We are currently experiencing technical issues due to the Microsoft outage. This will affect delivery of multi-factor authentication emails, invoice emails and service emails. We apologise for the disruption.

Explore 3 Stock Ideas & Industry Insights Download Free Report

888-969-2592
Shopping Cart 0
countryflagCA
Login

Home CompaniesInternational Bancshares Corporation

International Bancshares Corporation

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
67.42 USD -0.60 ( 0.88%)
Last update at 2026-11-12T15:43:00Z
VOLUME
28386
Market Cap
4446.07M
P/E
10.80

Momentum Score

…

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.

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

Day Price Range
67.02
Low
68.27
High
52 Week Price Range
61.94
Low
77.68
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

International Bancshares Corporation is a Texas-based bank holding company operating IBC Bank and offering commercial and consumer banking, wealth management and mortgage services primarily in South and West Texas and nearby markets. It appears positioned to benefit from regional economic and cross-border trade, loan and deposit growth, and potential net interest margin expansion when rates are favorable, which may support earnings over the long term.

Material risks include geographic concentration in Texas and border markets, credit exposure to commercial real estate and energy sectors, competition for deposits and loans, and sensitivity to interest-rate and regulatory shifts.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
68.02
Dividend Yield
1.99%
Revenue TTM
837.57M
Revenue Per Share
13.47
Gross Profit TTM
837.57M
Debt / Equity
0.22
ROE
12.92%
Net Debt
168.26M
ROCE
3.23%
Diluted EPS TTM
6.62

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 520.36M 508.72M 523.51M 382.64M 322.33M
Net income 412.29M 409.17M 411.77M 300.23M 253.92M
Selling general administrative 183.05M 152.81M 140.73M 134.71M 127.87M
Selling and marketing expenses 5.31M 6.29M 5.01M 4.59M 4.04M
Gross profit 824.69M 801.84M 798.87M 674.76M 593.60M
Reconciled depreciation 23.35M 22.52M 21.94M 21.82M 25.03M
Ebit 520.36M 508.72M 523.51M 420.80M 322.33M
Ebitda 543.71M 531.24M 545.46M 442.62M 347.36M
Depreciation and amortization 23.35M 22.52M 21.94M 21.82M 25.03M
Operating income 520.36M 508.72M 523.51M 420.80M 322.33M
Other operating expenses 533.27M 534.18M 446.59M -253.96M -271.27M
Interest expense 213.85M 209.26M 136.66M 38.16M 26.83M
Tax provision 108.07M 99.55M 111.74M 82.41M 68.41M
Interest income 886.27M 865.98M 800.16M 525.78M 398.10M
Net interest income 672.42M 656.72M 663.50M 487.62M 371.27M
Income tax expense 108.07M 99.55M 111.74M 82.41M 68.41M
Total revenue 1053.63M 1042.90M 970.10M 674.76M 593.60M
Total operating expenses 304.33M 293.12M 275.35M -253.96M -271.27M
Cost of revenue 228.94M 241.06M 171.24M - -
Total other income expense net -58.82M 508.72M -2.30M -38.16M -26.83M
Net income from continuing ops 412.29M 409.17M 411.77M 300.23M 253.92M
Net income applicable to common shares - - - 300.23M 253.92M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 16679.65M 15738.85M 15156.93M 15501.48M 16046.24M
Other current assets - -72.17M 743.32M 45.79M 3342.59M
Total liab 13428.01M 12942.15M 12709.16M 13456.72M 570.78M
Total stockholder equity 3251.64M 2796.71M 2447.77M 2044.76M 2308.48M
Other current liab - 12111.84M 7332.76M 12660.01M 12617.88M
Common stock 96.66M 96.62M 96.47M 96.42M 96.35M
Capital stock 96.66M 96.62M 96.47M 96.42M 96.35M
Retained earnings 3681.41M 3356.18M 3029.09M 2695.57M 2470.71M
Other liab - - - 219.93M 109.43M
Good will 282.53M 282.53M 282.53M 282.53M 282.53M
Other assets - 15738.85M 0.00M 3450.56M 3342.59M
Cash 536.49M 352.65M 651.06M 2087.72M 3209.24M
Total current liabilities 585.54M 12647.17M 7863.18M 12660.01M 12617.88M
Net debt 168.26M 302.08M -1.03M -1942.14M -2638.46M
Short term debt 585.54M 535.32M 530.42M - -
Short long term debt total 704.74M 654.73M 650.03M 145.59M 570.78M
Other stockholder equity -280.11M -277.03M -279.89M -276.73M -226.60M
Property plant equipment - - - 431.61M 447.08M
Total current assets 608.92M 5412.74M 743.32M 6551.31M 7453.76M
Long term investments 5424.57M 5354.44M 5174.61M 358.91M 296.88M
Net tangible assets - - - 1762.23M 2025.95M
Short term investments 4833.66M 4987.92M 4822.34M 4417.80M 4213.92M
Net receivables 72.43M 72.17M 65.30M 45.79M 30.59M
Long term debt 119.20M 119.41M 119.61M 134.64M 134.64M
Inventory - - -5538.70M 34.78M 40.13M
Accounts payable - - - 12660.01M 12617.88M
Accumulated other comprehensive income -246.32M -379.05M -397.89M -470.50M -31.98M
Common stock total equity - - - 96.42M 96.35M
Retained earnings total equity - - - 2695.57M 2470.71M
Non currrent assets other 505.76M 595.54M 13204.23M -5499.61M -5249.90M
Non current assets total 16070.73M 10326.11M 14413.61M 5499.61M 5249.90M
Long term debt total - - - 134.64M 134.64M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 60.22M -985.06M -1067.21M -995.28M -925.22M
Change to liabilities - - - 42.02M -5.52M
Total cashflows from investing activities -591.69M -985.06M -1067.21M -992.03M -915.89M
Net borrowings -0.21M -0.20M -25.97M -433.68M 11.34M
Total cash from financing activities 284.47M 212.71M -843.89M -517.43M 1836.21M
Change to operating activities - - - 54.99M 19.70M
Net income 412.29M 409.17M 411.77M 300.23M 253.92M
Change in cash 183.83M -298.41M -1436.67M -1121.52M 1212.00M
Begin period cash flow 352.65M 651.06M 2087.72M 3209.24M 1997.24M
End period cash flow 536.49M 352.65M 651.06M 2087.72M 3209.24M
Total cash from operating activities 491.06M 473.95M 474.43M 387.94M 291.68M
Issuance of capital stock 1.47M 3.76M 1.17M 1.54M 2.41M
Depreciation 23.35M 22.52M 21.94M 21.82M 25.03M
Other cashflows from investing activities -633.79M -777.84M -611.64M 22.46M 19.72M
Dividends paid 87.06M 82.08M 78.25M -75.38M -72.84M
Change to account receivables -0.26M -6.87M -19.52M -15.19M 7.29M
Sale purchase of stock -4.61M -0.96M -4.61M -52.05M -0.72M
Other cashflows from financing activities 374.88M 292.20M -736.23M 33.65M 1907.54M
Change to netincome - - - 11.62M -52.73M
Capital expenditures 18.12M 14.15M 27.50M 19.21M 10.39M
Change receivables - - - -15.19M 7.29M
Cash flows other operating - - - 15.32M 28.01M
Cash and cash equivalents changes - - - -1121.52M 1212.00M
Change in working capital 30.11M 26.07M -16.05M 39.80M 26.99M
Stock based compensation 0.10M 0.21M 0.33M 0.45M 0.51M
Other non cash items 11.14M 27.43M 33.49M 15.02M -18.31M
Free cash flow 472.94M 459.80M 446.94M 368.73M 281.29M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
IBOC
International Bancshares Corporation		 -0.60
0.88%		 67.42 10.80 9.81 5.31 1.32 5.33
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

International Bancshares Corporation

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.

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

956 722 7611

https://www.ibc.com

2126

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.

Kalkine

3 Mining Stock
Ideas Report

Download a free report with stock ideas and industry insights for general information.

Download Free Report Now → sector image

Top Stocks by Market Cap*

CJT
CAD 111.15
+12.71%
CLS
CAD 374.20
+8.33%
GRZ
CAD 4.90
+7.46%
CTC-A
CAD 218.05
+6.38%
FEC
CAD 7.42
+5.85%
TF
CAD 4.13
-19.65%
TLO
CAD 5.98
-15.06%
FSZ
CAD 2.45
-14.04%
XNDU
CAD 3.60
-8.86%
ITR
CAD 2.75
-8.50%

Equity Sectors*

  • Basic Materials

    -2.63%

  • Communication Services

    -0.79%

  • Consumer Cyclical

    +0.08%

  • Consumer Defensive

    -0.12%

  • Energy

    +0.52%

  • Financial Services

    -1.15%

  • Healthcare

    -1.74%

  • Industrials

    -0.64%

  • Real Estate

    -0.12%

  • Technology

    -0.51%

  • Utilities

    -0.02%

Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.

Support

Hi! How can we help you today?

Loading…