.16M1.87%
  • The Goldman Sachs Group Inc
    923.92K1.49%
  • Azora Capital LP
    885.77K1.42%
  • First Trust Advisors L.P.
    820.84K1.32%
  • Reinhart Mahoney Capital Management Inc
    749.76K1.21%
  • Tamar Securities, LLC
    721.21K1.16%

Top Fund Holders

  • iShares Core S&P Mid-Cap ETF
    1.89M3.04%
  • Vanguard MStar Total Stk Mkt Idx Invest
    1.78M2.87%
  • Avantis US Small Cap Value ETF
    1.74M2.80%
  • iShares Russell 2000 ETF
    1.43M2.30%
  • Vanguard Small Cap Index
    1.29M2.07%
  • Vanguard MStar Small Cap Value Index
    817.75K1.31%

Dividends

20262×
0.73Aug 14, 20260.73Feb 13, 2026
20252×
0.70Aug 15, 20250.70Feb 14, 2025
20242×
0.66Aug 14, 20240.66Feb 14, 2024
20232×
0.63Aug 10, 20230.63Feb 14, 2023
20222×
0.60Aug 15, 20220.60Feb 14, 2022
20212×
0.60Aug 19, 20210.55Feb 4, 2021
20202×
0.55Sep 18, 20200.55Mar 31, 2020
20192×
0.55Sep 27, 20190.50Mar 29, 2019
20182×
0.42Oct 5, 20180.33Mar 29, 2018
20172×
0.33Sep 28, 20170.33Mar 30, 2017
20162×
0.31Sep 28, 20160.29Mar 30, 2016
20152×
0.29Sep 28, 20150.29Mar 30, 2015

Stock Splits

  • May 17, 200711:10
  • Jun 1, 2005125:100
  • Jun 1, 20045:4
  • Jun 17, 20035:4
  • Jun 17, 20025:4
  • Jun 18, 2001125:100
  • Jun 13, 20005:4
  • Jun 14, 19995:4
  • Jun 15, 19985:4
  • Jun 10, 19975:4
  • Jun 10, 19965:4