International Bancshares Statistics

Total Valuation

IBOC has a market cap or net worth of $4.51 billion. The enterprise value is $4.68 billion.

Market Cap	4.51B
Enterprise Value	4.68B

Important Dates

The next estimated earnings date is Friday, May 1, 2026.

Earnings Date	May 1, 2026
Ex-Dividend Date	Feb 13, 2026

Share Statistics

IBOC has 62.18 million shares outstanding. The number of shares has decreased by -0.07% in one year.

Current Share Class	62.18M
Shares Outstanding	62.18M
Shares Change (YoY)	-0.07%
Shares Change (QoQ)	+0.00%
Owned by Insiders (%)	9.66%
Owned by Institutions (%)	73.52%
Float	55.59M

Valuation Ratios

The trailing PE ratio is 10.95 and the forward PE ratio is 10.76.

PE Ratio	10.95
Forward PE	10.76
PS Ratio	5.44
Forward PS	n/a
PB Ratio	1.37
P/TBV Ratio	1.52
P/FCF Ratio	9.51
P/OCF Ratio	9.16
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	11.34
EV / Sales	5.65
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	9.89

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.51
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 13.63%.

Return on Equity (ROE)	13.63%
Return on Assets (ROA)	2.55%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	7.02%
Revenue Per Employee	$356,654
Profits Per Employee	$177,789
Employee Count	2,319
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, IBOC has paid $108.07 million in taxes.

Income Tax	108.07M
Effective Tax Rate	20.77%

Stock Price Statistics

The stock price has increased by +18.71% in the last 52 weeks. The beta is 0.71, so IBOC's price volatility has been lower than the market average.

Beta (5Y)	0.71
52-Week Price Change	+18.71%
50-Day Moving Average	69.22
200-Day Moving Average	69.10
Relative Strength Index (RSI)	61.62
Average Volume (20 Days)	358,352

Short Selling Information

The latest short interest is 1.37 million, so 2.21% of the outstanding shares have been sold short.

Short Interest	1.37M
Short Previous Month	1.40M
Short % of Shares Out	2.21%
Short % of Float	2.47%
Short Ratio (days to cover)	2.46

Income Statement

In the last 12 months, IBOC had revenue of $827.08 million and earned $412.29 million in profits. Earnings per share was $6.62.

Revenue	827.08M
Gross Profit	827.08M
Operating Income	529.90M
Pretax Income	520.36M
Net Income	412.29M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$6.62

Full Income Statement

Balance Sheet

The company has $536.49 million in cash and $714.49 million in debt, giving a net cash position of -$178.00 million or -$2.86 per share.

Cash & Cash Equivalents	536.49M
Total Debt	714.49M
Net Cash	-178.00M
Net Cash Per Share	-$2.86
Equity (Book Value)	3.25B
Book Value Per Share	52.30
Working Capital	-12.50B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $491.06 million and capital expenditures -$18.12 million, giving a free cash flow of $472.94 million.

Operating Cash Flow	491.06M
Capital Expenditures	-18.12M
Depreciation & Amortization	n/a
Net Borrowing	50.01M
Free Cash Flow	472.94M
FCF Per Share	$7.61

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	64.07%
Pretax Margin	62.92%
Profit Margin	49.85%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	57.18%

Dividends & Yields

This stock pays an annual dividend of $1.46, which amounts to a dividend yield of 2.01%.

Dividend Per Share	$1.46
Dividend Yield	2.01%
Dividend Growth (YoY)	5.15%
Years of Dividend Growth	16
Payout Ratio	21.60%
Buyback Yield	0.07%
Shareholder Yield	2.08%
Earnings Yield	9.16%
FCF Yield	10.51%

Dividend Details

Analyst Forecast

The average price target for IBOC is $87.00, which is 19.98% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$87.00
Price Target Difference	19.98%
Analyst Consensus	Strong Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on May 17, 2007. It was a forward split with a ratio of 1.1:1.

Last Split Date	May 17, 2007
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4