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International Bancshares Corporation

Financial Services US IBOC

72.94USD
1.94(2.73%)

Last update at 2026-06-04T20:00:00Z

Day Range

71.9073.10
LowHigh

52 Week Range

41.4361.46
LowHigh

Fundamentals

  • Previous Close 71.00
  • Market Cap3566.47M
  • Volume278125
  • P/E Ratio8.84
  • Dividend Yield2.23%
  • Revenue TTM794.78M
  • Revenue Per Share TTM12.80
  • Gross Profit TTM 653.11M
  • Diluted EPS TTM6.49

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 382.64M 322.33M 211.76M 259.95M 272.58M
Minority interest - - - - -
Net income 300.23M 253.92M 167.32M 205.10M 215.93M
Selling general administrative 134.71M 127.87M 131.91M 147.34M 142.27M
Selling and marketing expenses 4.59M 4.04M 4.28M 7.75M 7.70M
Gross profit 674.76M 593.60M 538.47M 588.60M 578.20M
Reconciled depreciation 21.82M 25.03M 28.32M 28.27M 25.87M
Ebit 420.80M 322.33M 211.76M 259.95M 325.25M
Ebitda 442.62M 347.36M 240.08M 288.22M 351.12M
Depreciation and amortization 21.82M 25.03M 28.32M 28.27M 25.87M
Non operating income net other - - - - -
Operating income 420.80M 322.33M 211.76M 259.95M 325.25M
Other operating expenses -253.96400M -271.27100M -326.71000M -328.64400M 252.94M
Interest expense 38.16M 26.83M 39.12M 58.63M 52.67M
Tax provision 82.41M 68.41M 44.44M 54.85M 56.65M
Interest income 525.78M 398.10M 427.01M 492.40M 465.82M
Net interest income 487.62M 371.27M 387.89M 433.77M 413.15M
Extraordinary items - - - - 1.56M
Non recurring - - - - -
Other items - - - - -
Income tax expense 82.41M 68.41M 44.44M 54.85M 56.65M
Total revenue 674.76M 593.60M 538.47M 588.60M 578.20M
Total operating expenses -253.96400M -271.27100M -326.71000M -328.64400M -252.94500M
Cost of revenue - - - - 0.00000M
Total other income expense net -38.15600M -26.83100M -39.11900M -58.62900M -52.66800M
Discontinued operations - - - - -
Net income from continuing ops 300.23M 253.92M 167.32M 205.10M 215.93M
Net income applicable to common shares 300.23M 253.92M 167.32M 205.10M 215.93M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 15156.93M 15501.48M 16046.24M 14029.47M 12112.89M
Intangible assets - - - - -
Earning assets - - - - 3387.42M
Other current assets 743.32M 45.79M 3342.59M 4806.39M 3945.56M
Total liab 12709.16M 13456.72M 570.78M 570.97M 761.15M
Total stockholder equity 2447.77M 2044.76M 2308.48M 2178.00M 2118.05M
Deferred long term liab - - - - -
Other current liab 7332.76M 12660.01M 12617.88M 3084.17M 9860.20M
Common stock 96.47M 96.42M 96.35M 96.24M 96.22M
Capital stock 96.47M 96.42M 96.35M 96.24M 96.22M
Retained earnings 3029.09M 2695.57M 2470.71M 2289.63M 2200.57M
Other liab - 219.93M 109.43M 121.02M 171.12M
Good will 282.53M 282.53M 282.53M 282.53M 282.53M
Other assets 0.00000M 3450.56M 3342.59M 4806.39M 3945.56M
Cash 651.06M 2087.72M 3209.24M 1997.24M 256.82M
Cash and equivalents - - - - -
Total current liabilities 7863.18M 12660.01M 12617.88M 3084.17M 9860.20M
Current deferred revenue - - - - -
Net debt -1.02900M -1942.13800M -2638.46200M -1426.26900M 504.33M
Short term debt 530.42M - - 1432.50M 11.29M
Short long term debt - - - - 11.29M
Short long term debt total 650.03M 145.59M 570.78M 570.97M 761.15M
Other stockholder equity -279.89200M -276.73100M -226.60000M -228.69400M -181.07500M
Property plant equipment - 431.61M 447.08M 479.88M 506.60M
Total current assets 743.32M 6551.31M 7453.76M 5115.89M 3672.36M
Long term investments 5174.61M 358.91M 296.88M 254.41M 7153.10M
Net tangible assets - 1762.23M 2025.95M 1895.47M 1835.52M
Short term investments 4822.34M 4417.80M 4213.92M 3080.77M 3378.92M
Net receivables 65.30M 45.79M 30.59M 37.88M 36.62M
Long term debt 119.61M 134.64M 134.64M 134.64M 134.64M
Inventory -5538.70100M 34.78M 40.13M 60.49M 78.24M
Accounts payable - 12660.01M 12617.88M 10721.86M 8826.03M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -397.88900M -470.49700M -31.98000M 20.82M 2.35M
Additional paid in capital - - - - -
Common stock total equity - 96.42M 96.35M 96.24M 96.22M
Preferred stock total equity - - - - -
Retained earnings total equity - 2695.57M 2470.71M 2289.63M 2200.57M
Treasury stock - - - - -329.15000M
Accumulated amortization - - - - -
Non currrent assets other 13204.23M -5499.60800M -5249.89500M -4107.19300M -4494.97200M
Deferred long term asset charges - - - - -
Non current assets total 14413.61M 5499.61M 5249.90M 4107.19M 4494.97M
Capital lease obligations - - - - -
Long term debt total - 134.64M 134.64M 134.64M 134.64M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -995.28000M -925.21800M -344.56300M -299.73400M 392.12M
Change to liabilities 42.02M -5.51900M -13.93200M 32.16M 24.92M
Total cashflows from investing activities -992.02800M -915.88900M -343.70500M -318.05800M 379.44M
Net borrowings -433.67500M 11.34M 1.43M -98.38100M -613.37600M
Total cash from financing activities -517.43100M 1836.21M 1778.99M -53.48400M -557.84700M
Change to operating activities 54.99M 19.70M 28.64M 40.20M -26.91100M
Net income 300.23M 253.92M 167.32M 205.10M 215.93M
Change in cash -1121.51800M 1212.00M 1740.42M -59.97700M 51.44M
Begin period cash flow 3209.24M 1997.24M 256.82M 316.80M 265.36M
End period cash flow 2087.72M 3209.24M 1997.24M 256.82M 316.80M
Total cash from operating activities 387.94M 291.68M 305.13M 311.56M 229.85M
Issuance of capital stock 1.54M 2.41M 0.54M 1.92M 1.52M
Depreciation 21.82M 25.03M 28.32M 28.27M 25.87M
Other cashflows from investing activities 22.46M 19.72M 7.58M 11.27M 8.71M
Dividends paid -75.37500M -72.83800M -69.92800M -68.67000M 49.60M
Change to inventory - - - - -
Change to account receivables -15.19400M 7.29M -1.26100M 0.18M -2.34700M
Sale purchase of stock -52.04800M -0.71600M -48.87800M -17.84500M -19.04200M
Other cashflows from financing activities 33.65M 1907.54M 2087.44M 136.04M 1.52M
Change to netincome 11.62M -52.73000M 42.14M 17.51M -6.11500M
Capital expenditures 19.21M 10.39M 6.72M 29.59M 21.39M
Change receivables -15.19400M 7.29M -1.26100M 0.18M -2.34700M
Cash flows other operating 15.32M 28.01M 44.01M 8.22M -48.22700M
Exchange rate changes - - - - -
Cash and cash equivalents changes -1121.51800M 1212.00M 1740.42M -59.97700M 51.44M
Change in working capital 39.80M 26.99M 27.38M 40.38M -29.25800M
Stock based compensation 0.45M 0.51M 0.74M 0.98M 1.03M
Other non cash items 15.02M -18.30600M 84.50M 33.52M 11.12M
Free cash flow 368.73M 281.29M 298.41M 281.98M 208.45M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
IBOC
International Bancshares Corporation		 1.94 2.73% 72.94 8.84 - 4.08 1.33
HDB
HDFC Bank Limited ADR		 0.48 2.04% 24.03 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.04 0.15% 30.44 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 1.22 2.50% 50.10 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

International Bancshares Corporation, a financial holding company, provides commercial and retail banking services in Texas and the State of Oklahoma. 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. The company was founded in 1966 and is headquartered in Laredo, Texas.

International Bancshares Corporation

1200 San Bernardo Avenue, Laredo, TX, United States, 78042-1359

Key Executives

Name Title Year Born
Mr. Dennis Edward Nixon Chairman & Pres 1943
Ms. Judith I. Wawroski Chief Accounting Officer, Principal Financial Officer & Treasurer 1975
Ms. Rosa Eliza V. Gonzalez Exec. VP of Corp. Divisions NA
Ms. Marisa V. Santos Corp. Sec. NA
Mr. Mike K. Sohn CEO & Pres of International Bank of Commerce - San Antonio NA
Mr. Derek Schmidt CEO & Pres of International Bank of Commerce - Port Lavaca, Bay City NA
Mr. Robert B. Barnes CEO & Pres of Intl. Bank of Commerce - Austin NA
Mr. Ignacio Urrabazo Jr. CEO & Pres of Commerce Bank ? Laredo NA
Mr. Hector J. Cerna CEO & Pres of International Bank of Commerce - Eagle Pass NA
Mr. Jay Rogers Pres & CEO of International Bank of Commerce - Houston, Texas NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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